JP6569316B2 - Trading device - Google Patents

Description

  The present invention relates to a transaction apparatus, and can be applied to, for example, an ATM (Automated Teller Machine) installed in a financial institution or the like corresponding to a transfer card (a card on which the contents of a transfer transaction are recorded).

  Some conventional ATMs support transactions using not only cash cards and passbooks but also cards that record the contents of transfer transactions (hereinafter referred to as “transfer cards”).

  As an ATM corresponding to a conventional transfer card, for example, there are devices described in Patent Documents 1 and 2.

  For the purpose of reissuing a worn transfer card, the ATM described in Patent Document 1 has a function to read the contents of the transfer card and issue the same transfer card when an issued transfer card is inserted. It corresponds.

  The ATM described in Patent Document 2 reads the contents of the transfer card when the issued transfer card is inserted, and the information read from the transfer card when the name of the cash card and the requester of the transfer card are different. To continue the transaction.

JP 2004-005144 A JP-A-8-115375

  However, in the ATMs described in Patent Documents 1 and 2, it was possible to reissue the transfer card and update the information registered in the transfer card. It has not been possible to prevent unauthorized use of a transferred transfer card (for example, a transfer card that has been illegally acquired by snooping (embedding) or theft). An illegally acquired transfer card may be used for, for example, an act of soliciting interest by transferring cash without permission to the transfer destination of the transfer card (so-called “push lending”).

  Therefore, there is a demand for a transaction apparatus that enables transactions using a medium in which transaction information is recorded (for example, a transfer card for performing a transfer transaction) while suppressing unauthorized use of the medium.

The transaction apparatus according to the first aspect of the present invention includes (1) a medium processing unit that accepts insertion of a first medium and a second medium, and (2) information on the first medium and information on the second medium. a performs a transaction process using, if the information of the first media information and the second medium does not match, possess a transaction processing unit to stop the transaction, (3) the first The medium is a cash card, the second medium is a transfer card, and (4) the transaction processing unit does not match the name of the first medium and the name of the client of the second medium (5) The information on the first medium and the information on the second medium are information acquired by the medium processing unit.

  ADVANTAGE OF THE INVENTION According to this invention, the transaction apparatus which suppresses the unauthorized use of the said medium can be provided, enabling transaction using the medium on which transaction information was recorded.

It is the block diagram shown about the functional structure of ATM which concerns on 1st Embodiment. It is a perspective view of the appearance of ATM concerning a 1st embodiment. It is explanatory drawing shown about the structural example of the cash card used by ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the transfer card used by ATM which concerns on 1st Embodiment. It is the flowchart shown about operation | movement of ATM which concerns on 1st Embodiment. It is explanatory drawing shown about the structural example of the transaction cancellation screen displayed by ATM which concerns on 1st Embodiment. It is the flowchart shown about operation | movement of ATM which concerns on 2nd Embodiment. It is explanatory drawing shown about the structural example of the transfer card information protection screen displayed by ATM which concerns on 2nd Embodiment. It is explanatory drawing shown about the structural example (the 1) of the information input screen displayed by ATM which concerns on 2nd Embodiment. It is explanatory drawing shown about the structural example (the 2) of the information input screen displayed by ATM which concerns on 2nd Embodiment. It is the block diagram shown about the functional structure of ATM which concerns on 3rd Embodiment. It is the flowchart shown about operation | movement of ATM which concerns on 3rd Embodiment.

(A) 1st Embodiment Hereinafter, 1st Embodiment of the transaction apparatus and transaction system by this invention is described in full detail, referring drawings. Below, the example which applies the transaction apparatus of this invention to ATM is demonstrated.

(A-1) Configuration of the First Embodiment FIG. 1 is a block diagram showing a functional configuration of the ATM 1 of the first embodiment and a connection configuration of peripheral devices. FIG. 2 is a perspective view of the appearance of the ATM 1.

  The ATM 1 performs transaction processing with the customer (for example, withdrawal of cash from the customer's account) by the operation of the customer who performs the transaction processing or the cooperative processing (for example, transaction processing) involving communication with the host computer 2. Etc.). In other words, the ATM 1 and the host computer 2 function as a transaction processing means in cooperation.

  The ATM 1 is connected to the host computer 2 via the network N. For the network N, various network connections such as a public telephone network, a digital leased line, and the Internet can be applied.

