JP6878955B2 - ATMs, automated teller machines and automated teller machines - Google Patents

Description

The present invention relates to an automated teller machine, an automated teller machine and an automated teller program.

So-called automatic trading devices such as automated teller machines (ATMs) and cash dispensers (CDs) of financial institutions such as banks are, for example, transactions of inserted cash cards and credit cards. The information is read from a card, a transaction account passbook, or other medium on which information necessary for the transaction is recorded to acquire account data, and the account transaction process is executed.

Such an automated teller machine may perform processing such as identity verification using other identification information in addition to account data which is acquired from a cash card or the like and is information for identifying an account. As the other identification information, the identifier (trader identification data) as the user's own trader can be used instead of the transaction unit on the financial institution side. By using the trader identification data, the time required for the transaction can be shortened for both the financial institution and the trader. However, such identification information needs to be registered in advance with the financial institution or the like that conducts the transaction.

For example, Patent Document 1 discloses a branch office terminal that is installed at a bank branch office window and performs registration processing for associating a customer's digital certificate issuance number with an account number by the operation of a bank employee. Further, Patent Document 2 discloses a personal number management system having a registration means for registering the image data of a document and the personal number of the user while associating them with the identification information of the user.

Japanese Unexamined Patent Publication No. 2016-143285 Japanese Unexamined Patent Publication No. 2016-139326

In transaction processing using trader identification data registered in financial institutions, for example, as many users as possible are involved in order to strengthen transaction security and shorten the time required for various procedures. It is desirable to register trader identification data. For example, by registering specific trader identification data such as personal number, driver's license number, passport number, social insurance number, etc. in advance, it is assumed that the security of transactions can be strengthened and the procedure time can be shortened. To.

In addition, in conventional automated teller machines, the registration is often performed at a counter of a financial institution, etc., and the time zone in which the procedure can be performed is limited, and the procedure is complicated and time-consuming. One of the issues is that the flow of registration is unlikely to occur.

The present invention has been made in view of the above points, and recommends the registration and use of specific trader identification data when trading in an automated teller machine, improving the security of trading and shortening the time required for trading. It is an object of the present invention to provide an automated teller machine, an automated teller machine, and an automated teller program that enables it.

The automatic trading device of the present invention is an automatic trading device that controls account transaction processing with the trader via a trading account designated by the trader, and includes trading account identification information that specifies a trading account for each trader. An account data holding means that holds the corresponding relationship with the corresponding password as the first account data, a data importing means that captures the trading account specific information and the password specified according to the input operation, and the data acquisition means. A collation determination means for determining whether or not the correspondence between the transaction account identification information and the password captured in the data acquisition means matches the correspondence held in the account data holding means, and the correspondence. The data acquisition means includes a trader identification data requesting means for requesting operation input of at least one type of trader identification data corresponding to each of the traders when a match is determined. The data input by the input operation in response to the request is fetched as the trader identification data, and the account data holding means secondly sets the correspondence relationship between the trading account identification information and the fetched trader identification data. It is characterized in that it is retained as account data of.

The automatic trading system of the present invention is an automatic trading system that controls account transaction processing with the trader via a trading account designated by the trader, and includes trading account identification information that specifies the trading account for each trader. An account data holding means that holds the corresponding relationship with the corresponding password as the first account data, a data importing means that captures the trading account specific information and the password specified according to the input operation, and the data acquisition means. A collation determination means for determining whether or not the correspondence between the transaction account identification information and the password captured in the data acquisition means matches the correspondence held in the account data holding means, and the correspondence. The data acquisition means includes a trader identification data requesting means for requesting operation input of at least one type of trader identification data corresponding to each of the traders when a match is determined. The data input by the input operation in response to the request is fetched as the trader identification data, and the account data holding means secondly sets the correspondence relationship between the trading account identification information and the fetched trader identification data. It is characterized in that it is retained as account data of.

