JP6023036B2 - Automatic transaction apparatus and transaction assistance method - Google Patents

Description

  The present invention relates to an automatic transaction apparatus and a transaction assistance method.

  Automatic transaction devices such as ATMs (Automated Teller Machines) are installed in financial institutions. Moreover, among these automatic transaction apparatuses, there is also an automatic transaction apparatus corresponding to a visually impaired person (see, for example, Patent Document 1).

  In an automatic transaction apparatus corresponding to a visually impaired person, a desired transaction is made possible by operating a handset (handset), for example, according to voice guidance.

  When performing a transaction using a handset, it is configured so that the transaction can be performed only by operating the handset, and on the screen of the automatic transaction device so that others cannot perform an unauthorized transaction during the transaction using the handset. The operation at is disabled.

  For this reason, when the person himself / herself is not familiar with the transaction using the handset, the assistant needs to receive the handset and operate the handset according to the voice guidance.

  In this case, since the handset is handed over to the assistant, the person cannot hear the voice of the handset. Therefore, since the person cannot know the contents of the transaction that the assistant is conducting, even if the assistant performs an illegal act, the person cannot notice.

JP 2012-234400 A

  In view of the above problems, an object of the present invention is to provide an automatic transaction apparatus and a transaction assistance method that make it easy for an assistant to operate and prevent fraud.

  The automatic transaction apparatus according to the present invention includes a voice output means for outputting a sound when a visually handicapped person makes a transaction and guiding the operation, and an operating means for the visually handicapped person operated when the visually handicapped person makes a transaction. And an operation unit that is operated when a customer other than the visually impaired person conducts a transaction, and performs switching control between the operation unit via the operation unit and the operation unit different from the operation unit for the visually impaired person. Switching control means, and transaction execution means for executing a transaction in accordance with the operation, wherein the switching control means invalidates the operation via the operation means when the operating means for the visually impaired is operated. When an operation for selecting a transaction via the operation means by an assistant is performed via the operation means for the visually impaired person according to the guidance by the voice output means, the operation via the operation means is performed. When the transaction is designated via the operation means, the voice output means outputs the contents of the designated transaction by voice, and the transaction execution means is provided via the manipulation means for the visually impaired. When the operation for approving the specified transaction is performed, the specified transaction is executed.

  In addition, the transaction assistance method according to the present invention operates when a visually impaired person operating means is operated when a visually impaired person operates when the transaction is performed by a customer other than the visually impaired person. The visually handicapped person according to the guidance by the voice output means that invalidates the operation through the operating means different from the operating means for the visually impaired person and outputs a voice to guide the operation when the visually impaired person makes a transaction. When an operation for selecting a transaction via the operation means is performed by an assistant via the operation means, the operation via the operation means is validated, and the transaction is designated via the operation means. The content of the specified transaction is output by the voice output means, and when the specified transaction is approved through the operating means for the visually impaired, the specified transaction is received. It is intended to run.

  ADVANTAGE OF THE INVENTION According to this invention, the operation by a caregiver is made easy, and a fraudulent act can be prevented, so that transactions by a caregiver can be carried out smoothly and safely. Therefore, the visually handicapped person can leave the transaction to the assistant with peace of mind, and thus the time required for the transaction can be shortened. Thereby, it becomes possible to improve the processing efficiency of an automatic transaction apparatus.

It is a figure which shows the structural example of the automatic transaction system in Embodiment 1. FIG. It is a functional block diagram which shows the structural example of the automatic transaction apparatus in Embodiment 1. FIG. It is an external view of the automatic transaction apparatus in Embodiment 1. It is a figure which shows the example of the operation part of the handset in Embodiment 1. FIG. (A) And (B) is a figure which shows the example of a usage refusal in Embodiment 1 both. FIG. 2 is a functional block diagram illustrating a configuration example of a host in the first embodiment. It is a figure which shows the structural example of the authentication management table in Embodiment 1. FIG. It is a part of flowchart for demonstrating the example of the transaction start process in Embodiment 1. FIG. It is another one part of the flowchart for demonstrating the example of the transaction start process in Embodiment 1. FIG. It is the 1st part of the flowchart for demonstrating the example of the transaction processing in Embodiment 1. FIG. It is the 2nd part of the flowchart for demonstrating the example of the transaction processing in Embodiment 1. FIG. It is the 3rd part of the flowchart for demonstrating the example of the transaction processing in Embodiment 1. FIG. It is a 4th part of the flowchart for demonstrating the example of the transaction processing in Embodiment 1. FIG. It is a 5th part of the flowchart for demonstrating the example of the transaction processing in Embodiment 1. FIG. It is a 6th part of the flowchart for demonstrating the example of the transaction process in Embodiment 1. FIG. It is a 7th part of the flowchart for demonstrating the example of the transaction processing in Embodiment 1. FIG. It is the 8th part of the flowchart for demonstrating the example of the transaction processing in Embodiment 1. FIG. It is a 9th part of the flowchart for demonstrating the example of the transaction processing in Embodiment 1. FIG. It is a 10th part of the flowchart for demonstrating the example of the transaction processing in Embodiment 1. FIG. 6 is a first part of a flowchart for explaining an example of registration processing in the first embodiment. It is the 2nd part of the flowchart for demonstrating the example of the registration process in Embodiment 1. FIG. It is a 3rd part of the flowchart for demonstrating the example of the registration process in Embodiment 1. FIG. 10 is a fourth part of a flowchart for explaining an example of registration processing in the first embodiment. FIG. 10 is a fifth part of a flowchart for explaining an example of a registration process in the first embodiment. FIG. 7 is a sixth part of a flowchart for explaining an example of registration processing in the first embodiment. 10 is a seventh part of a flowchart for explaining an example of a registration process in the first embodiment. It is the 8th part of the flowchart for demonstrating the example of the registration process in Embodiment 1. FIG. It is an example of the content of the 1st thru | or 10th audio | voice guidance in Embodiment 1. FIG. It is an example of the content of the 11th thru | or 21st audio | voice guidance in Embodiment 1. FIG. It is an example of the content of the 22nd thru | or 25th audio | voice guidance in Embodiment 1. FIG. It is an example of the 1st screen in Embodiment 1, and a 2nd screen. It is an example of the 3rd screen in Embodiment 1, and a 4th screen. It is an example of the 5th screen in Embodiment 1, and a 6th screen. It is an example of the 7th screen in Embodiment 1, and the 8th screen. 6 is a flowchart for explaining an example of an assistant authentication process executed on the host side in the first embodiment. 6 is a flowchart for explaining an example of transaction authentication processing executed on the host side in the first embodiment. 5 is a flowchart for explaining an example of personal authentication processing executed on the host side in the first embodiment. 6 is a flowchart for explaining an example of registration processing executed on the host side in the first embodiment. It is a figure which shows the data flow between the automatic transaction apparatus and the host in the case of the transaction processing in Embodiment 1. FIG. It is an example of the 1st screen in Embodiment 2. It is a figure which shows the example of a use refusal in case a floor assistant plays the role as a caregiver. 6 is a functional block diagram illustrating a configuration example of a host in Embodiment 2. FIG. It is a figure which shows the structural example of FA management table in Embodiment 2. FIG. It is a part of flowchart for demonstrating the example of the transaction processing in Embodiment 2. FIG. It is an example of the content of the 26th audio | voice guidance in Embodiment 2. FIG. 10 is a flowchart for explaining an example of an assistant authentication process executed on the host side in the second embodiment. It is a figure which shows the structural example of the transaction management table in embodiment. It is a functional block diagram which shows another structural example of the automatic transaction apparatus in embodiment. It is a figure which shows another structural example of FA management table in embodiment.

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

(Embodiment 1)
FIG. 1 is a diagram illustrating a configuration example of an automatic transaction system 100 according to the first embodiment. As shown in FIG. 1, the automatic transaction system 100 according to the first exemplary embodiment includes one or a plurality of automatic transaction apparatuses 1 and a host 2 that manages the entire automatic transaction system 100. They are connected via a network NW so that they can communicate with each other.

  FIG. 2 is a functional block diagram illustrating a configuration example of the automatic transaction apparatus 1 according to the first embodiment. FIG. 3 is an external view of the automatic transaction apparatus 1 according to the first embodiment.

  The automatic transaction apparatus 1 is an apparatus that is installed in, for example, a financial institution and automatically executes transaction processing such as deposits and withdrawals according to user (customer) operations. As shown in FIG. 101, storage unit 102, display unit 103, operation unit 104, card / receipt unit 105, passbook unit 106, bill unit 107, coin unit 108, handset 110, and control unit 111. It is prepared for.

  The communication unit 101 is configured by a communication module and the like, and performs communication with other devices that configure the automatic transaction system 100. For example, the communication unit 101 communicates with the host 2 when performing an authentication process for an assistant or an authentication process for a transaction.

  The storage unit 102 includes a RAM (Random Access Memory), a ROM (Read Only Memory), an HDD (Hard Disk Drive), and the like, and includes a work area of a CPU (Central Processing Unit) that constitutes the control unit 111, and an automatic transaction apparatus 1. It functions as a program area for storing a program such as an operation program for controlling the whole, and a data area for storing various data such as voice guidance data and screen data such as an operation screen to be described in detail.

  The display unit 103 includes a display device such as an LCD (Liquid Crystal Display) or an organic EL (Electro-Luminescence), and displays various operation screens including various function buttons on the display screen.

  The operation unit 104 is configured by a numeric keypad, a touch panel displayed on the display screen of the display unit 103, and the user operates the operation unit 104 to input an instruction to the automatic transaction apparatus 1 and pull out the operation unit 104. It is possible to execute a desired process such as.

  The card / receipt unit 105 includes a magnetic card reader / writer, an IC (Integrated Circuit) card reader / writer, a print printer, and the like, and performs reading / writing with respect to a magnetic stripe such as a cash card and reading / writing with respect to an IC chip of an IC card. At the same time, print a copy of the usage.

  The passbook unit 106 is configured by a magnetic stripe reader / writer, a printer, or the like, and performs reading / writing of a magnetic stripe such as a passbook or a form, and writing such as a passbook.

  The banknote unit 107 includes a banknote stacker that stores banknotes by denomination, a discrimination section that performs banknote discrimination, and the like, and performs processing related to banknotes such as banknote withdrawal and withdrawal.

  The coin unit 108 includes a coin stacker that stores coins according to denomination, a discrimination unit that discriminates coins, and the like, and performs processing related to coins, such as deposit and withdrawal of coins.

  The handset 110 includes a handset operation unit 110A, a handset sound output unit 110B, and the like. A visually handicapped person performs a desired transaction only with the handset 110 without operating the operation unit 104 of the automatic transaction apparatus 1. Is possible.

  More specifically, when the handset 110 provided in the automatic transaction apparatus 1 is removed, a voice guidance is output from the handset voice output unit 110B, and the desired value can be obtained by operating the handset operation unit 110A according to the voice guidance. It is possible to conduct transactions.

  As shown in FIG. 4, handset operation unit 110 </ b> A is an operation unit of handset 110 including a numeric keypad including a sharp (#) button and an asterisk (*) button. FIG. 4 is a diagram illustrating an example of the operation unit of the handset 110 according to the first embodiment.

  Returning to FIG. 2, the handset voice output unit 110 </ b> B includes a D / A (Digital to Analog) converter, an amplifier circuit, a speaker, and the like, and outputs, for example, voice guidance stored in the data area of the storage unit 102. And a functional unit for guiding a visually handicapped person to perform a desired transaction.

  The control unit 111 includes a CPU and the like, and executes an operation program stored in the program area of the storage unit 102, and as illustrated in FIG. 2, the determination unit 111A, the guidance control unit 111B, and the operation control unit 111C, the screen control unit 111D, the notification generation unit 111E, and the transaction control unit 111F are realized, and control processing for controlling the entire automatic transaction apparatus 1 and processing such as transaction processing described later in detail are executed. To do.

  The determination unit 111A performs a determination process. For example, the determination unit 111A determines whether or not the handset 110 has been removed and whether or not the handset 110 has been returned to its original state after being removed. More specifically, by detecting whether or not the hook switch is depressed, the determination unit 111A determines whether or not the handset 110 has been removed and whether or not the handset 110 has been returned to its original state. judge.