  ATM1 has the control part 10, the data recording part 20, the operation display part 30, the card | curd processing part 40, the banknote depositing / withdrawing part 50, the coin depositing / withdrawing part 60, and the receipt printing part 70. FIG.

  The control part 10 bears the function which controls operation | movement of each part of ATM1. The data recording unit 20 is a data storage unit that stores various types of information necessary for the control unit 10 to perform information processing. The data recording unit 20 can be configured by, for example, various memories.

  The control unit 10 is realized, for example, by installing the control program of the embodiment (including a program related to each component in the control unit 10 shown in FIG. 1) or the like in an implementation configuration (computer) including a processor or the like. can do. The above-described program may be stored in the data recording unit 20, for example, and may be read and executed by the control unit 10 when the ATM 1 is activated.

  The operation display unit 30 is a device that constitutes an interface with a customer, and here, it is assumed to be configured using a touch panel display (liquid crystal display with a touch panel). The operation display unit 30 can display an operation screen according to the control of the control unit 10 and perform information output and operation reception (acceptance of information input). In other words, the operation display unit 30 has a function of a display unit that outputs a display to a customer (for example, displays and outputs the contents of a transaction) and a function of an operation unit that receives an operation from the customer. The configuration is not limited.

  The card processing unit 40 processes a card (a card including a cash card and a transfer card) inserted from the customer into the card insertion / exit port 401. In other words, the card processing unit 40 functions as a medium processing unit that accepts and processes insertion of a card (a card including a cash card and a transfer card) as a medium. The detailed configuration of the card processing unit 40 will be described later.

  The banknote depositing / withdrawing unit 50 has a function of storing banknotes deposited by customers and a function of dispensing banknotes stored to customers according to the control of the control unit 10. In this embodiment, the banknote depositing / withdrawing unit 50 is assumed to be capable of depositing / withdrawing banknotes from the banknote depositing / dispensing port 51.

  The coin deposit / withdrawal unit 60 has a function of storing coins deposited from a customer and a function of dispensing the stored coins to the customer under the control of the control unit 10. In this embodiment, it is assumed that the coin deposit / withdrawal unit 60 can deposit / withdraw coins from a coin deposit / withdrawal port 61.

  The receipt printing unit 70 prints the transaction result performed at the ATM 1 on the printing paper according to the control of the control unit 10 and discharges it from the receipt discharge port 71.

  Next, a detailed configuration of the card processing unit 40 will be described.

  The card processing unit 40 processes the cash card and the transfer card according to the control of the control unit 10. The card processing unit 40 includes a cash card processing unit 41 for processing a cash card and a transfer card processing unit 42 for processing a transfer card.

  In the card processing unit 40, the card (cash card or transfer card) inserted from the card insertion / exit port 401 can be distributed to the corresponding processing unit (card processing unit 40 or transfer card processing unit 42) for processing. Further, in the card processing unit 40, the card (cash card or transfer card) fed out from the cash card processing unit 41 or the transfer card processing unit 42 can be discharged from the card insertion / exit port 401. To do. Note that the hardware itself of the card processing unit 40 can be applied to various devices capable of processing a cash card and a transfer card, and therefore detailed description thereof is omitted. Moreover, in ATM1 of this embodiment, although demonstrated as what mounts the card processing part 40 which united the cash card processing part 41 and the transfer card processing part 42, the cash card processing part 41 and the transfer card processing part 42 are used. You may make it comprise as a separate device.

  Next, configuration examples of a cash card and a transfer card processed by the card processing unit 40 will be described.

  FIG. 3 is a diagram showing a configuration example of the cash card C1 processed by the card processing unit 40 (cash card processing unit 41) of this embodiment.

  The cash card C1 shown in FIG. 3 includes a magnetic stripe C11 in which account information and the like related to the corresponding account are recorded, and an IC chip C12 as a data recording unit capable of recording various information including account information. It has been. It is assumed that the cash card processing unit 41 can perform data processing including data reading of the magnetic stripe C11 and the IC chip C12 of the inserted cash card C1. Note that the cash card processing unit 41 may be able to process a cash card without an IC chip.

  FIG. 4 is a diagram illustrating a configuration example of a transfer card C2 as a medium processed by the transfer card processing unit 42.

  As shown in FIG. 4A, the transfer card C2 has information on the transfer destination using the transfer card C2 printed on the first surface (ticket surface). Further, on the second surface (the back surface of the first surface) of the transfer card C2, as shown in FIG. 4B, a magnetic stripe C22 in which information necessary for transferring the cash to the transfer destination is recorded. Is attached.