The automatic trading program of the present invention is a program to be executed by a computer of an automatic trading device that controls account transaction processing with the trader via a trading account designated by the trader, and the account data holding means is the trader. The first account data holding step that holds the correspondence between the trading account identification information that specifies each trading account and the corresponding password as the first account data, and the data acquisition means are input operations. The data acquisition step for importing the trading account identification information and the password specified accordingly, the correspondence between the transaction account identification information and the password imported in the data acquisition step by the collation determination means, and the account. When the collation determination step for determining whether or not the correspondence relationship held in the data retention step matches and the matching of the correspondence relationship is determined in the verification determination step, the trader identification data requesting means The trader identification data request step that requests the operation input of at least one type of trader identification data corresponding to each of the traders, and the data acquisition means respond to the request in the trader identification data request step. The trader identification data acquisition step of fetching the data input by the input operation as the trader identification data and the account data holding means are fetched in the trading account identification information and the trader identification data capture step. It is characterized in that the second account data holding step of holding the correspondence relationship with the trader identification data as the second account data is executed.

The automatic trading device of the present invention is an automatic trading device that controls account transaction processing with the trader via a trading account designated by the trader, and is trading account identification information that identifies the trading account designated by the trader. A trading account importing means for fetching, a trader identification data requesting means for requesting input of at least one type of trader identification data corresponding to the trader, and the trader using the data input in response to the request. A trader identification data importing means to be captured as identification data and an account data holding means for associating the trading account identification information with the captured trader identification data and holding the trader identification data as trader identification account data. It is characterized by being prepared.

It is a block diagram which shows the structure of the ATM which is the Example of this invention. It is a perspective view which shows the appearance of the ATM of FIG. It is a flowchart which shows the example of the transaction control routine of ATM of FIG. It is a flowchart which shows the example of the transaction control routine following FIG. It is a figure which shows the example of the display on the display of the ATM of FIG. It is a figure which shows the example of another display in the display of the ATM of FIG. It is a figure which shows the example of another display in the display of the ATM of FIG. It is a figure which shows the example of the display on the display of the ATM of FIG. It is a figure which shows the example of another display in the display of the ATM of FIG. It is a flowchart which shows a part of the example of the transaction control routine of FIG. It is a figure which shows the example of the display on the display of the ATM of FIG. It is a figure which shows the example of another display in the display of the ATM of FIG. It is a figure which shows the example of another display in the display of the ATM of FIG. It is a figure which shows the example of another display in the display of the ATM of FIG. It is a figure which shows the example of another display in the display of the ATM of FIG. It is a figure which shows the example of another display in the display of the ATM of FIG. It is a figure which shows the example of another display in the display of the ATM of FIG.

FIG. 1 shows the configuration of an ATM (Automated Teller Machine) 100 as an embodiment of the automated teller machine of the present invention. The configuration of the automatic trading system 200 including the ATM 100 is shown. The ATM 100 is installed in each branch of a financial institution, for example, and is connected to a host computer (hereinafter, also simply referred to as a host) 300 and a CRM server 400 of the financial institution, respectively.

As shown in FIG. 2, the ATM 100 has a prismatic housing. A user interface unit 14, a bill inlet / outlet 16, and a coin inlet / outlet 17 are provided on the top surface of the housing. In addition, the housing has a protruding portion protruding from one side of the top surface. The protrusion is provided with a passbook insertion / discharge port 19 and a card insertion / discharge port 21. Of the side surfaces of the housing, the side provided with the display portion is the front side, and the side provided with the protruding portion is the back side. A trader who uses the ATM 100 (hereinafter, also referred to as a user or a customer) can perform operations such as input from the user interface unit 14 and card insertion by standing on the front side of the ATM 100.

The operation of the ATM 100 shown in FIG. 1 is controlled by the control unit 11. The control unit 11 includes a display control unit 11A that controls the display of guidance, selection, and the like related to the transaction performed by the trader who operates the ATM 100. Further, the control unit 11 serves as a data acquisition means (or a transaction account acquisition means and a transaction identification data acquisition means) for acquiring information such as information input by the trader and information stored in the CRM server. The information acquisition unit 11B is provided. Further, the control unit 11 includes a collation determination unit 11C as a collation determination means for collating and determining information such as a personal identification number related to the transaction.