  For example, the determination unit 111A determines whether or not a predetermined button of the handset operation unit 110A has been pressed. For example, the determination unit 111A determines whether or not the operation unit 104 has been operated and whether or not the operation unit 104 has been operated and a predetermined key on the screen has been selected.

  For example, the determination unit 111A determines whether or not a cash card or the like has been inserted and whether or not the cash card or the like has been removed. More specifically, for example, it is determined whether or not the cash card is inserted and whether or not the cash card is removed based on the detection result by the transmission type sensor disposed in the vicinity of the card entrance.

  For example, the determination unit 111A determines whether or not the dispensed banknote is extracted from the banknote entrance. More specifically, for example, based on the detection result by the transmission type sensor disposed at the banknote entrance, the determination unit 111A determines whether the dispensed banknote has been extracted from the banknote entrance.

  For example, the determination unit 111 </ b> A determines whether or not a caregiver authentication result (details will be described later), a transaction authentication result (details will be described later), and a personal authentication result (details will be described later) are received from the host 2. When the caregiver authentication result, the transaction authentication result, and the personal authentication result are received from the host 2, the determination unit 111A further determines whether or not the authentication has been performed.

  For example, the determination unit 111 </ b> A determines whether or not a registration completion notification (described in detail later) has been received from the host 2. If it is determined that the registration completion notification has not been received, the determination unit 111A further determines whether an already registered notification (described later in detail) has been received.

  Further, for example, the determination unit 111A determines whether or not an operation guided by voice guidance has been performed within a predetermined time. That is, the determination unit 111A determines whether or not a timeout has occurred.

  The guidance control unit 111B causes the handset voice output unit 110B to output voice guidance corresponding to the transaction content according to the operation.

  More specifically, the guidance control unit 111B specifies voice guidance data corresponding to the operation content from the voice guidance data stored in the data area of the storage unit 102. And the guidance control part 111B controls the handset audio | voice output part 110B, converts the data of the specified audio | voice guidance into an audio | voice, and outputs it.

  At this time, the guidance control unit 111B generates voice guidance data to be output based on the identified voice guidance data as necessary. Then, the guidance control unit 111B controls the handset voice output unit 110B to convert the generated voice guidance data into voice and output the voice.

  For example, when performing a withdrawal transaction by an operation by the assistant through the operation unit 104 (hereinafter referred to as an operation on the screen), the guidance control unit 111B displays the withdrawal amount input by the assistant as shown in FIG. The data of the twelfth voice guidance including is generated.

  Returning to FIG. 2, the operation control unit 111 </ b> C performs switching control to enable / disable the operation on the screen. More specifically, when the handset 110 is removed and the hook switch is in an off-hook state, the operation control unit 111C performs control to invalidate the operation on the screen. In addition, when the person selects to perform a transaction by an operation on the screen by the assistant according to the voice guidance, the operation control unit 111C performs control to validate the operation on the screen. In addition, when the person chooses to cancel the transaction by the operation on the screen by the assistant according to the voice guidance, the operation control unit 111C performs the control to invalidate the operation on the screen again. .

  The screen control unit 111D displays an operation screen or the like corresponding to the transaction content on the display screen of the display unit 103 according to the operation.

  More specifically, the screen control unit 111D specifies screen data corresponding to the operation content from the screen data stored in the data area of the storage unit 102. Then, the screen control unit 111D controls the display unit 103 to display the specified screen data on the display screen.

  At this time, the screen control unit 111D generates screen data to be displayed based on the specified screen data as necessary. Then, the screen control unit 111D controls the display unit 103 to display the generated screen data on the display screen.

  For example, when the assistant is authenticated, the screen control unit 111D generates screen data of the third screen including the name of the authenticated assistant as shown in FIG.

  Returning to FIG. 2, the notification generation unit 111 </ b> E generates various notifications and transmits the generated notifications to the host 2 via the communication unit 101. For example, when the transaction is selected by an operation on the screen by the assistant and the personal identification number for assistant authentication is input by the operation on the screen, the notification generation unit 111E requests authentication of the assistant. Generate an assistant authentication request. In the assistant authentication request, the assistant PIN number information indicating the entered assistant PIN number, and the account information such as the magnetic stripe such as the inserted cash card or the account number read from the IC chip of the IC card And are included.

  In addition, for example, after the assistant is authenticated, an operation for executing the transaction is performed by an operation on the screen, and when the person approves the transaction content, the notification generation unit 111E displays the transaction Generate a transaction authentication request that requires authentication. The transaction authentication request includes account information, personal identification number information indicating a personal identification number, and transaction content information indicating transaction details. For example, when the transaction type is “withdrawal”, the transaction content information includes transaction type information indicating that the transaction type is “drawer” and withdrawal amount information indicating the specified withdrawal amount. included.

  For example, when the registration of the assistant is selected and the personal identification number is input according to the voice guidance, the notification generation unit 111E generates a personal authentication request for requesting personal authentication. The personal authentication request includes personal identification number information indicating the personal identification number inputted for personal authentication and account information.

  In addition, for example, when the registration of the assistant is selected, and the name of the assistant to be registered and the assistant password for authentication to be registered are input by the operation on the screen after the personal authentication, the notification generation unit 111E , Generate a registration request requesting registration of the caregiver. The registration request includes assistant name information indicating the name of the assistant to be registered, assistant password information indicating the assistant password to be registered, and account information.

  The transaction control unit 111F performs control for executing various transactions. More specifically, the transaction control unit 111F changes the card / receipt unit 105, the passbook unit 106, the banknote unit 107, the coin unit 108, and the like according to the content input via the operation unit 104 or the handset operation unit 110A. Control.

  For example, when the type of transaction selected is “passbook entry”, the transaction control unit 111F controls the passbook unit 106 to execute entry of the inserted passbook.

  For example, when the type of the selected transaction is “drawer”, the transaction control unit 111F controls the card / receipt unit 105 and the passbook unit 106, and the account number or the like from the inserted cash card or the like. To read the information. Then, when the transaction is authenticated and the cash to be refunded is only a banknote, the transaction control unit 111F controls the banknote unit 107 to feed out the banknote corresponding to the amount specified from the banknote stacker, and the banknote that has been fed out. After the identification and counting processes are executed, the bills are discharged to the banknote entrance.

  At this time, for example, when only a cash card is inserted, the transaction control unit 111F controls the card / receipt unit 105 to print a copy of the use, together with the inserted cash card. Return from the entrance. At this time, if there is a forgetting to remove a medium such as a banknote, the transaction control unit 111F controls a related unit to collect the forgotten medium.

  In addition, for example, when the type of transaction selected is “registration of assistant”, the transaction control unit 111F controls the card / receipt unit 105 to obtain information such as an account number from the inserted cash card. To read. When the registration completion notification is received, the transaction control unit 111F controls the card / receipt unit 105 to print a copy of the usage and return it from the card entrance along with the inserted cash card.

  On the other hand, when the registered notification is received, the transaction control unit 111F controls the card / receipt unit 105 to return the inserted cash card from the card entrance.

  At this time, if there is a forgetting to remove a medium such as a cash card, the transaction control unit 111F controls a related unit to collect the forgotten medium.

  FIG. 5 is a diagram illustrating an example of a usage record in the first embodiment. In particular, FIG. 5 (A) is a diagram showing an example of a usage refusal when a withdrawal transaction is performed by an operation on the screen by the assistant, and FIG. 5 (B) is a registration of the assistant. It is a figure which shows the example of the use refusal at the time of hitting.

  In the first embodiment, when a transaction is performed by an operation on the screen by an assistant, the transaction control unit 111F controls the card / receipt unit 105, as shown in FIG. In the “Guidance” field, the name of the person who assists the transaction is printed. Further, in the first embodiment, when the assistant is registered, the transaction control unit 111F controls the card / receipt unit 105, and as shown in FIG. In the field, print the name of the registered assistant.

  Next, the host 2 in the first embodiment will be described with reference to FIG. FIG. 6 is a functional block diagram illustrating a configuration example of the host 2 in the first embodiment.

  As shown in FIG. 6, the host 2 in the first embodiment is configured to include a communication unit 201, a storage unit 202, and a control unit 203, and is a device that manages the entire automatic transaction system 100. .

  The communication unit 201 is configured with a communication module and the like, and performs communication with other devices that configure the automatic transaction system 100. For example, when performing the authentication process of the assistant and the authentication process of the transaction, the communication unit 201 performs communication with the automatic transaction apparatus 1 that has transmitted the authentication request.

  The storage unit 202 includes a RAM, a ROM, an HDD, and the like, and includes a work area of a CPU that configures the control unit 203, a program area that stores a program such as an operation program for controlling the entire host 2, and an authentication described later in detail. It functions as a data area for storing various data such as the management table T1.

  Here, the authentication management table T1 stored in the data area of the storage unit 202 will be described with reference to FIG. FIG. 7 is a diagram illustrating a configuration example of the authentication management table T1 according to the first embodiment.

  The authentication management table T1 in the first embodiment is a table that is referred to when, for example, the authentication processing unit 203A (details will be described later) performs authentication processing of a caregiver, and as shown in FIG. In addition, the personal identification number, the assistant information, the account balance, and the like are associated with each other.

  The assistant information includes an assistant name indicating the registered assistant name, and an assistant password indicating the authentication code of the assistant. For example, referring to FIG. 7, the personal identification number of account number AN1 is PIN1, and three assistants are registered in account number AN1. For example, the password for authentication of the assistant H-N1A is H-PIN1A.

  Returning to FIG. 6, the control unit 203 is configured by a CPU or the like, executes an operation program stored in the program area of the storage unit 202, and as illustrated in FIG. 6, an authentication processing unit 203 </ b> A and a notification generation unit In addition to realizing the functions of 203B and the registration processing unit 203C, control processing for controlling the entire host 2 and processing such as an assistant authentication processing described later in detail are executed.

  The authentication processing unit 203A performs various types of authentication processing such as authentication processing of the person or the assistant. More specifically, when the assistant authentication request is received, the authentication processing unit 203A searches the authentication management table T1 using the “account number” as a key, and the account information included in the received assistant authentication request. The entry whose account number matches the account number indicated by is identified.

  Then, the authentication processing unit 203A includes, among the assistant passwords registered in the specified entry, the assistant password that matches the assistant password indicated by the assistant password information included in the assistant authentication request. It is determined whether or not there is.

  When the transaction authentication request is received, the authentication processing unit 203A searches the authentication management table T1 using “account number” as a key, and the account number and account indicated by the account information included in the received transaction authentication request. Identify entries with matching numbers.

  Then, the authentication processing unit 203A determines whether or not the personal identification code registered in the identified entry matches the personal identification number indicated by the personal identification number information included in the transaction authentication request.

  As a result of the determination, if they match, the authentication processing unit 203A further determines whether or not the transaction with the transaction content indicated by the transaction content information included in the transaction authentication request can be executed. For example, when the transaction type indicated by the transaction type information included in the transaction content information is “withdrawal”, the authentication processing unit 203A can extract the amount indicated by the withdrawal amount information included in the transaction content information. Determine whether. More specifically, the authentication processing unit 203A determines whether or not it can be withdrawn by determining whether or not the account balance of the identified entry is equal to or greater than the amount indicated by the withdrawal amount information.

  When receiving the personal authentication request, the authentication processing unit 203A searches the authentication management table T1 using “account number” as a key, and the account number and account indicated by the account information included in the received personal authentication request. Identify entries with matching numbers.

  Then, the authentication processing unit 203A determines whether or not the personal identification password registered in the identified entry matches the personal identification number indicated by the personal identification number information included in the personal authentication request.

  The notification generation unit 203B generates various authentication results according to the result of the authentication processing by the authentication processing unit 203A, and generates them in the automatic transaction apparatus 1 that has transmitted the authentication request to be processed via the communication unit 201. Send the authentication result.

  More specifically, when the authentication processing unit 203A determines that there is no matching assistant password at the time of the assistant authentication process, the notification generation unit 203B determines that the authentication has not been performed. A result is produced | generated and the produced | generated assistant authentication result is transmitted to the automatic transaction apparatus 1 which transmitted the assistance authentication request | requirement of a process target via the communication part 201.