  As shown in FIG. 4A, in the print area C21 of the transfer card C2, information (hereinafter referred to as “transfer transaction information”) relating to the transfer transaction (hereinafter referred to as “transfer transaction information”) "Transferee information") and information on the client (transferr) (hereinafter referred to as "client information") are printed. In this embodiment, as shown in FIG. 4 (a), in the print area C21 of the transfer card C2, as the transfer destination information, “financial institution name”, “branch name”, “account number”, “subject”, And “recipient name” (recipient's name) are printed. In FIG. 4A, “Bank A” as “Financial Institution Name”, “Tokyo Branch” as “Branch Name”, “1234567” as “Account Number”, “Normal” as “Subject”, and “Recipient Name”. “Yamada_Taro” is printed on each.

  Further, in this embodiment, as shown in FIG. 4A, in the print area C21 of the transfer card C2, “client name” (name of client) and “client telephone number” are displayed as client information. (Client's phone number) is printed. In FIG. 4A, “Yamada_Hanako” is printed as the “client name”, and “00-0000-0000” is printed as the “client telephone number”.

  Furthermore, in this embodiment, description will be made assuming that at least information printed in the print area C21 is recorded in the magnetic stripe C22 of the transfer card C2.

  Next, the configuration of the transfer card processing unit 42 will be described.

  The transfer card processing unit 42 has a data processing unit 421. The data processing unit 421 performs data processing (data reading, etc.) of the magnetic stripe C22 attached to the transfer card C2.

  Next, the internal configuration of the control unit 10 will be described. As described above, the control unit 10 includes the transaction processing unit 11 and the card control unit 12.

  The transaction processing unit 11 performs processing related to transactions with customers. The transaction processing unit 11, for example, receives an operation via the operation display unit 30 (for example, an operation reception using an operation screen) or a data process (for example, a transaction) with the host computer 2 based on information input from a customer. ) And cash processing control for the banknote deposit / withdrawal unit 50 and the coin deposit / withdrawal unit 60.

  The card control unit 12 performs control processing of the card processing unit 40. The card control unit 12 controls the transfer card processing unit 42 in accordance with an instruction from the transaction processing unit 11 and performs processing (data reading, data writing, printing, etc.) of the transfer card C2.

  Next, processing when the control unit 10 (transaction processing unit 11) performs a transfer transaction using the cash card C1 and the transfer card C2 will be described.

  The control unit 10 (transaction processing unit 11) of this embodiment, when making a transfer from the account of the cash card C1 to the transfer destination account recorded in the transfer card C2, the name of the owner of the cash card C1 and the transfer card The client name of C2 (name of the client recorded on the transfer card C2) is collated (compared). And the control part 10 (transaction processing part 11) stops the transaction using the said cash card C1 and the said transfer card C2, when the holder name of the cash card C1 and the client name of the transfer card C2 do not correspond. Process.

  The control unit 10 (transaction processing unit 11) determines that the name of the cash card C1 and the name of the transfer card C2 match if the name of the name of the cash card C1 does not match the name of the requester of the transfer card C2. Processing to display and output a message notifying that it is not performed from the operation display unit 30 is performed.

(A-2) Operation of the First Embodiment Next, the operation of the ATM 1 of the first embodiment having the above configuration will be described.

  FIG. 5 is a flowchart showing an example of the operation of the transfer transaction using the cash card C1 and the transfer card C2 at ATM1.

  First, a card transfer transaction is started by a customer operation (operation on the operation display unit 30) from a customer waiting state at ATM1 (S101), and a cash card C1 is inserted into the card insertion / extraction port 401 by the customer. (S102).

  Next, the control unit 10 (transaction processing unit 11) displays an operation screen for accepting an input of a personal identification number on the operation display unit 30, and accepts an input of the personal identification number from a customer (S103).

  Next, the control unit 10 (transaction processing unit 11) displays an operation screen for accepting the input of the transfer amount (transaction amount) on the operation display unit 30, and accepts the input of the transfer amount from the customer (S104).

  Next, the control unit 10 (transaction processing unit 11) displays an operation screen for requesting the customer to input information of the transfer destination and the client. Here, instead of the operation input by the customer, the transfer card C2 is displayed. Is inserted (S105). When the transfer card C2 is inserted, the control unit 10 (card processing unit 40) reads information recorded on the transfer card C2 (information including account information of the transfer destination).