The communication unit 12 is a network adapter such as a NIC (Network Interface Card) for performing communication such as transmission / reception of data with the outside according to the instruction of the control unit 11. The communication unit 12 communicates with an external device such as a host computer 300 or a CRM server 400, which occurs in transaction control, for example.

The storage unit 13 is a storage device such as a hard disk, a flash memory, an SSD (Solid State Drive), a RAM (Random Access Memory), etc., which appropriately stores data necessary for the processing of the control unit 11 and data generated in the processing.

The user interface unit 14 is provided on the front surface of the ATM 100 as shown in FIG. The user interface unit 14 includes a display 14A as a display unit and a touch pad 14B as an input unit that covers the display surface of the display 14A.

Based on the operation display signal supplied from the control unit 11, the display 14A inputs various operation screens or transaction screens including messages, etc. (a transaction selection screen in which a trader or the like can select a transaction type, and input of transaction details. It consists of a display device (for example, a liquid crystal display device) that displays a transaction content reception screen (including a reception screen).

When the user touches the area corresponding to the content displayed on the display 14A, the touch pad 14B supplies an operation signal corresponding to the displayed content to the control unit 11 (for example, a pressure-sensitive type or an electrostatic type). ) It is a touch pad.

The cash entry / exit mechanism 15 opens / closes the shutters of the bill entry / exit 16 and the coin entry / exit 17 provided on the front surface of the ATM 100 in response to the open / close control signal supplied from the control unit 11. Further, the cash deposit / withdrawal mechanism 15 corresponds to the amount indicated by the cash withdrawal signal from the cash vault (not shown) in which banknotes or coins are stored in response to the cash withdrawal signal supplied from the control unit 11. The bills or coins are taken out and taken out to the bill inlet / outlet 16 and the coin inlet / outlet 17, respectively. Further, the cash deposit / withdrawal mechanism 15 takes in the bills or coins that the user has inserted into the bill inlet / outlet 16 or the coin inlet / outlet 17, and stores them in the cash hangar.

When the customer's passbook is inserted into the passbook insertion / discharging port 19 provided on the front surface of the ATM 100 as shown in FIG. 2, the passbook / bookkeeping machine 18 takes in the customer's passbook. At this time, the passbook entry machine 18 writes the transaction content indicated by the transaction result signal supplied from the control unit 11 and the execution date and time of the transaction in the customer's passbook. When the writing is completed, the passbook entry machine 18 discharges the customer's passbook from the passbook insertion / discharge port 19.

When the customer's transaction card is inserted into the card insertion / ejection port 21 provided on the front surface of the ATM 100 shown in FIG. 2, the card reading / printing machine 20 as the medium reading means takes in the transaction card and holds the transaction card. Read the information you are printing. This reading is performed by reading the embossing, magnetic stripe or IC chip of the transaction card.

The transaction card holds the card information. The card information includes, for example, information on the holder of the transaction card and transaction account identification information which is information for identifying an account of a financial institution such as a bank. That is, the transaction card holds information including the transaction account specific information of the trader who operates the ATM 100. The card reading / printing machine 20 supplies the read card information to the control unit 11.

Further, when the card ejection signal is supplied from the control unit 11, the card reading / printing machine 20 ejects the captured transaction card from the card insertion / ejection port 21. Further, the card reading / printing machine 20 prints the transaction result represented by the transaction details print signal on the statement slip sheet in response to the transaction details print signal supplied from the control unit 11. The statement slip is sent out from the card insertion / ejection port 21 together with the transaction card.

The image pickup input unit 22 as an image pickup input means is an image pickup device such as a scanner, and can acquire an image of a medium carrying trader identification data and a document such as an identity verification material. Further, the image pickup input unit 22 can supply the image pickup data, which is the information of the acquired image, to the control unit 11.

In addition to the card information, the ATM 100 can supply the trader identification data corresponding to each trader to the control unit 11. The trader identification data is input by, for example, the touch pad 14B and is fetched by the information fetching unit 11B.

The trader identification data may be, for example, an individual number and a corporate number stipulated in the Act on the Use of Numbers for Identifying Specific Individuals in Administrative Procedures (Number Act).
Further, the trader identification data may be a unique number, a symbol, or a combination thereof associated with each individual and a corporation.