  On the other hand, when the authentication processing unit 203A determines that there is a matching assistant password at the time of the assistant authentication process, the notification generation unit 203B refers to the authentication management table T1 and matches the assistant Identify the name of the caregiver corresponding to the PIN. Then, the notification generation unit 203B generates an authentication result of authentication of the assistant that includes the assistant name information indicating the specified assistant name, and sends an assistant authentication request to be processed via the communication unit 201. The generated assistant authentication result is transmitted to the transmitted automatic transaction apparatus 1.

  In the transaction authentication process, when the authentication processing unit 203A determines that the passwords do not match, or when the authentication processing unit 203A determines that the transaction cannot be executed, The notification generation unit 203B generates a transaction authentication result indicating that the authentication has not been performed, and transmits the generated transaction authentication result to the automatic transaction apparatus 1 that has transmitted the transaction authentication request to be processed via the communication unit 201.

  On the other hand, if it is determined that the transaction can be executed by the authentication processing unit 203A during the transaction authentication process, the notification generation unit 203B generates a transaction authentication result indicating that the transaction has been authenticated, Via the unit 201, the generated transaction authentication result is transmitted to the automatic transaction apparatus 1 that has transmitted the transaction authentication request to be processed.

  When the authentication processing unit 203A determines that the personal identification numbers do not match during the personal authentication process, the notification generation unit 203B generates a personal authentication result indicating that the authentication has not been performed, and the communication unit 201 Then, the generated personal authentication result is transmitted to the automatic transaction apparatus 1 that transmitted the personal authentication request to be processed.

  On the other hand, when the authentication processing unit 203A determines that the passwords match in the personal authentication process, the notification generating unit 203B generates a personal authentication result indicating that the authentication has been performed, and the communication unit 201 The generated personal authentication result is transmitted to the automatic transaction apparatus 1 that has transmitted the processing target personal authentication request.

  In addition, the registration processing unit 203C determines that there is no assistant name that matches the assistant name indicated by the assistant name information included in the registration request in the assistant name of the identified entry, and the registration processing unit 203C performs registration. When the processing is completed, the notification generation unit 203B generates a registration completion notification for notifying that the registration of the assistant is completed, and transmits the processing target registration request to the automatic transaction apparatus 1 through the communication unit 201. Send the generated registration completion notification.

  On the other hand, if the registration processing unit 203C determines that there is a helper name that matches the helper name indicated in the helper name information included in the registration request in the helper name of the identified entry, a notification is generated. The unit 203B generates an already registered notification for notifying that the name of the input assistant is already registered, and generates the registration request to the automatic transaction apparatus 1 that has transmitted the registration request for processing via the communication unit 201. Send a registered notification.

  The registration processing unit 203C registers the assistant information in the authentication management table T1 in response to the request of the principal. More specifically, when receiving the registration request, the registration processing unit 203C searches the authentication management table T1 using “account number” as a key, and the account number and account number indicated by the account information included in the received registration request. Identify entries that match.

  Then, the registration processing unit 203C determines whether or not there is an assistant name that matches the assistant name indicated by the assistant name information included in the received registration request in the assistant name of the identified entry. If there is no matching assistant name as a result of the determination, the registration processing unit 203C stores the information (assistant name and assistant PIN) included in the received registration request in the corresponding field of the identified entry. And registered in the authentication management table T1.

  Next, with reference to FIG. 8 and FIG. 9, the flow of the transaction start process in this Embodiment 1 is demonstrated. 8 and 9 are a part of a flowchart for explaining an example of a transaction start process in the first embodiment and another part, respectively. This transaction start process is executed by each automatic transaction apparatus 1 and is triggered by the fact that the handset 110 has been removed or that some operation has been performed via the operation unit 104.

  Determination unit 111A determines whether or not handset 110 has been removed (step S001). If it is determined that the handset 110 has not been removed (step S001; NO), the determination unit 111A further determines whether an operation on the screen has been performed (step S002).

  If the determination unit 111A determines that no operation on the screen is performed (step S002; NO), the process returns to the process of step S001, and the above-described process is repeated. On the other hand, when the determination unit 111A determines that an operation on the screen has been performed (step S002; YES), the transaction control unit 111F executes a normal transaction process in cooperation with other functional units. (Step S003). And a process returns to the process of step S001 and repeats the above-mentioned process.

  On the other hand, when the determination unit 111A determines in step S001 that the handset 110 has been removed (step S001; YES), the operation control unit 111C performs control to invalidate the operation on the screen (step S004). ).

  And the guidance control part 111B controls the handset voice output part 110B, and the 1st voice guidance "This handset is for the blind customer. If you need to talk to a clerk, please use the clerk contact phone provided on the wall. If you are dealing with audio only, press the button on the handset. Press 1 for deposit, 2 for withdrawal, 3 for passbook entry, 4 for balance inquiry, 5 for registering an assistant. Please hang up the handset when you cancel the transaction. ] Is output (step S005).

  Then, the determination unit 111A determines whether or not the number corresponding to the transaction other than registration (1 to 4 in the case of the first embodiment) is pressed by operating the handset operation unit 110A (step S006). .

  If the determination unit 111A determines that the number button corresponding to the transaction other than registration has been pressed (step S006; YES), the transaction control unit 111F is selected in conjunction with another functional unit. Transaction processing corresponding to the number is executed (step S007). And a process returns to the process of step S001 and repeats the above-mentioned process.

  On the other hand, when it is determined that the number button corresponding to the transaction other than registration is not pressed (step S006; NO), the determination unit 111A further determines the number corresponding to registration (5 in the first embodiment). ) It is determined whether or not the button has been pressed (step S101).

  When the determination unit 111A determines that the number button corresponding to the registration has been pressed (step S101; YES), the transaction control unit 111F performs the registration process of the assistant in cooperation with other functional units. Execute (Step S102). And a process returns to the process of step S001 and repeats the above-mentioned process.

  On the other hand, when it is determined that the number button corresponding to the registration is not pressed (step S101; NO), the determination unit 111A further determines whether or not the handset 110 has been returned (step S103). ). If the determination unit 111A determines that the handset 110 has been restored (step S103; YES), the process returns to the process of step S001, and the above-described process is repeated.

  On the other hand, when it is determined that the handset 110 remains detached (step S103; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S104). If the determination unit 111A determines that a time-out has occurred (step S104; YES), the process returns to the process of step S001, and the above-described process is repeated.

  On the other hand, when the determination unit 111A determines that the time-out has not yet occurred (step S104; NO), the determination unit 111A further presses a button other than the number (1 to 5) corresponding to the transaction or registration. It is determined whether or not it has been lowered (step S105). If the determination unit 111A determines that a button other than the number button corresponding to the transaction or registration has been pressed (step S105; YES), the process returns to the process of step S005, and the above-described process is repeated.

  On the other hand, if it is determined that the button is not pressed (step S105; NO), the process returns to the process of step S006, and the above-described process is repeated.

  Next, the flow of transaction processing in the first embodiment will be described with reference to FIGS. FIGS. 10 to 19 are all flowchart portions for explaining an example of transaction processing in the first embodiment. This transaction process is a process corresponding to the process in step S007 of the transaction start process described above.

  In the transaction start process, the following transaction process will be described on the assumption that the “2” button corresponding to the withdrawal is pressed. The processing described below can be performed even if a bankbook is used instead of a cash card. Here, a case where a cash card is used will be described.

  The guidance control unit 111B controls the handset voice output unit 110B to generate the second voice guidance “Draw out. ] Is output (step S201), and then the third voice guidance "Please insert a cash card". Please insert your cash card into the card slot. The card doorway is on the right front. Press asterisk (*) to cancel the transaction. Is output (step S202).

  Then, the determination unit 111A determines whether or not a cash card has been inserted (step S203). If it is determined that the cash card has not yet been inserted (step S203; NO), the determination unit 111A further determines whether or not the asterisk (*) button has been pressed (step S301).

  If the determination unit 111A determines that the asterisk (*) button has been pressed (step S301; YES), this process ends, and the process returns to step S001 of the transaction start process.

  On the other hand, when it is determined that the asterisk (*) button is not depressed (step S301; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S302). If the determination unit 111A determines that a time-out has occurred (step S302; YES), this process ends, and the process returns to the process of step S001 of the transaction start process.

  On the other hand, if it is determined that the timeout has not yet occurred (step S302; NO), the determination unit 111A further determines whether any button other than the asterisk (*) has been pressed (step S303). If the determination unit 111A determines that a button other than the asterisk (*) has been pressed (step S303; YES), the process returns to the process of step S202, and the above-described process is repeated.

  On the other hand, if it is determined that the button has not been pressed yet (step S303; NO), the process returns to the process of step S203, and the above-described process is repeated.

  In the process of step S203, when the determination unit 111A determines that a cash card has been inserted (step S203; YES), the transaction control unit 111F controls the card / receipt unit 105 to transfer the account from the cash card. The number is read (step S204).

  Then, the guidance control unit 111B controls the handset voice output unit 110B to input the fourth voice guidance “four-digit password”. When you ask the helper to operate the screen, press the sharp (#). To cancel the transaction, please press the asterisk (*). Is output (step S205).

  Then, the determination unit 111A determines whether or not the sharp (#) button has been pressed (step S206). When it is determined that the sharp (#) button is not pressed (step S206; NO), the determination unit 111A further determines whether or not a personal identification number has been input (step S207).

  If the determination unit 111A determines that the password has been input (step S207; YES), the transaction control unit 111F performs a withdrawal transaction using the handset 110 in cooperation with other functional units (step S208). And this process is complete | finished and it returns to the process of step S001 of a transaction start process.

  On the other hand, when it is determined that the password has not been input (step S207; NO), the determination unit 111A further determines whether or not the asterisk (*) button has been pressed (step S401). If determination unit 111A determines that the asterisk (*) button has been pressed (step S401; YES), the process proceeds to step S602 described later.

  On the other hand, when it is determined that the asterisk (*) button has not been pressed (step S401; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S402). If the determination unit 111A determines that a time-out has occurred (step S402; YES), the process proceeds to a process of step S602 described later.

  On the other hand, if it is determined that the timeout has not yet occurred (step S402; NO), the determination unit 111A further determines whether any other button has been pressed (step S403). If the determination unit 111A determines that no other buttons are pressed (step S403; NO), the process returns to the process of step S206, and the above-described process is repeated.

  On the other hand, if the determination unit 111A determines that any other button has been pressed (step S403; YES), the process returns to the process of step S205, and the above-described process is repeated.

  In the process of step S206, when the determination unit 111A determines that the sharp (#) button has been pressed (step S206; YES), the operation control unit 111C performs control to validate the operation on the screen. In step S209, the screen control unit 111D controls the display unit 103 to display the first screen illustrated in FIG. 31 on the display screen (step S210).

  Then, the guidance control unit 111B controls the handset voice output unit 110B to input the fifth voice guidance “4 digits PIN number of the assistant on the screen. To cancel the assistant's screen operation, press “0”. To cancel the transaction, please press the asterisk (*). Is output (step S211).

  Then, the determination unit 111A determines whether or not a password has been input by an operation on the screen (step S212). If it is determined that the password has not been input (step S212; NO), the determination unit 111A further determines whether a correction key on the screen has been selected (step S501). If the determination unit 111A determines that the correction key has been selected (step S501; YES), the input security code is deleted, and the process returns to the process of step S211 to repeat the above-described process.

  On the other hand, when it is determined that the correction key is not selected (step S501; NO), the determination unit 111A further determines whether or not a cancel key on the screen is selected (step S502). If the determination unit 111A determines that the cancel key has been selected (step S502; YES), the process proceeds to step S602 described later.

  On the other hand, when it is determined that the cancel key is not selected (step S502; NO), the determination unit 111A further determines whether or not the “0” button of the handset operation unit 110A is pressed (step S502). S503). When the determination unit 111A determines that the “0” button has been pressed (step S503; YES), the operation control unit 111C performs control to invalidate the operation on the screen (step S504), and the transaction The control unit 111F performs a withdrawal transaction with the handset 110 in cooperation with other functional units (step S208). And this process is complete | finished and it returns to the process of step S001 of a transaction start process.