  Next, the control unit 10 (transaction processing unit 11) communicates with the host computer 2 to make a transfer destination account based on the acquired information (information acquired from the transfer card C2 and the cash card C1), and the client account. If there is, information such as a recipient name, a client name, and a fee is received from the host computer 2 (S106). Here, the control unit 10 (transaction processing unit 11) will be described below assuming that the account existence confirmation and the information acquisition from the host computer 2 have been successful.

  Next, the control unit 10 (transaction processing unit 11) determines whether or not the requester name of the transfer card C2 (the holder obtained from the magnetic stripe C22 of the transfer card C2) matches the holder name of the cash card C1. Judgment is made (S107). The control unit 10 (transaction processing unit 11) operates from step S108, which will be described later, when the client name of the transfer card C2 matches the name of the holder of the cash card C1, and the client name of the transfer card C2 and the cash card C1. If the name does not match (if different), the operation starts from step S112 described later.

  When the client name of the transfer card C2 and the holder name of the cash card C1 match, the control unit 10 (transaction processing unit 11) requests the operation display unit 30 to confirm the transfer destination (hereinafter referred to as “transfer”). (Referred to as a “destination confirmation screen”) and accepts confirmation from the customer that the transfer is to be made to the transfer destination (S108). Information related to the bank account (for example, information on the bank name, branch name, subject, account number, account name, etc.) of the bank account may be displayed on the bank account confirmation screen. In the following description, it is assumed that the customer has confirmed that the transfer is to be made to the transfer destination (for example, confirmation by pressing a “confirmation” key or the like on an operation screen not shown).

  Next, the control part 10 (transaction processing part 11) communicates with the host computer 2, and performs the information processing (for example, transaction process) of the transfer transaction input and confirmed (S109). Here, the following description will be given on the assumption that the transfer transaction process between the control unit 10 (transaction processing unit 11) and the host computer 2 has been successful.

  Next, the control unit 10 (transaction processing unit 11) controls the receipt printing unit 70 to print the details of the current transfer transaction (S110).

  Next, the control unit 10 (transaction processing unit 11) controls the receipt printing unit 70, the cash card processing unit 41, and the transfer card processing unit 42 to discharge the statement slip, the cash card C1, and the transfer card C2 ( S111), the current transaction is terminated.

  On the other hand, when it is determined in step S107 described above that the client name of the transfer card C2 and the name of the holder of the cash card C1 do not match, the control unit 10 (transaction processing unit 11) performs the cash card processing unit 41 and the transfer card processing. The unit 42 is controlled to discharge the cash card C1 and the transfer card C2 (S112), and the current transaction is terminated. At this time, the control unit 10 (transaction processing unit 11) operates a screen (hereinafter referred to as “transaction cancellation screen”) for notifying that the name of the cash card C1 does not match the name of the requester of the transfer card C2. You may make it perform the process output-displayed from the display part 30. FIG. FIG. 6 is an explanatory diagram showing a configuration example of a transaction cancellation screen. In the transaction cancellation screen shown in FIG. 6, a message notifying that the name of the name on the cash card C1 does not match the name of the client on the transfer card C2 (in FIG. 6, “the name on the cash card and the client on the transfer card match "You cannot do a transfer transaction because you don't."

(A-3) Effects of First Embodiment The following effects can be achieved in the first embodiment.

  In the control unit 10 (transaction processing unit 11) of the first embodiment, when performing a transfer transaction using the cash card C1 and the transfer card C2, the name holder of the cash card C1 and the client name of the transfer card C2 are collated. (Comparison) and the transaction is canceled if they do not match. In other words, the control unit 10 (transaction processing unit 11) continues the transfer transaction only when the name of the cash card C1 matches the name of the requester of the transfer card C2, and performs the next process (for example, a transfer confirmation screen). (Transfer processing to confirm the transfer destination information).

  Thereby, in ATM1 of 1st Embodiment, the transfer card C2 obtained illegally (For example, transfer card C2 obtained by picking up (the embezzlement), theft, etc.) is used illegally (for example, "pushing out" etc.) (Used for crime) can be suppressed.

(B) Second Embodiment Hereinafter, a second embodiment of the transaction apparatus and the transaction system according to the present invention will be described in detail with reference to the drawings. Below, the example which applies the transaction apparatus of this invention to ATM is demonstrated.