  On the other hand, when it is determined that the “0” button is not pressed (step S503; NO), the determination unit 111A further determines whether or not the asterisk (*) button of the handset operation unit 110A is pressed. Determination is made (step S505). If determination unit 111A determines that the asterisk (*) button has been pressed (step S505; YES), the process proceeds to step S602 described later.

  On the other hand, when it is determined that the asterisk (*) button is not pressed (step S505; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S506). If the determination unit 111A determines that a time-out has occurred (step S506; YES), the process proceeds to step S602 described later.

  On the other hand, if it is determined that the time-out has not yet occurred (step S506; NO), the determination unit 111A further presses a button other than the “0” button and the asterisk (*) button of the handset operation unit 110A. It is determined whether or not (step S507). If the determination unit 111A determines that the button of the handset operation unit 110A is not depressed (step S507; NO), the process returns to the process of step S212 and repeats the above-described process.

  On the other hand, when the determination unit 111A determines that a button other than the “0” button and the asterisk (*) button has been pressed (step S507; YES), the process returns to the process of step S211 and the above-described process is performed. Repeat the process.

  In the process of step S212, when the determination unit 111A determines that the password has been input (step S212; YES), the screen control unit 111D controls the display unit 103 to perform the first example illustrated in FIG. Two screens are displayed on the display screen (step S213).

  Then, the guidance control unit 111B controls the handset voice output unit 110B, and the sixth voice guidance “Now communicating with the computer to check the helper information. Please wait for a little while. Is output (step S214).

  Then, the notification generation unit 111E generates an assistant authentication request, and transmits the generated assistant authentication request to the host 2 via the communication unit 101 (step S215). Then, the determination unit 111A determines whether or not an assistant authentication result transmitted by the host 2 has been received (step S216). When the determination unit 111A determines that the assistant authentication result has not yet been received (step S216; NO), the process repeats the process of step S216 and waits for reception of the assistant authentication result.

  On the other hand, when it is determined that the assistant authentication result has been received (step S216; YES), the determination unit 111A further determines whether or not authentication has been performed (step S217).

  If the determination unit 111A determines that the authentication has not been performed (step S217; NO), the guidance control unit 111B controls the handset audio output unit 110B to perform the seventh audio guidance “The assistant cannot be verified. did. The caregiver is not registered or the entered security code is incorrect. Please check and start again from the beginning. Next, I will return the card. ”Is output (step S601), and then the eighth voice guidance“ card ”is received. The card comes out of the card entrance. The card doorway is on the right front. Excuse me, but I ask you again from the beginning. Is output (step S602).

  Then, the transaction control unit 111F controls the card / receipt unit 105 to return the cash card (step S603). Then, the determination unit 111A determines whether or not the cash card has been removed (step S604). If the determination unit 111A determines that the cash card has been removed (step S604; YES), the process ends and returns to the process of step S001 of the transaction start process.

  On the other hand, if it is determined that the cash card has not been removed (step S604; NO), the determination unit 111A further determines whether or not a time-out has occurred (step S605). If the determination unit 111A determines that the time-out has not yet occurred (step S605; NO), the process returns to the process of step S604, and the above-described process is repeated.

  If the determination unit 111A determines that a time-out has occurred (step S605; YES), the transaction control unit 111F controls the card / receipt unit 105 to collect the cash card (step S606). Then, the guidance control unit 111B controls the handset voice output unit 110B, and the ninth voice guidance “cannot be handled. Please press the clerk call button. Is output (step S607). Then, this process ends.

  In the process of step S217, if the determination unit 111A determines that authentication has been performed (step S217; YES), the screen control unit 111D displays the template data of the third screen stored in the data area of the storage unit 102. 32, the third screen illustrated in FIG. 32 is generated based on the assistant name information included in the assistant authentication result, and the display unit 103 is controlled to display the generated third screen on the display screen ( Step S218).

  And the guidance control part 111B is based on the template data of the 10th audio | voice guidance stored in the data area of the memory | storage part 102, and the assistant name information contained in the assistant authentication result, and the name of the authorized assistant 10th voice guidance data is generated, and the handset voice output unit 110B is controlled to generate the 10th voice guidance “The name of the assistant is XXXXXX”. If the name of the caregiver is good, please press the sharp (#). To cancel the assistant's screen operation, press “0”. To cancel the transaction, please press the asterisk (*). Is output (step S219).

  Then, determination unit 111A determines whether or not the sharp (#) button of handset operation unit 110A has been pressed (step S220). When it is determined that the sharp (#) button is not pressed (step S220; NO), the determination unit 111A further determines whether or not the “0” button of the handset operation unit 110A is pressed. (Step S701).

  If the determination unit 111A determines that the “0” button has been pressed (step S701; YES), the process proceeds to the process of step S504, and the above-described process is performed.

  On the other hand, when it is determined that the “0” button has not been pressed (step S701; NO), the determination unit 111A further determines whether or not the asterisk (*) button of the handset operation unit 110A has been pressed. Determination is made (step S702). If the determination unit 111A determines that the asterisk (*) button has been pressed (step S702; YES), the process proceeds to the process of step S602, and the above-described process is performed.

  On the other hand, when it is determined that the asterisk (*) button has not been pressed (step S702; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S703). If the determination unit 111A determines that a time-out has occurred (step S703; YES), the process proceeds to the process of step S602 and performs the above-described process.

  On the other hand, if it is determined that the time-out has not yet occurred (step S703; NO), the determination unit 111A further includes a button other than the sharp (#) button, “0” button, and asterisk (*) button of the handset operation unit 110A. It is determined whether or not the button has been pressed (step S704). If the determination unit 111A determines that the button has not yet been pressed (step S704; NO), the process returns to the process of step S220, and the above-described process is repeated.

  On the other hand, when the determination unit 111A determines that any button other than the sharp (#) button, the “0” button, and the asterisk (*) button is pressed (step S704; YES), the process is the process of step S219. Return to and repeat the above process.

  In the process of step S220, when the determination unit 111A determines that the sharp (#) button has been pressed (step S220; YES), the screen control unit 111D controls the display unit 103 to display FIG. The fourth screen illustrated in (1) is displayed on the display screen (step S221).

  Then, the determination unit 111A determines whether or not a personal identification number has been input by an operation on the screen (step S222). If it is determined that the personal identification number has not yet been input (step S222; NO), the determination unit 111A further determines whether or not a correction key on the screen has been selected (step S801). If the determination unit 111A determines that the correction key has been selected (step S801; YES), the input password is erased, the process returns to the process of step S222, and the above-described process is repeated.

  On the other hand, when it is determined that the correction key is not selected (step S801; NO), the determination unit 111A further determines whether or not a cancel key on the screen is selected (step S802). If the determination unit 111A determines that the cancel key has been selected (step S802; YES), the process proceeds to the process of step S602, and the above-described process is performed.

  On the other hand, if it is determined that the cancel key is not selected (step S802; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S803). If the determination unit 111A determines that a time-out has occurred (step S803; YES), the process proceeds to step S602 and performs the above-described process.

  On the other hand, when the determination unit 111A determines that the time-out has not yet occurred (step S803; NO), the process returns to the process of step S222, and the above-described process is repeated.

  In the process of step S222, when the determination unit 111A determines that the password has been input (step S222; YES), the guidance control unit 111B stores the eleventh voice stored in the data area of the storage unit 102. Based on the guidance template data and the input password (for example, 1234 is input), 11th voice guidance data including the input password is generated, and the handset audio output unit 110B is set. Controlled and generated 11th voice guidance "PIN code was entered as Ichi Ni San Yong. If you like the PIN, please press the pound sign (#). To cancel the assistant's screen operation, press “0”. To cancel the transaction, please press the asterisk (*). Is output (step S223).

  Then, determination unit 111A determines whether or not the sharp (#) button of handset operation unit 110A has been pressed (step S224). When it is determined that the sharp (#) button is not pressed (step S224; NO), the determination unit 111A further determines whether or not the “0” button of the handset operation unit 110A is pressed. (Step S901).

  When the determination unit 111A determines that the “0” button has been pressed (step S901; YES), the process proceeds to the process of step S504, and the above-described process is performed.

  On the other hand, when it is determined that the “0” button has not been pressed (step S901; NO), the determination unit 111A further determines whether or not the asterisk (*) button of the handset operation unit 110A has been pressed. Determination is made (step S902). If the determination unit 111A determines that the asterisk (*) button has been pressed (step S902; YES), the process proceeds to the process of step S602, and the above-described process is performed.

  On the other hand, when it is determined that the asterisk (*) button has not been pressed (step S902; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S903). If the determination unit 111A determines that a time-out has occurred (step S903; YES), the process proceeds to the process of step S602 and performs the above-described process.

  On the other hand, when it is determined that the time-out has not yet occurred (step S903; NO), the determination unit 111A further includes a button other than the sharp (#) button, “0” button, and asterisk (*) button of the handset operation unit 110A. It is determined whether or not the button has been pressed (step S904). If the determination unit 111A determines that the button has not yet been pressed (step S904; NO), the process returns to the process of step S224, and the above-described process is repeated.

  On the other hand, when the determination unit 111A determines that any button other than the sharp (#) button, the “0” button, and the asterisk (*) button is pressed (step S904; YES), the process is the process of step S223. Return to and repeat the above process.

  In the process of step S224, when the determination unit 111A determines that the sharp (#) button has been pressed (step S224; YES), the screen control unit 111D controls the display unit 103 to display FIG. The fifth screen illustrated in (1) is displayed on the display screen (step S225).

  Then, the determination unit 111A determines whether or not an amount has been designated and a yen key has been selected by an operation on the screen (step S226). If it is determined that the yen key has not yet been selected (step S226; NO), the determination unit 111A further determines whether or not a correction key on the screen has been selected (step S1001). If the determination unit 111A determines that the correction key has been selected (step S1001; YES), the input amount is deleted, the process returns to the process of step S226, and the above-described process is repeated.

  On the other hand, when it is determined that the correction key is not selected (step S1001; NO), the determination unit 111A further determines whether or not a cancel key on the screen is selected (step S1002). If the determination unit 111A determines that the cancel key has been selected (step S1002; YES), the process proceeds to the process of step S602, and the above-described process is performed.

  On the other hand, if it is determined that the cancel key is not selected (step S1002; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1003). If the determination unit 111A determines that a time-out has occurred (step S1003; YES), the process proceeds to the process of step S602, and the above-described process is performed.

  On the other hand, if the determination unit 111A determines that the time-out has not yet occurred (step S1003; NO), the process returns to the process of step S226, and the above-described process is repeated.

  In the process of step S226, when the determination unit 111A determines that the amount is specified and the yen key is selected (step S226; YES), the guidance control unit 111B is stored in the data area of the storage unit 102. Twelfth voice guidance data including the input amount is generated based on the template data of the twelfth voice guidance and the input amount (for example, 10,000 yen is input), and the handset The voice output unit 110B is controlled to generate the twelfth voice guidance “The amount was input as“ Ichi Man En ”. The payment amount is 10,000 yen. If you are happy with the amount, please press the pound sign (#). Press sharp (#) to execute the transaction. To cancel the assistant's screen operation, press “0”. To cancel the transaction, please press the asterisk (*). Is output (step S227).

  Then, determination unit 111A determines whether or not the sharp (#) button of handset operation unit 110A has been pressed (step S228). When it is determined that the sharp (#) button is not pressed (step S228; NO), the determination unit 111A further determines whether the “0” button of the handset operation unit 110A is pressed. (Step S1101).

  If the determination unit 111A determines that the “0” button has been pressed (step S1101; YES), the process proceeds to the process of step S504, and the above-described process is performed.

  On the other hand, when it is determined that the “0” button has not been pressed (step S1101; NO), the determination unit 111A further determines whether or not the asterisk (*) button of the handset operation unit 110A has been pressed. Determination is made (step S1102). If the determination unit 111A determines that the asterisk (*) button has been pressed (step S1102; YES), the process proceeds to the process of step S602, and the above-described process is performed.

  On the other hand, when it is determined that the asterisk (*) button is not pressed (step S1102; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1103). If the determination unit 111A determines that a time-out has occurred (step S1103; YES), the process proceeds to the process of step S602, and the above-described process is performed.

  On the other hand, if it is determined that the time-out has not yet occurred (step S1103; NO), the determination unit 111A further includes a button other than the sharp (#) button, “0” button, and asterisk (*) button of the handset operation unit 110A. It is determined whether or not the button has been pressed (step S1104). If the determination unit 111A determines that the button has not yet been pressed (step S1104; NO), the process returns to the process of step S228 and repeats the above-described process.

  On the other hand, if the determination unit 111A determines that any button other than the sharp (#) button, the “0” button, and the asterisk (*) button has been pressed (step S1104; YES), the process is the process of step S227. Return to and repeat the above process.

  In the process of step S228, when the determination unit 111A determines that the sharp (#) button has been pressed (step S228; YES), the screen control unit 111D controls the display unit 103 to display FIG. The second screen illustrated in (1) is displayed on the display screen (step S229).

Then, the guidance control unit 111B controls the handset voice output unit 110B to perform processing by communicating with the thirteenth voice guidance “Now the computer.
Please wait for a little while. Is output (step S230).

  And the notification production | generation part 111E produces | generates a transaction authentication request | requirement, and transmits the produced | generated transaction authentication request to the host 2 via the communication part 101 (step S231). Then, the determination unit 111A determines whether or not the transaction authentication result transmitted by the host 2 has been received (step S232). If the determination unit 111A determines that the transaction authentication result has not yet been received (step S232; NO), the process repeats the process of step S232 and waits for reception of the transaction authentication result.

  On the other hand, when it is determined that the transaction authentication result has been received (step S232; YES), the determination unit 111A further determines whether or not the transaction is permitted (step S233). If the determination unit 111A determines that the transaction is not permitted (step S233; NO), the process proceeds to the process of step S602 and performs the above-described process.

  On the other hand, when the determination unit 111A determines that the transaction is permitted (step S233; YES), the transaction control unit 111F controls the banknote unit 107 and the coin unit 108 to correspond to the specified amount. Cash is paid out from the stacker of the money type, and discrimination and counting processing are performed (step S234).

  Then, the transaction control unit 111F controls the card / receipt unit 105 to print a usage record as illustrated in FIG. 5A (step S235). The screen control unit 111D controls the display unit 103 to display the sixth screen illustrated in FIG. 33 on the display screen (step S236).

  Then, the guidance control unit 111B controls the handset voice output unit 110B to receive the fourteenth voice guidance “card and usage record”. Cards and usage records come out of the card entrance. The card doorway is on the right front. Next comes cash. Is output (step S237).

  Then, the transaction control unit 111F controls the card / receipt unit 105 to return the usage record and the cash card from the card entrance / exit (step S238). Then, the determination unit 111A determines whether or not the cash card has been removed (step S239).

  If it is determined that it has not been extracted (step S239; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S240). If the determination unit 111A determines that the time-out has not yet occurred (step S240; NO), the process returns to the process of step S239 and repeats the above-described process.

  On the other hand, when the determination unit 111A determines that a time-out has occurred (step S240; YES), the transaction control unit 111F controls the card / receipt unit 105 to collect a cash card or the like (step S241), The guidance control unit 111B controls the handset voice output unit 110B, and the ninth voice guidance “cannot be handled. Please press the clerk call button. Is output (step S242). Then, this process ends.

  In the process of step S239, when it is determined by the determination unit 111A that it has been extracted (step S239; YES), the screen control unit 111D controls the display unit 103 to display the seventh screen illustrated in FIG. It is displayed on the display screen (step S243).

  Then, the guidance control unit 111B controls the handset voice output unit 110B to receive the fifteenth voice guidance “cash. Banknotes come out of the banknote entrance, and coins come out of the coin entrance. The banknote entrance is at the back of the right hand and the coin entrance is at the back of the left hand. This is the end of the procedure. Is output (step S244).

  And the transaction control part 111F controls the banknote unit 107 and the coin unit 108, and discharges the cash of the designated amount to a banknote doorway and / or a coin doorway (step S245). Then, the determination unit 111A determines whether or not cash has been extracted (step S246). If it is determined by the determination unit 111A that it has been extracted (step S246; YES), this process ends, and the process returns to the process of step S001 of the transaction start process.

  If it is determined that it has not been extracted (step S246; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S247). If the determination unit 111A determines that the time-out has not yet occurred (step S247; NO), the process returns to the process of step S246, and the above-described process is repeated.

  On the other hand, when the determination unit 111A determines that a time-out has occurred (step S247; YES), the transaction control unit 111F controls the banknote unit 107 and / or the coin unit 108 to collect the forgotten cash. (Step S248), the guidance control unit 111B controls the handset voice output unit 110B, and the ninth voice guidance “cannot be handled. Please press the clerk call button. ] Is output (step S249). Then, this process ends.

  Next, a registration process flow according to the first embodiment will be described with reference to FIGS. 20 to 27 are all flowchart portions for explaining an example of registration processing in the first embodiment. The main registration process is a process corresponding to the process in step S102 of the transaction start process described above.

  Note that the processing described below can be performed even if a bankbook is used instead of a cash card, but here, a case where a cash card is used will be described.

  The guidance control unit 111B controls the handset voice output unit 110B, and the 16th voice guidance “Registering an assistant? ] Is output (step S1201), and then the third voice guidance "Please insert a cash card". Please insert your cash card into the card slot. The card doorway is on the right front. Press asterisk (*) to cancel the transaction. Is output (step S1202).

  Then, the determination unit 111A determines whether or not a cash card has been inserted (step S1203). If it is determined that the cash card has not yet been inserted (step S1203; NO), the determination unit 111A further determines whether or not the asterisk (*) button of the handset operation unit 110A has been pressed (step S1203). S1204).

  If the determination unit 111A determines that the asterisk (*) button has been pressed (step S1204; YES), this process ends, and the process returns to step S001 of the transaction start process.

  On the other hand, when it is determined that the asterisk (*) button has not been depressed (step S1204; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1205). If the determination unit 111A determines that a time-out has occurred (step S1205; YES), the process ends and returns to the process of step S001 of the transaction start process.

  On the other hand, if it is determined that the time-out has not yet occurred (step S1205; NO), the determination unit 111A further determines whether any button other than the asterisk (*) of the handset operation unit 110A has been pressed (step S1205; NO). Step S1206). If the determination unit 111A determines that a button other than the asterisk (*) has been pressed (step S1206; YES), the process returns to the process of step S1202, and the above-described process is repeated.

  On the other hand, if it is determined that the button has not been pressed yet (step S1206; NO), the process returns to the process of step S1203, and the above-described process is repeated.

  In the process of step S1203, if the determination unit 111A determines that a cash card has been inserted (step S1203; YES), the transaction control unit 111F controls the card / receipt unit 105 to insert the inserted cash card. The account number and the like are read from the card (step S1207).

  Then, the guidance control unit 111B controls the handset voice output unit 110B to input the 17th voice guidance “4-digit password”. To correct, press the sharp (#). Press asterisk (*) to cancel registration. Is output (step S1208).

  Then, the determination unit 111A determines whether or not a password has been input (step S1209). If it is determined that the personal identification number has not yet been input (step S1209; NO), the determination unit 111A further determines whether the sharp (#) button of the handset operation unit 110A has been pressed (step S1209). S1301). If the determination unit 111A determines that the sharp (#) button has been pressed (step S1301; YES), the input security code is deleted, and the process returns to the process of step S1208, and the above-described process is performed. Repeat the process.

  On the other hand, when it is determined that the sharp (#) button is not pressed (step S1301; NO), the determination unit 111A further determines whether the asterisk (*) button of the handset operation unit 110A is pressed. Is determined (step S1302).

  If determination unit 111A determines that the asterisk (*) button has been pressed (step S1302; YES), the process proceeds to step S1402, which will be described later.

  On the other hand, when it is determined that the asterisk (*) button has not been depressed (step S1302; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1303). If the determination unit 111A determines that a time-out has occurred (step S1303; YES), the process proceeds to step S1402 described later.

  On the other hand, if it is determined that the timeout has not yet occurred (step S1303; NO), the process returns to the process of step S1209, and the above-described process is repeated.

  In the process of step S1209, when the determination unit 111A determines that the password has been input (step S1209; YES), the screen control unit 111D controls the display unit 103 to perform the first example illustrated in FIG. Two screens are displayed on the display screen (step S1210).

  Then, the guidance control unit 111B controls the handset voice output unit 110B, and the eighteenth voice guidance “Now communicating with the computer to check the identity information. Please wait for a little while. Is output (step S1211). Then, the notification generation unit 111E generates a personal authentication request, and transmits the generated personal authentication request to the host 2 via the communication unit 101 (step S1212).

  Then, the determination unit 111A determines whether a personal authentication result transmitted from the host 2 has been received (step S1213). If the determination unit 111A determines that the personal authentication result has not yet been received (step S1213; NO), the process repeats the process of step S1213 and waits for the reception of the personal authentication result.

  On the other hand, if it is determined that the personal authentication result has been received (step S1213; YES), the determination unit 111A further determines whether authentication has been performed (step S1214).

  If the determination unit 111A determines that the authentication has not been performed (step S1214; NO), the guidance control unit 111B controls the handset voice output unit 110B to perform the nineteenth voice guidance “The person cannot be verified. was. The entered PIN is incorrect. Please check and start again from the beginning. Next, I will return the card. ] Is output (step S1401), and then the eighth voice guidance “card” is received. The card comes out of the card entrance. The card doorway is on the right front. Excuse me, but I ask you again from the beginning. Is output (step S1402).

  Then, the transaction control unit 111F controls the card / receipt unit 105 to return the inserted cash card (step S1403). Then, the determination unit 111A determines whether or not the cash card has been removed (step S1404). If the determination unit 111A determines that the cash card has been removed (step S1404; YES), the process ends and returns to the process of step S001 of the transaction start process.

  On the other hand, when it is determined that the cash card has not been removed (step S1404; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1405). If the determination unit 111A determines that the time-out has not yet occurred (step S1405; NO), the process returns to the process of step S1404 and repeats the above-described process.

  If the determination unit 111A determines that a time-out has occurred (step S1405; YES), the transaction control unit 111F controls the card / receipt unit 105 to collect the cash card (step S1406). Then, the guidance control unit 111B controls the handset voice output unit 110B, and the ninth voice guidance “cannot be handled. Please press the clerk call button. Is output (step S1407). Then, this process ends.

  In the process of step S1214, when the determination unit 111A determines that the authentication has been made (step S1214; YES), the guidance control unit 111B controls the handset audio output unit 110B to control the 20th audio guidance “assistant Register with. If you like, please press the sharp (#). Press asterisk (*) to cancel registration. Is output (step S1215).

  Then, determination unit 111A determines whether or not the sharp (#) button of handset operation unit 110A has been pressed (step S1216). If it is determined that the sharp (#) button is not pressed (step S1216; NO), the determination unit 111A further determines whether or not the asterisk (*) button of the handset operation unit 110A is pressed. (Step S1601).

  If the determination unit 111A determines that the asterisk (*) button has been pressed (step S1601; YES), the process proceeds to the process of step S1402, and the above-described process is performed.

  On the other hand, when it is determined that the asterisk (*) button has not been depressed (step S1601; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1602). If the determination unit 111A determines that a time-out has occurred (step S1602; YES), the process proceeds to step S1402, and the above-described process is performed.

  On the other hand, if it is determined that the timeout has not yet occurred (step S1602; NO), the determination unit 111A further presses buttons other than the sharp (#) button and the asterisk (*) button of the handset operation unit 110A. It is determined whether or not (step S1603).

  If the determination unit 111A determines that a button other than the sharp (#) button and the asterisk (*) button has been pressed (step S1603; YES), the process returns to the process of step S1215, and the process described above is performed. repeat. On the other hand, when the determination unit 111A determines that the button is not pressed (step S1603; NO), the process returns to the process of step S1216, and the above-described process is repeated.

  In the process of step S1216, when the determination unit 111A determines that the sharp (#) button has been pressed (step S1216; YES), the operation control unit 111C performs control to validate the operation on the screen. This is performed (step S1217). The screen control unit 111D controls the display unit 103 to display the eighth screen illustrated in FIG. 34 on the display screen (step S1218).