(B-1) Configuration of the Second Embodiment The ATM 1 of the second embodiment can also be shown using FIG. 1 described above as in the first embodiment.

  Below, difference with 1st Embodiment is demonstrated about ATM1 of 2nd Embodiment.

  In the control unit 10 (transaction processing unit 11) of the first embodiment, when performing a transfer transaction using the cash card C1 and the transfer card C2, the name holder of the cash card C1 and the client name of the transfer card C2 are collated. (Comparison) and the transaction is canceled if they do not match. On the other hand, the control unit 10 (transaction processing unit 11) of the second embodiment relates to the cash card C1 or the transfer card C2 when the name of the cash card C1 does not match the client name of the transfer card C2. The transfer transaction shall be performed on condition that the predetermined information input has been performed correctly.

  Specifically, the control unit 10 (transaction processing unit 11) of the second embodiment, if the name of the cash card C1 and the name of the requester of the transfer card C2 do not match, the name of the cash card C1 or the transfer A transfer transaction is performed only when one of the client's names of the card C2 is requested and correctly entered (when it matches the information of the cash card C1 or the transfer card C2).

(B-2) Operation of the Second Embodiment Next, the operation of the ATM 1 of the second embodiment having the above configuration will be described.

  FIG. 7 is a flowchart showing an example of an operation of a transfer transaction using the cash card C1 and the transfer card C2 in the ATM 1 of the second embodiment.

  In addition, in ATM1 of 2nd Embodiment, the cash card C1 and the transfer card C2 are inserted, Information acquisition from the host computer 2 (Information acquisition regarding the account of the transfer place concerning the inserted cash card C1 and the transfer card C2) ) (Steps S201 to S206) are the same as the operations of the first embodiment (steps S101 to S106 described above), and detailed description thereof is omitted.

  Next, the control unit 10 (transaction processing unit 11) determines whether or not the client name of the transfer card C2 matches the name of the holder of the cash card C1 (S207). The control unit 10 (transaction processing unit 11) operates from step S208, which will be described later, when the client name of the transfer card C2 matches the name of the holder of the cash card C1, and the client name of the transfer card C2 and the cash card C1. If the name does not match (if different), the operation starts from step S212 described later.

  When the requester name of the transfer card C2 and the holder name of the cash card C1 do not match (if different) in step S207 described above, the control unit 10 (transaction processing unit 11) informs the customer of the requester name of the transfer card C2. A screen (hereinafter referred to as “transfer card information protection screen”) for notifying that the name of the cash card C1 does not match is displayed on the operation display unit 30 (S212).

  FIG. 8 is an explanatory diagram showing a configuration example of the transfer card information protection screen displayed in step S212.

  In the transfer card information protection screen shown in FIG. 8, a message notifying that the requester name of the transfer card C2 and the name of the holder of the cash card C1 do not match (in FIG. 8, “the name of the client of the transfer card and the name of the cash card are Message ”) and a message that guides you to continue the transaction (in FIG. 8, press“ Confirm ”to continue the transaction, and enter the name of the cash card (client). If you want to quit, please press “Cancel” message). Further, on the transfer card information protection screen shown in FIG. 8, a confirmation key B101 for accepting confirmation of transaction continuation and a cancel key B102 for accepting cancellation of transaction are arranged. On the transfer card information protection screen, when the confirmation key B101 is pressed, the process proceeds to the next process (the process of step S213 described later), and when the cancel key B102 is pressed, the transaction is stopped. Here, in order to simplify the description, the following description will be made assuming that the confirmation key B101 is pressed on the transfer card information protection screen.

  When the confirmation key B101 is pressed on the transfer card information protection screen, the control unit 10 (transaction processing unit 11) accepts a predetermined information input for continuing the transaction (hereinafter referred to as “information input screen”). ”Is displayed, and processing for receiving information input from the customer (hereinafter also referred to as“ information input processing ”) is executed (S213).

  In the information input screen of this embodiment, it is assumed that an input is received for the client name recorded on the inserted transfer card C2.

  FIG. 9 is an explanatory diagram showing a configuration example of the information input screen displayed in step S213.