  Then, the determination unit 111A determines whether or not the name of the assistant to be registered is input by an operation on the screen and the confirmation key is selected (step S1219). If it is determined that the confirmation key has not yet been selected (step S1219; NO), the determination unit 111A further determines whether a correction key on the screen has been selected (step S1501). If the determination unit 111A determines that the correction key has been selected (step S1501; YES), the input name of the assistant is deleted, and the process returns to the process of step S1219, and the above-described process is performed. repeat.

  On the other hand, when it is determined that the correction key is not selected (step S1501; NO), the determination unit 111A further determines whether or not a cancel key on the screen is selected (step S1502). If the determination unit 111A determines that the cancel key has been selected (step S1502; YES), the process proceeds to the process of step S1402, and the above-described process is performed.

  On the other hand, if it is determined that the cancel key is not selected (step S1502; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1503). If the determination unit 111A determines that a time-out has occurred (step S1503; YES), the process proceeds to step S1402, and the above-described process is performed. On the other hand, when the determination unit 111A determines that the time-out has not yet occurred (step S1503; NO), the process returns to the process of step S1219 and repeats the above-described process.

  In the process of step S1219, when the determination unit 111A determines that the confirmation key has been selected (step S1219; YES), the guidance control unit 111B stores the 21st voice stored in the data area of the storage unit 102. Based on the guidance template data and the name of the input assistant (for example, “Fujitsu Utarou” is input), 21st voice guidance data including the name of the input assistant is generated. The handset voice output unit 110B is controlled to generate the 21st voice guidance “The name of the assistant has been entered as Fujitsu Taro. If the name of the registered assistant is fine, please press the sharp (#). Press asterisk (*) to cancel registration. Is output (step S1220).

  Then, determination unit 111A determines whether or not the sharp (#) button of handset operation unit 110A has been pressed (step S1221). If it is determined that the sharp (#) button is not pressed (step S1221; NO), the determination unit 111A further determines whether or not the asterisk (*) button of the handset operation unit 110A is pressed. (Step S1701).

  If the determination unit 111A determines that the asterisk (*) button has been pressed (step S1701; YES), the process proceeds to step S1402, and the above-described process is performed.

  On the other hand, when it is determined that the asterisk (*) button has not been depressed (step S1701; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1702). If the determination unit 111A determines that a time-out has occurred (step S1702; YES), the process proceeds to the process of step S1402, and the above-described process is performed.

  On the other hand, if it is determined that the timeout has not yet occurred (step S1702; NO), the determination unit 111A further presses buttons other than the sharp (#) button and the asterisk (*) button of the handset operation unit 110A. It is determined whether or not (step S1703).

  If the determination unit 111A determines that a button other than the sharp (#) button and the asterisk (*) button has been pressed (step S1703; YES), the process returns to the process of step S1220, and the process described above is performed. repeat. On the other hand, when the determination unit 111A determines that the button is not pressed (step S1703; NO), the process returns to the process of step S1221, and the above-described process is repeated.

  In the process of step S1221, when the determination unit 111A determines that the sharp (#) button has been pressed (step S1221; YES), the screen control unit 111D controls the display unit 103 to display FIG. The first screen exemplified in (1) is displayed on the display screen (step S1222).

  Then, the determination unit 111A determines whether or not a password to be registered has been input (step S1223). If it is determined that the personal identification number has not yet been input (step S1223; NO), the determination unit 111A further determines whether a correction key on the screen has been selected (step S1801). If the determination unit 111A determines that the correction key has been selected (step S1801; YES), the input password is erased, the process returns to the process of step S1223, and the above-described process is repeated.

  On the other hand, when it is determined that the correction key is not selected (step S1801; NO), the determination unit 111A further determines whether or not a cancel key on the screen is selected (step S1802). If the determination unit 111A determines that the cancel key has been selected (step S1802; YES), the process proceeds to step S1402, and the above-described process is performed.

  On the other hand, if it is determined that the cancel key is not selected (step S1802; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1803). If the determination unit 111A determines that a time-out has occurred (step S1803; YES), the process proceeds to step S1402, and the above-described process is performed. On the other hand, when the determination unit 111A determines that the time-out has not yet occurred (step S1803; NO), the process returns to the process of step S1223 and repeats the above-described process.

  In the process of step S1223, when the determination unit 111A determines that the password has been input (step S1223; YES), the guidance control unit 111B stores the 22nd voice stored in the data area of the storage unit 102. Based on the template data for guidance and the input password to be registered (for example, 1234 is input), the 22nd voice guidance data including the password to be registered is generated, and the handset voice output unit 110B is controlled. Then, the generated 22nd voice guidance “The password of the assistant was entered as Ichi Ni San Yong. If you are happy with the PIN code of the assistant you are registering, please press the pound sign (#). Press asterisk (*) to cancel registration. Is output (step S1224).

  Then, determination unit 111A determines whether or not the sharp (#) button of handset operation unit 110A has been pressed (step S1225). If it is determined that the sharp (#) button is not pressed (step S1225; NO), the determination unit 111A further determines whether or not the asterisk (*) button of the handset operation unit 110A is pressed. (Step S1901).

  If the determination unit 111A determines that the asterisk (*) button has been pressed (step S1901; YES), the process proceeds to step S1402, and the above-described process is performed.

  On the other hand, when it is determined that the asterisk (*) button has not been depressed (step S1901; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1902). If the determination unit 111A determines that a timeout has occurred (step S1902; YES), the process proceeds to the process of step S1402, and the above-described process is performed.

  On the other hand, if it is determined that the timeout has not yet occurred (step S1902; NO), the determination unit 111A further presses buttons other than the sharp (#) button and the asterisk (*) button of the handset operation unit 110A. It is determined whether or not (step S1903).

  If the determination unit 111A determines that a button other than the sharp (#) button and the asterisk (*) button has been pressed (step S1903; YES), the process returns to the process of step S1224, and the process described above is performed. repeat. On the other hand, when the determination unit 111A determines that the button is not pressed (step S1903; NO), the process returns to the process of step S1225, and the above-described process is repeated.

  In the process of step S1225, when the determination unit 111A determines that the sharp (#) button has been pressed (step S1225; YES), the guidance control unit 111B controls the handset sound output unit 110B, 23rd Voice Guidance “Now we are communicating with the computer and registering. Please wait for a little while. ] Is output (step S1226).

  Then, the notification generation unit 111E generates a registration request, and transmits the generated registration request to the host 2 via the communication unit 101 (step S1227). Then, the determination unit 111A determines whether or not a registration completion notification transmitted by the host 2 has been received (step S1228). If it is determined that the registration completion notification has not yet been received (step S1228; NO), the determination unit 111A further determines whether an already registered notification has been received (step S1229).

  If the determination unit 111A determines that the already registered notification has not been received (step S1229; NO), the process returns to the process of step S1228 and repeats the above-described process.

  On the other hand, when it is determined by the determination unit 111A that the already registered notification has been received (step S1229; YES), the guidance control unit 111B controls the handset audio output unit 110B to perform the 24th audio guidance “input”. The name of the caregiver who has been registered is already registered. Please check and start again from the beginning. Next, I will return the card. ] Is output (step S1230), and then the eighth voice guidance “card is received. The card comes out of the card entrance. The card doorway is on the right front. Excuse me, but I ask you again from the beginning. Is output (step S1231).

  Then, transaction control unit 111F controls card / receipt unit 105 to return the inserted cash card (step S1232), and the process proceeds to step S1236 described later.

  In the process of step S1228, when the determination unit 111A determines that a registration completion notification has been received (step S1228; YES), the transaction control unit 111F controls the card / receipt unit 105 to display FIG. The use copy as exemplified in B) is printed (step S1233).

  Then, the guidance control unit 111B controls the handset voice output unit 110B to receive the 25th voice guidance “card and usage record”. Cards and usage records come out of the card entrance. The card doorway is on the right front. This is the end of the procedure. Is output (step S1234).

  Then, the transaction control unit 111F controls the card / receipt unit 105 to return the usage record and the cash card from the card entrance (step S1235). Then, the determination unit 111A determines whether a cash card or the like has been removed (step S1236).

  If it is determined that it has not been extracted (step S1236; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S1237). If the determination unit 111A determines that the time-out has not yet occurred (step S1237; NO), the process returns to the process of step S1236, and the above-described process is repeated.

  On the other hand, when the determination unit 111A determines that a time-out has occurred (step S1237; YES), the transaction control unit 111F controls the card / receipt unit 105 to collect a cash card or the like (step S1238). The guidance control unit 111B controls the handset voice output unit 110B, and the ninth voice guidance “cannot be handled. Please press the clerk call button. Is output (step S1239). Then, this process ends.

  In the process of step S1236, when the determination unit 111A determines that the extraction has been performed (step S1236; YES), this process ends, and the process returns to the process of step S001 of the transaction start process.

  Next, with reference to FIG. 35, the flow of the assistant authentication process in the first embodiment will be described. FIG. 35 is a flowchart for explaining an example of the assistant authentication process executed on the host 2 side in the first embodiment. The present assistant authentication process is started with the reception of the assistant authentication request as a trigger.

  The authentication processing unit 203A determines whether or not an assistant authentication request has been received (step S2001). If the authentication processing unit 203A determines that the assistant authentication request has not yet been received (step S2001; NO), the process repeats the process of step S2001 and waits for reception of the assistant authentication request.

  On the other hand, if it is determined that the assistant authentication request has been received (step S2001; YES), the authentication processing unit 203A searches the authentication management table T1 using the “account number” as a key, and receives the received assistant authentication request. An entry whose account number matches the account number indicated by the account information included in is identified (step S2002).

  Then, the authentication processing unit 203A includes, among the assistant passwords registered in the specified entry, the assistant password that matches the assistant password indicated by the assistant password information included in the assistant authentication request. It is determined whether or not there is (step S2003).

  When the authentication processing unit 203A determines that there is no matching assistant password (step S2003; NO), the notification generation unit 203B generates an assistant authentication result indicating that the authentication has not been performed, and the communication unit Via 201, the generated assistant authentication result is transmitted to the automatic transaction apparatus 1 which transmitted the assistant authentication request to be processed (step S2004). Then, this process ends.

  On the other hand, when the authentication processing unit 203A determines that there is a matching assistant password (step S2003; YES), the notification generation unit 203B refers to the authentication management table T1 and matches the assistant password. The name of the assistant corresponding to the number is specified (step S2005), and the authentication result of the authentication including the assistant name information indicating the specified name of the assistant is generated, and the processing is performed via the communication unit 201. The generated assistant authentication result is transmitted to the automatic transaction apparatus 1 that has transmitted the target assistant authentication request (step S2006). Then, this process ends.

  Next, with reference to FIG. 36, the flow of transaction authentication processing in the first embodiment will be described. FIG. 36 is a flowchart for explaining an example of transaction authentication processing executed on the host 2 side in the first embodiment. This transaction authentication process is started by receiving a transaction authentication request as a trigger. Here, the case where the transaction type is “drawer” will be described as an example.

  The authentication processing unit 203A determines whether a transaction authentication request has been received (step S2101). If the authentication processing unit 203A determines that the transaction authentication request has not yet been received (step S2101; NO), the process repeats the process of step S2101 and waits for reception of the transaction authentication request.

  On the other hand, if it is determined that the transaction authentication request has been received (step S2101; YES), the authentication processing unit 203A searches the authentication management table T1 using the “account number” as a key and is included in the received transaction authentication request. An entry whose account number matches the account number indicated by the account information to be registered is identified (step S2102).

  Then, the authentication processing unit 203A determines whether or not the personal identification password registered in the identified entry matches the personal identification number indicated by the personal identification number information included in the transaction authentication request (step S2103). ). If it is determined by the authentication processing unit 203A that they do not match (step S2103; NO), the notification generation unit 203B generates a transaction authentication result indicating that the authentication has not been performed, and the processing target via the communication unit 201 The generated transaction authentication result is transmitted to the automatic transaction apparatus 1 that has transmitted the transaction authentication request (step S2104). Then, this process ends.

  On the other hand, if it is determined that they match (step S2103; YES), the authentication processing unit 203A further determines whether or not the amount indicated by the withdrawal amount information included in the transaction content information can be withdrawn (step S2105). ).

  If the authentication processing unit 203A determines that it is not possible (step S2105; NO), the process proceeds to the process of step S2104 and performs the above-described process. On the other hand, if it is determined by the authentication processing unit 203A that it is possible (step S2105; YES), the notification generating unit 203B generates a transaction authentication result indicating that the authentication has been performed, and via the communication unit 201, The generated transaction authentication result is transmitted to the automatic transaction apparatus 1 that has transmitted the transaction authentication request to be processed (step S2106). Then, this process ends.

  Next, with reference to FIG. 37, the flow of the personal authentication process in the first embodiment will be described. FIG. 37 is a flowchart for explaining an example of the personal authentication process executed on the host 2 side in the first embodiment. The personal authentication process is triggered by reception of a personal authentication request.

  The authentication processing unit 203A determines whether a personal authentication request has been received (step S2201). If the authentication processing unit 203A determines that the personal authentication request has not yet been received (step S2201; NO), the process repeats the process of step S2201 and waits for the reception of the personal authentication request.

  On the other hand, if it is determined that the personal authentication request has been received (step S2201; YES), the authentication processing unit 203A searches the authentication management table T1 using the “account number” as a key and is included in the received personal authentication request. The entry whose account number matches the account number indicated by the account information to be registered is specified (step S2202).

  Then, the authentication processing unit 203A determines whether or not the personal identification code registered in the identified entry matches the personal identification number indicated by the personal identification number information included in the personal authentication request (step S2203). ).

  If it is determined by the authentication processing unit 203A that they do not match (step S2203; NO), the notification generation unit 203B generates a personal authentication result indicating that the authentication has not been performed, and performs processing via the communication unit 201. The generated personal authentication result is transmitted to the automatic transaction apparatus 1 that transmitted the personal authentication request (step S2204). Then, this process ends.

  On the other hand, when it is determined by the authentication processing unit 203A that they match (step S2203; YES), the notification generation unit 203B generates a personal authentication result indicating that the authentication has been performed, and performs processing via the communication unit 201. The generated personal authentication result is transmitted to the automatic transaction apparatus 1 that has transmitted the personal authentication request (step S2205). Then, this process ends.

  Next, the flow of registration processing in the first embodiment will be described with reference to FIG. FIG. 38 is a flowchart for explaining an example of registration processing executed on the host 2 side in the first embodiment. The main registration process is triggered by reception of a registration request.

  The registration processing unit 203C determines whether a registration request has been received (step S2301). If the registration processing unit 203C determines that the registration request has not yet been received (step S2301; NO), the process repeats the process of step S2301 and waits for the reception of the registration request.

  On the other hand, if it is determined that the registration request has been received (step S2301; YES), the registration processing unit 203C searches the authentication management table T1 using “account number” as a key, and the account included in the received registration request. An entry whose account number matches the account number indicated by the information is specified (step S2302).

  Then, the registration processing unit 203C determines whether or not there is a helper name that matches the helper name indicated by the helper name information included in the received registration request in the helper name of the identified entry ( Step S2303). If the registration processing unit 203C determines that there is a matching assistant name (step S2303; YES), the notification generation unit 203B generates an already registered notification that notifies that the registration has already been performed, and the communication The generated registration notification is transmitted to the automatic transaction apparatus 1 that has transmitted the registration request to be processed via the unit 201 (step S2304). Then, this process ends.

  On the other hand, if it is determined that there is no matching assistant name (step S2303; NO), the registration processing unit 203C has specified the information (assistant name and assistant PIN) included in the received registration request. It is registered in the authentication management table T1 in association with the entry (step S2305).

  Then, the notification generation unit 203B generates a registration completion notification for notifying that the registration is completed, and sends the generated registration completion notification to the automatic transaction apparatus 1 that has transmitted the registration request to be processed via the communication unit 201. Transmit (step S2306). Then, this process ends.

  Next, with reference to FIG. 39, the flow of data transmitted and received between the automatic transaction apparatus 1 that executes transaction processing and the host 2 will be described. FIG. 39 is a diagram showing a data flow between the automatic transaction apparatus 1 and the host 2 during transaction processing in the first embodiment.

  First, when a visually handicapped person removes the handset 110 of the automatic transaction apparatus 1, the operation control unit 111C of the automatic transaction apparatus 1 performs control to invalidate the operation on the screen. When a cash card is inserted according to the voice guidance, the transaction control unit 111F of the automatic transaction apparatus 1 controls the card / receipt unit 105 to read information such as an account number of the inserted cash card.

  When the screen operation by the assistant is selected via the handset operation unit 110A, the operation control unit 111C of the automatic transaction apparatus 1 performs control to validate the operation on the screen again.

  Then, when the assistant password is input by an operation on the screen, the notification generator 111E of the automatic transaction apparatus 1 causes the account information indicating the read account number and the assistant password that indicates the input assistant password. The assistant authentication request including the information is generated, and the generated assistant authentication request is transmitted to the host 2.

  Upon receiving the assistant authentication request, the authentication processing unit 203A of the host 2 refers to the authentication management table T1 stored in the data area of the storage unit 202, and based on the information included in the received assistant authentication request, Performs the assistant authentication process. And the notification production | generation part 203B of the host 2 produces | generates the assistant authentication result according to the result, and transmits the produced assistant authentication result to the automatic transaction apparatus 1 which transmitted the assistance assistant authentication request | requirement of a process target.

  Assuming that the received assistant authentication result is an assistant authentication result indicating that authentication has been performed, a personal identification number and transaction details are input by an operation on the screen. Then, when the principal is approved for the entered transaction content via the handset operation unit 110A, the notification generation unit 111E of the automatic transaction apparatus 1 performs a transaction indicating the transaction content approved by the principal. A transaction authentication request including the content information, the account information, and the input personal identification number information indicating the personal identification number is generated, and the generated transaction authentication request is transmitted to the host 2.

  Upon receiving the transaction authentication request, the authentication processing unit 203A of the host 2 refers to the authentication management table T1 stored in the data area of the storage unit 202, and based on the information included in the received transaction authentication request, the transaction authentication Process. And the notification production | generation part 203B of the host 2 produces | generates the transaction authentication result according to the result, and transmits the produced | generated transaction authentication result to the automatic transaction apparatus 1 which transmitted the transaction authentication request | requirement of a process target.

  When the received transaction authentication result indicates that the transaction is permitted, the transaction control unit 111F of the automatic transaction apparatus 1 executes the transaction in cooperation with other functional units.

  According to the first embodiment, when the transaction is selected by the operation on the screen by the assistant, the automatic transaction apparatus 1 performs the control to validate the operation on the screen. Then, when transaction details are input by an operation on the screen, the transaction details are output as audio from the handset audio output unit 110B. And the automatic transaction apparatus 1 performs transaction after approval by the principal with respect to the input transaction content. By comprising in this way, the operation of the assistant at the time of assisting a transaction becomes easy. Moreover, since the transaction content input by the assistant is output as a voice and the transaction is executed after the person's approval, it is possible to prevent fraud.

  Moreover, according to the said Embodiment 1, after registering a helper in advance and authenticating a helper, a helper inputs transaction content by operation on a screen. By configuring in this way, for example, it is possible to prevent spoofing of an assistant, and a visually handicapped person can leave a transaction with peace of mind.

  Moreover, according to the said Embodiment 1, the automatic transaction apparatus 1 is provided with the registration function of a helper. With this configuration, it is not necessary to register an assistant at the window, so that convenience can be improved.

  Moreover, according to the said Embodiment 1, the name of the assistant who assisted the transaction is described in the usage refusal. With this configuration, it is possible to suppress fraud. In addition, it is easy to identify an assistant who has made a transaction.

(Embodiment 2)
In the second embodiment, a case will be described in which a floor assistant assigned to a branch office such as a financial institution plays the role of an assistant.

  The basic configuration of the automatic transaction apparatus 1 in the second embodiment is the same as that in the first embodiment. However, the function performed by the notification generation unit 111E is slightly different from that in the first embodiment. Further, the first screen that the screen control unit 111D controls the display unit 103 to display on the display screen is slightly different from the case of the first embodiment.

  FIG. 40 is an example of the first screen in the second embodiment. In the first screen in the second embodiment, an FA key is arranged. When the floor assistant inputs a password for floor assistant authentication (hereinafter referred to as an “FA PIN”), the FA key is selected. The operation by the floor assistant can be identified by inputting the FA password.

  When the FA key is selected, the notification generation unit 111E includes FA identification information and branch information indicating the branch code of the branch where the automatic transaction apparatus 1 being operated is installed in addition to the information described in the first embodiment. And generating a caretaker authentication request including: Here, the branch code is an identifier that can uniquely identify a branch such as a financial institution.

  When the floor assistant executes a transaction as an assistant, the transaction control unit 111F controls the card / receipt unit 105 to print a usage record as illustrated in FIG. In other words, a usage note with the name of the floor assistant printed. FIG. 41 is a diagram showing an example of a usage record when the floor assistant plays the role of an assistant.

  Next, the host 2 according to the second embodiment will be described with reference to FIG. FIG. 42 is a functional block diagram illustrating a configuration example of the host 2 in the second embodiment.

  The basic configuration of the host 2 in the second embodiment is the same as that in the first embodiment. However, as shown in FIG. 42, this embodiment is different from the first embodiment in that the FA management table T2 is further stored in the data area of the storage unit 202. The functions performed by the authentication processing unit 203A and the notification generation unit 203B are slightly different from those in the first embodiment.

  Here, the FA management table T2 stored in the data area of the storage unit 202 will be described with reference to FIG. The FA management table T2 in the second embodiment is a table that is referred to when the authentication processing unit 203A authenticates the floor assistant, and as shown in FIG. 43, for each branch code, a branch identified by the branch code. Is a table in which a pair of a floor assistant name and an FA personal identification number assigned to is associated with each other.

  Returning to FIG. 42, when receiving the assistant authentication request, the authentication processing unit 203A determines whether or not the received assistant authentication request includes FA identification information. If it is determined that FA identification information is included, the authentication processing unit 203A searches the FA management table T2 using “branch code” as a key, and the branch information included in the received assistant authentication request is included. The entry whose branch code matches the branch code shown is specified.

  Then, the authentication processing unit 203A determines whether or not the FA password of the identified entry includes an FA password that matches the password indicated by the assistant password information included in the received assistant authentication request. To do.

  On the other hand, if it is determined that the FA identification information is not included, the authentication processing unit 203A searches the authentication management table T1 using the “account number” as a key, and the account information included in the received assistant authentication request The entry whose account number matches the account number indicated by is identified.

  Then, the authentication processing unit 203A includes, among the assistant passwords registered in the specified entry, the assistant password that matches the assistant password indicated by the assistant password information included in the assistant authentication request. It is determined whether or not there is.

  The notification generation unit 203B determines that there is no matching FA code number by the authentication processing unit 203A during the assistant authentication process, or it is determined that there is no matching assistant code number by the authentication processing unit 203A. In the case of notification, the notification generation unit 203B generates an assistant authentication result indicating that the authentication has not been performed. And the notification production | generation part 203B transmits the produced | generated assistant authentication result to the automatic transaction apparatus 1 which transmitted the assistance authentication request | requirement of a process target via the communication part 201. FIG.

  On the other hand, when the authentication processing unit 203A determines that there is a matching FA code number during the assistant authentication process, the notification generation unit 203B refers to the FA management table T2 and matches the matching FA code number. The floor assistant name corresponding to is identified, and the assistant authentication result indicating the authentication is generated including the assistant name information indicating the identified floor assistant name. And the notification production | generation part 203B transmits the produced | generated assistant authentication result to the automatic transaction apparatus 1 which transmitted the assistance authentication request | requirement of a process target via the communication part 201. FIG.

  If the authentication processing unit 203A determines that there is a matching assistant password, the notification generation unit 203B refers to the authentication management table T1, and the name of the assistant corresponding to the matching assistant password And an assistant authentication result indicating that the authentication has been performed is generated, including the assistant name information indicating the specified assistant name. And the notification production | generation part 203B transmits the produced | generated assistant authentication result to the automatic transaction apparatus 1 which transmitted the assistance authentication request | requirement of a process target via the communication part 201. FIG.