  In the information input screen shown in FIG. 9, a message for guiding the client name input of the transfer card C <b> 2 (in FIG. 9, “Please enter the client name of the transfer card”) and information input (name of the client) Field F201 for receiving (input) is arranged. The method for receiving information input in the field F201 of the information input screen is not limited, but for example, the input may be received using a software keyboard or the like (not shown). Further, in the information input screen shown in FIG. 9, a confirmation key B201 for accepting confirmation of information input in the field F201 and a cancel key B202 for accepting cancellation of the transaction are arranged. In the information input screen shown in FIG. 9, the process proceeds to the next process (the process of step S214 described later) when the confirmation key B201 is pressed, and the transaction is canceled when the cancel key B202 is pressed. Here, in order to simplify the description, the following description will be given on the assumption that the information input to the field F201 and the press of the confirmation key B201 have been performed on the information input screen.

  When the information input to the field F201 and the confirmation key B201 are pressed on the information input screen shown in FIG. 9, the control unit 10 (transaction processing unit 11) sends the information input on the information input screen to the transfer card C2. (In this embodiment, the requester name of the transfer card C2) is compared (S214). And the control part 10 (transaction processing part 11) will continue a transaction, when the information input on the information input screen and the information acquired from the transfer card C2 correspond (when correct information is input). If the information entered on the information input screen and the information acquired from the transfer card C2 do not match (if incorrect information is entered), the process proceeds from step S208 described later. The process proceeds from the process to a process for requesting information input again.

  When the process proceeds to step S208, the control unit 10 (transaction processing unit 11) displays an operation screen requesting confirmation of the transfer destination on the operation display unit 30, and makes a transfer from the customer to the transfer destination. Accept confirmation. In the following description, it is assumed that the customer has confirmed that the transfer is to be made to the transfer destination (for example, confirmation by pressing a “confirmation” key or the like on an operation screen not shown).

  Thereafter, the control unit 10 (transaction processing unit 11) communicates with the host computer 2 to execute information processing of the transfer transaction (S209), and controls the receipt printing unit 70 to print the details of the current transfer transaction. (S210), the receipt printing unit 70, the cash card processing unit 41, and the transfer card processing unit 42 are controlled to discharge the statement slip, the cash card C1, and the transfer card C2 (S211), and the current transaction is terminated. .

  In step S213 described above, the information requested to be input on the information input screen is the client name recorded in the inserted transfer card C2, but may be the name of the holder of the cash card C1.

  FIG. 10 is an explanatory diagram showing a configuration example of the information input screen displayed in step S213.

  On the information input screen shown in FIG. 10, a message for guiding the name of the holder of the cash card C <b> 1 (in FIG. 10, a message “Please enter the name of the owner of the cash card”) and information input (the cash card C <b> 1 A field F301 for accepting the input of the name of the right holder) is arranged. The method for receiving information input in the field F301 of the information input screen is not limited, but for example, the input may be received using a software keyboard or the like (not shown). Further, in the information input screen shown in FIG. 10, a confirmation key B301 for accepting confirmation of information input inputted in the field F301 and a cancel key B302 for accepting cancellation of the transaction are arranged. In the information input screen shown in FIG. 10, the process proceeds to the next process (the process of step S214 described later) when the confirmation key B301 is pressed, and the transaction is stopped when the cancel key B302 is pressed.

  In addition, when the input of the holder name of the cash card C1 is accepted in step S213, the control unit 10 (transaction processing unit 11) receives the information input on the information input screen and the name of the cash card C1 in step S214 described above. It is determined whether or not the person name matches. When the information input on the information input screen matches the name of the holder of the cash card C1, the control unit 10 (transaction processing unit 11) proceeds to step S208 described above and is input on the information input screen. If the information does not match the name of the cash card C1, the process proceeds to step S212 described above.

(B-3) Effects of Second Embodiment According to the second embodiment, the following effects can be achieved.

  When the control unit 10 (transaction processing unit 11) of the second embodiment is a transfer transaction using the cash card C1 and the transfer card C2, the name of the cash card C1 and the requester name of the transfer card C2 do not match. The transfer transaction is performed on condition that predetermined information input (name of the name of the cash card C1 or name of the requester of the transfer card C2) is correctly performed. In the first embodiment, the transaction is canceled when the name of the cash card C1 does not match the name of the requester of the transfer card C2. However, in the ATM 1 of the second embodiment, predetermined information is correctly input. Transfer transaction can continue. Information input (input of the name of the name of the cash card C1 or the name of the client of the transfer card C2) is easy for the customer who has acquired the transfer card C2 properly. On the other hand, when an unauthorized acquirer of the transfer card C2 is unexpectedly requested to input information, it is necessary to temporarily stop the transaction and take out the cash card C1 and the transfer card C2 from the ATM 1 for confirmation. Usually, a person who intends to illegally use the transfer card C2 tends to avoid an increase in ATM operation time (transaction time) in consideration of the presence of a monitoring camera and the like. Therefore, when a person who intends to illegally use the transfer card C2 is requested to input information from the ATM 1, it is considered that the possibility of canceling the transaction related to the unauthorized use is increased.

  As described above, in the ATM 1 of the second embodiment, it is possible to continue the transfer transaction without greatly deteriorating the convenience for the customer who has acquired the transfer card C2, and the illegal acquisition of the transfer card C2. The unauthorized use of the transfer card C2 can be suppressed for the person.

(C) Third Embodiment Hereinafter, a third embodiment of the transaction apparatus and the transaction system according to the present invention will be described in detail with reference to the drawings. Below, the example which applies the transaction apparatus of this invention to ATM is demonstrated.

(C-1) Configuration of the Third Embodiment FIG. 11 is a block diagram showing the functional configuration of the ATM 1B of the third embodiment and the connection configuration of peripheral devices. Parts are denoted by the same reference numerals and corresponding codes.

  The ATM 1B of the third embodiment is different from the second embodiment in that the control unit 10 (transaction processing unit 11) is replaced with a control unit 10B (transaction processing unit 11B).

  When the holder of the cash card C1 and the client of the transfer card C2 are different from each other, the control unit 10 (transaction processing unit 11) according to the second embodiment determines whether or not the owner of the cash card C1 in steps S213 and S214. Processing for accepting and collating the information input of any one of the clients of the transfer card C2 is performed. In contrast, the control unit 10B (transaction processing unit 11B) of the third embodiment requests an input every time an information input is requested when the holder of the cash card C1 and the requester of the transfer card C2 are different. Change the information items to be changed. For example, the control unit 10B (transaction processing unit 11B) of the second embodiment requests the information input of the holder of C1 of the cash card when requesting the first information input, and then the second information When requesting the input, the information input of the client of the transfer card C2 is requested.

  Specifically, the control unit 10B (transaction processing unit 11B) of the second embodiment is for controlling which information input of the name of the name of the cash card C1 or the name of the client of the transfer card C2 is requested. Assume that the information input flag 111 is held (stored). In this embodiment, when the information input flag 111 is “0”, it is assumed that the control unit 10B (transaction processing unit 11B) requests information input of the holder of C1 of the cash card. When the information input flag 111 is “1”, the control unit 10B (transaction processing unit 11B) requests the information input of the holder of the cash card C1.

  Further, the control unit 10B (transaction processing unit 11B) updates (circularly updates) the value of the information input flag 111 each time an information input is requested. In the example of this embodiment, it is assumed that the initial value of the information input flag 111 is “0”. And control part 10B (transaction processing part 11B) will update information input flag 111 to "1", if information input flag 111 requests information input in the state of "0". When the information input flag 111 is “1” and the information input flag 111 is requested to input information, the control unit 10B (transaction processing unit 11B) updates the information input flag 111 to “0”. In addition, although this embodiment demonstrates the case where the information which requests | requires an input is 2 types, it seems that the control part 10B (transaction processing part 11B) requests | requires the input of any information among 3 or more types of information. It may be. For example, the control unit 10B (transaction processing unit 11B) selects (switches) one of three types of information using a predetermined method (for example, a round robin method or a random method) and requests input. Good.

(C-2) Operation of the Third Embodiment Next, the operation of the ATM 1 of the second embodiment having the above configuration will be described.

  FIG. 12 is a flowchart illustrating an example of an operation of a transfer transaction using the cash card C1 and the transfer card C2 in the ATM 1B of the third embodiment. In FIG. 12, the same reference numerals (step numbers) are given to the same operations (steps) as in FIG.

  Below, only the difference with 2nd Embodiment is demonstrated about ATM1B of 2nd Embodiment.

  In the flowchart of FIG. 12, steps S213 and S214 are different from those of the second embodiment in that steps S301 to S303 are replaced. Below, only operation | movement of step S301-S303 is demonstrated.

  When the confirmation key B101 is pressed on the transfer card information protection screen displayed in step S212, the control unit 10B (transaction processing unit 11B) of the second embodiment sets an item according to the value of the information input flag 111. A screen (information input screen in FIG. 9 or FIG. 10 described above) for requesting input of information (name of the name of the cash card C1 or the name of the requester of the transfer card C2) is displayed on the operation display unit 30 to input information. Accept (S301).