  Next, with reference to FIG. 44 and FIG. 45, the flow of transaction processing in the second embodiment will be described. FIG. 44 is a part of a flowchart for explaining an example of transaction processing in the second embodiment. This transaction process is a process corresponding to the process of step S007 of the transaction start process described in the first embodiment. FIG. 45 is an example of the contents of the 26th voice guidance in the second embodiment.

  If it is determined in the process of step S217 that authentication has been performed (step S217; YES), the determination unit 111A further determines whether or not the FA key has been selected when the password for assistant authentication is input. Is determined (step S2401). If the determination unit 111A determines that the FA key has not been selected (step S2401; NO), the process proceeds to the process of step S218 described in the first embodiment.

  On the other hand, if the determination unit 111A determines that the FA key has been selected (step S2401; YES), the guidance control unit 111B stores the template data for the 26th voice guidance stored in the data area of the storage unit 102. And the 26th voice guidance data including the name of the authenticated floor assistant as illustrated in FIG. 45 based on the assistant name information included in the assistant authentication result and the handset voice output unit 110B. Controlled and generated 26th voice guidance “The name of the floor assistant is XXXXXX. To cancel the assistant's screen operation, press “0”. To cancel the transaction, please press the asterisk (*). Is output (step S2402).

  Then, the determination unit 111A determines whether or not the “0” button of the handset operation unit 110A has been pressed (step S2403).

  If the determination unit 111A determines that the “0” button has been pressed (step S2403; YES), the process proceeds to the process of step S504 described in the first embodiment.

  On the other hand, when it is determined that the “0” button is not pressed (step S2403; NO), the determination unit 111A further determines whether or not the asterisk (*) button of the handset operation unit 110A is pressed. Determination is made (step S2404). If the determination unit 111A determines that the asterisk (*) button has been pressed (step S2404; YES), the process proceeds to the process of step S602 described in the first embodiment.

  On the other hand, when it is determined that the asterisk (*) button has not been pressed (step S2404; NO), the determination unit 111A further includes a button other than the “0” button and the asterisk (*) button of the handset operation unit 110A. It is determined whether or not the button has been pressed (step S2405). If the determination unit 111A determines that a button other than the “0” button and the asterisk (*) button has been pressed (step S2405; YES), the process returns to the process of step S2402, and the above-described process is performed. repeat.

  On the other hand, if it is determined that the button has not yet been pressed (step S2405; NO), the determination unit 111A further determines whether or not a timeout has occurred (step S2406). If the determination unit 111A determines that a time-out has occurred (step S2406; YES), the process proceeds to step S221 described in the first embodiment.

  On the other hand, when the determination unit 111A determines that the time-out has not yet occurred (step S2406; NO), the process returns to the process of step S2403, and the above-described process is repeated.

  Next, with reference to FIG. 46, the flow of the assistant authentication process in the second embodiment will be described. FIG. 46 is a flowchart for explaining an example of the assistant authentication process executed on the host 2 side in the second embodiment. The present assistant authentication process is started with the reception of the assistant authentication request as a trigger.

  The authentication processing unit 203A determines whether or not an assistant authentication request has been received (step S2001). If the authentication processing unit 203A determines that the assistant authentication request has not yet been received (step S2001; NO), the process repeats the process of step S2001 and waits for reception of the assistant authentication request.

  On the other hand, when it is determined that the assistant authentication request has been received (step S2001; YES), the authentication processing unit 203A further determines whether or not the FA identification information is included in the received assistant authentication request ( Step S2501).

  If it is determined that FA identification information is included (step S2501; YES), the authentication processing unit 203A searches the FA management table T2 using “branch code” as a key, and receives the received assistant authentication request An entry whose branch code matches the branch code indicated by the branch information included in is identified (step S2502).

  Then, the authentication processing unit 203A determines whether or not the FA password of the identified entry includes an FA password that matches the password indicated by the assistant password information included in the received assistant authentication request. (Step S2503). If the authentication processing unit 203A determines that there is no matching FA password (step S2503; NO), the process proceeds to the process of step S2004 described in the first embodiment.

  On the other hand, if the authentication processing unit 203A determines that there is a matching FA password (step S2503; YES), the notification generation unit 203B refers to the FA management table T2 and sets the matching FA password. The name of the corresponding floor assistant is specified (step S2504), and the process proceeds to the process of step S2006 described in the first embodiment. However, when the process proceeds to step S2006 via step S2504, the notification generation unit 203B generates an authentication result of authentication of the assistant including the assistant name information indicating the specified floor assistant name. To do.

  If it is determined in step S2501 that the FA identification information is not included (step S2501; NO), the process proceeds to step S2002 described in the first embodiment.

  According to the second embodiment, the host 2 holds the FA management table T2 and authenticates the floor assistant that plays the role of an assistant. By configuring in this way, the floor assistant can assist the transaction. Therefore, a visually handicapped person can make a transaction without matching the schedule of the caregiver, and can improve convenience.

  Moreover, according to the said Embodiment 2, the name of the floor assistant who transacted as a helper is described in a usage record. By comprising in this way, it becomes possible to suppress an illegal transaction and to aim at the safety of a transaction.

  In the transaction processing in the first and second embodiments, it has been described that the assistant is authenticated before the person is authenticated, and the personal identification number is input by an operation on the screen. It is not limited, and the personal identification number is input via the handset operation unit 110A as in the registration process executed on the automatic transaction apparatus 1 side. You may comprise so that operation of this may be validated. By comprising in this way, it becomes possible to perform a transaction by a helper, without telling a helper the personal identification number. Thereby, a visually handicapped person can use the transaction by the assistant with confidence, and the transaction processing time can be shortened. Therefore, the processing efficiency of the automatic transaction apparatus 1 can be improved and congestion can be reduced.

  Further, in the first and second embodiments, when the transaction is authenticated on the host 2 side, the transaction information and the name of the assistant (or the name of the floor assistant) are linked to the account number and illustrated in FIG. You may comprise so that it may register into transaction management table T3. In this case, what is necessary is just to comprise so that the transaction management table T3 may be stored in the data area of the memory | storage part 202. FIG. The transaction information includes information such as transaction date and time, transaction type, and transaction amount. FIG. 47 is a diagram illustrating a configuration example of the transaction management table T3.

  In the first and second embodiments, the automatic transaction apparatus 1 installed in a financial institution or the like has been described as an example. However, the present invention can be applied to all automatic transaction apparatuses that require safety of transactions. . For example, the present invention can be applied to an automatic ticketing device for gold tickets such as boarding tickets and voting tickets.

  In the first and second embodiments, when the authentication of the assistant is performed, the automatic transaction apparatus 1 generates an assistant authentication request and transmits it to the host 2 to perform the authentication process of the assistant on the host 2 side. Explained. However, the present invention is not limited to this, and as shown in FIG. 48, the automatic transaction apparatus 1 may be configured to include an authentication processing unit 111 </ b> G that performs authentication processing of an assistant. In this case, for example, the name of the assistant and the assistant security code may be registered in association with a magnetic stripe such as a cash card or a bankbook, or an IC chip of an IC card. Then, the authentication processing unit 111G may perform authentication by comparing the input assistant password with the assistant password registered in a medium such as a cash card inserted at that time. FIG. 48 is a functional block diagram showing another configuration example of the automatic transaction apparatus 1 in the embodiment.

  Further, as shown in FIG. 48, by configuring the storage unit 102 of the automatic transaction apparatus 1 to store the FA management table T2, it is possible to configure the floor assistant authentication to be performed on the automatic transaction apparatus 1 side. . FIG. 49 is a diagram showing a configuration example of the FA management table T2 in this case, and as shown in FIG. 49, is a table in which the floor assistant name is associated with the FA personal identification number. That is, in this case, the table may be a table that manages only the floor assistants assigned to the branch where the automatic transaction apparatus 1 is installed. In this case, the authentication processing unit 111G determines whether there is an FA password that matches the input FA password in the FA password registered in the FA management table T2 stored in the storage unit 102. What is necessary is just to determine. FIG. 49 is a diagram illustrating another configuration example of the FA management table T2 in the embodiment.

  An operation program for executing the above operation is a computer-readable recording medium such as a flexible disk, a CD-ROM (Compact Disk-Read Only Memory), a DVD (Digital Versatile Disk), or an MO (Magnet Optical disk). The above-described processing may be executed by storing and distributing it in a computer and installing it in a computer such as the automatic transaction apparatus 1. Furthermore, an operation program may be stored in a disk device or the like included in a server device on the Internet, and may be downloaded onto a computer by being superimposed on a carrier wave, for example.

  As mentioned above, although embodiment of this invention was described, this invention is not limited to embodiment described above, In the range which does not deviate from the summary of this invention, various structures or embodiment can be taken. it can.

DESCRIPTION OF SYMBOLS 100 Automatic transaction system NW network 1 Automatic transaction apparatus 101 Communication part 102 Memory | storage part 103 Display part 104 Operation part 105 Card / receipt unit 106 Passbook unit 107 Banknote unit 108 Coin unit 110 Handset 110A Handset operation part 110B Handset audio | voice output part 111 Control part 111A determination unit 111B guidance control unit 111C operation control unit 111D screen control unit 111E notification generation unit 111F transaction control unit 111G authentication processing unit 2 host 201 communication unit 202 storage unit 203 control unit 203A authentication processing unit 203B notification generation unit 203C registration processing unit T1 Authentication management table T2 FA management table T3 Transaction management table

Claims (9)

Voice output means for guiding the operation by outputting voice when a visually impaired person makes a transaction;
Operating means for the visually impaired, which is operated when the visually impaired person conducts a transaction,
An operation means different from the operation means for the visually impaired, which is operated when a customer other than the visually impaired person performs a transaction,
Switching control means for performing switching control between validation and invalidation of operation via the manipulation means;
A transaction execution means for executing a transaction according to an operation;
With
The switching control means invalidates the operation through the operation means when the operation means for the visually impaired person is operated, and follows the guidance by the audio output means through the operation means for the visually impaired person. When an operation for selecting a transaction through the operation means by an assistant is performed, the operation through the operation means is enabled,
When the transaction is designated via the operation means, the voice output means outputs the designated transaction content by voice,
The transaction execution means executes the specified transaction when an operation for approving the specified transaction is performed through the operation means for the visually impaired.
An automatic transaction apparatus characterized by that. An authentication request generating means for generating an authentication request for requesting authentication of the assistant, and transmitting the generated authentication request to a host device;
The transaction execution means executes the specified transaction only when the assistant is authenticated by the host device.
The automatic transaction apparatus according to claim 1. An authentication means for authenticating the assistant is further provided,
The transaction execution means executes the specified transaction only when the assistant is authenticated by the authentication means.
The automatic transaction apparatus according to claim 1. The caregiver is authenticated if registered,
The automatic transaction apparatus according to claim 2 or 3, wherein And further comprising a registration means for registering the assistant.
The automatic transaction apparatus according to claim 4. After the user authentication is performed through the operation unit for the visually impaired, the operation of selecting a transaction through the operation unit by an assistant is performed.
The automatic transaction apparatus according to any one of claims 1 to 5, wherein: A receipt issuing means for issuing a receipt indicating the contents of the transaction;
The receipt issuing means, when the operation for selecting a transaction through the operation means by an assistant is performed, issues a receipt in which the name of the assistant who has assisted the transaction is described.
The automatic transaction apparatus according to any one of claims 1 to 6. The operating means for the visually impaired is a handset provided with an input unit,
The handset includes the audio output means.
The automatic transaction apparatus according to any one of claims 1 to 7, wherein When the visually handicapped person operating means operated when the visually impaired person conducts a transaction, the operating means different from the visually impaired person operating means operated when the customer other than the visually impaired person conducts the transaction Disable operations via,
According to the guidance by the voice output means for guiding the operation by outputting sound when the visually handicapped person conducts the transaction, the transaction through the operation means by the assistant is selected through the operation means for the visually impaired When an operation is performed, the operation through the operation means is enabled,
When a transaction is specified via the operation means, the audio output means causes the audio output means to output the content of the specified transaction,
Executing the specified transaction when an operation for approving the specified transaction is made via the operating means for the visually impaired.
The transaction assistance method of the automatic transaction apparatus characterized by the above-mentioned.