  Next, the control unit 10B (transaction processing unit 11B) updates the information input flag 111 (updates to a value different from the current value) (S302).

  Next, the control unit 10B (transaction processing unit 11B) performs a process of collating the information input in step S301 (collating with the name of the C1 holder of the cash card or the name of the client of the transfer card C2) (S303). The control unit 10B (transaction processing unit 11B), when the information input in step S301 matches the information to be verified (name of the name of the cash card C1 or the name of the client of the transfer card C2), the above-described step S208. If the information input in step S301 and the information to be collated do not match, the process proceeds to step S212 described above (the process proceeds to a process for requesting information input again). )

(C-3) Effects of Third Embodiment According to the third embodiment, the following effects can be achieved.

  The control part 10B (transaction processing part 11B) of 3rd Embodiment changes the content which requests | requires an input, every time it requests information input, when the holder of the cash card C1 and the client of the transfer card C2 are different. .

  As described above, when an unauthorized user of the transfer card C2 is unexpectedly requested to input information, it is necessary to temporarily stop the transaction, take out the cash card C1 and the transfer card C2 from the ATM 1, and confirm it. However, the control unit 10B (transaction processing unit 11B) of the third embodiment changes the type (item) of the information requesting input every time the information input is requested (accepted), and therefore the fraudulent use of the transfer card C2 The person needs to cancel the transaction a plurality of times and check the description of the card (cash card C1 or transfer card C2). Thereby, in ATM1B of 3rd Embodiment, the operation of the time longer than 2nd Embodiment can be made to the unauthorized user of transfer card C2. That is, in the ATM 1B of the third embodiment, the effect of reducing unauthorized use of the transfer card C2 can be improved as compared to the second embodiment.

(D) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

  (D-1) In the ATMs of the second and third embodiments, the case where repeated information input is requested until correct information is input has been described. However, the number of times of information input has reached a predetermined number (upper limit). The transaction may be stopped in some cases (when wrong information is input a predetermined number of times in succession). Further, in the ATMs of the second and third embodiments, when the number of times of information input reaches a predetermined number (upper limit number), the transaction using the transfer card C2 used for the transfer transaction may not be accepted. Good. Furthermore, in the ATMs of the second and third embodiments, when the number of times of information input reaches a predetermined number (upper limit number), the transaction using the cash card C1 or the transfer card C2 used for the transfer transaction thereafter is also performed. You may make it not accept a transaction.

  (D-2) In the example of each of the above embodiments, an example of performing a transfer transaction using a cash card and a transfer card in an ATM has been described, but the type of medium used for the transaction in the ATM of each of the above embodiments Is not limited. For example, in the above embodiment, the transfer card may be replaced with a transfer passbook (passbook dedicated to transfer).

  DESCRIPTION OF SYMBOLS 1 ... ATM, 10 ... Control part, 11 ... Transaction processing part, 12 ... Card control part, 20 ... Data recording part, 30 ... Operation display part, 40 ... Card processing part, 41 ... Cash card processing part, 42 ... Transfer card Processing part 50 ... Banknote deposit / withdrawal part 51 ... Banknote deposit / withdrawal slot 60 ... Coin deposit / withdrawal part 61 ... Coin deposit / withdrawal slot 70 ... Receipt printing part 71 ... Receipt ejection slot 111 ... Information input flag 401 ... Card insertion / ejection slot, 421 ... Data processing unit, 2 ... Host computer, C1 ... Cash card, C11 ... Magnetic stripe, C12 ... IC chip, C2 ... Transfer card, C21 ... Print area, C22 ... Magnetic stripe, N ... Network .

Claims (2)

A medium processing unit for accepting insertion of the first medium and the second medium;
Transaction processing is performed using the information on the first medium and the information on the second medium, and if the information on the first medium and the information on the second medium do not match, A transaction processing unit to cancel ,
The first medium is a cash card, the second medium is a transfer card,
The transaction processing unit cancels the transaction if the name of the first medium and the client name of the second medium do not match,
The transaction apparatus according to claim 1, wherein the information on the first medium and the information on the second medium are information acquired by the medium processing unit . It further has a display unit that displays information on transactions,
If the information on the first medium and the information on the second medium do not match, the transaction processing unit cancels the transaction and also displays the information on the first medium and the second medium on the display unit. The transaction apparatus according to claim 1, wherein information indicating that the information does not match is displayed.

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