For example, the trader identification data may be a driver's license number, a passport number, a health insurance card number, a resident's card code, a social security number, or the like. The trader identification data may be an identifier as a user's own trader, not as an identifier as a trading unit on the side of a specific financial institution.

In this embodiment, a case where an individual number (my number) stipulated in the Act on the Use of Numbers for Identifying a Specific Individual in Administrative Procedures (Number Act) is used as the trader identification data will be described as an example. ..

The control unit 11 transmits the account identification information supplied from the card reading / printing machine 20 to the CRM server 400, and requests the CRM server 400 for customer information (first account data) corresponding to the account identification information. The first account data is stored (retained) in the customer information database (DB) 400A in the CRM server 400 as the account data holding means. In addition, the account data is held as a correspondence relationship between the transaction account identification information for each trader and the corresponding password.

The display control unit 11A controls the display 14A to display a screen such as a transaction type selection screen related to the transaction. For example, the display control unit 11A causes the display 14A to display a selection screen on which a transaction can be selected by an input operation of the trader via the touch pad 14B. Further, the display control unit 11A causes the display 14A to display information on the selected transaction such as a predetermined transfer destination and a transfer fee based on the customer information.

The information acquisition unit 11B imports information such as account identification information, PIN, trader identification data, and other information indicating the selected transaction type. The information acquisition unit 11B acquires the information input by the transaction card, the touch pad 14B, or the like.

The collation determination unit 11C determines whether or not the personal identification number included in the account data from the CRM server 400 and the personal identification number input by the touch pad 14B match. Further, the collation determination unit 11C satisfies the condition that the data is the trader identification data when the information acquisition unit 11B captures the data input by the touch pad 14B as the trader identification data, for example. Judge whether or not. For example, when it is determined that the condition for being the trader identification data is satisfied, the correspondence between the trader identification data and the account identification information is the second account data (trader identification account data). For example, it is held in the CRM server 400.

3 and 4 are flowcharts showing the transaction control routine R1 executed by the ATM 100. The control unit 11 executes the transaction control routine R1 when, for example, the power is turned on. A motion sensor or the like may be provided in the ATM 100 so that the transaction control routine is executed when it is detected that the customer has approached the ATM 100.

As shown in FIG. 3, in step S1, the display control unit 11A of the control unit 11 causes the display 14A to display a transaction type selection screen (hereinafter, also referred to as a reception guidance screen or a reception screen). The transaction type selection screen displayed in step S1 prompts the trader to select and input the desired transaction as shown in FIG. 5A, for example, and to register the My Number registration to register the trader identification data (My Number). This is the display screen.

On the display screen of FIG. 5A, when a transaction such as "deposit" or "withdrawal" is selected, a normal transaction selection button group A1 (in the figure) for displaying a screen operated by the customer when conducting a transaction (in the figure). (Inside the broken line) is displayed. Further, on the display screen of FIG. 5A, a "My Number registration" button A2 is prepared as a button for transitioning to the screen to be operated when the customer who operates the ATM 100 registers the My Number.

After executing step S1, the control unit 11 determines whether or not the transaction type has been selected (step S2). Specifically, the control unit 11 determines whether or not any button of the normal transaction button group A1 or the "My Number registration" button A2 (FIG. 5A) is pressed via the touch pad 14B.

When the control unit 11 determines in step S2 that the transaction type has been selected (step S2: YES), the control unit 11 displays a screen prompting the trader to insert the card via the display control unit 11A (step S3). In step S3, the display control unit 11A causes the display 14A to display, for example, a card insertion request screen as shown in FIG. 5B.

When the control unit 11 determines that the transaction type is not selected on the display screen as shown in FIG. 5A (step S2: NO), the control unit 11 returns to step S1 and causes the display 14A to display the transaction type selection screen again.

After executing step S3, the control unit 11 determines whether or not the card information has been imported into the information acquisition unit 11B (step S4). In step S3 and step S4, the information acquisition unit 11B functions as a data acquisition unit or a trading account acquisition means.

When the control unit 11 determines in step S4 that the card information has been captured (step S4: YES), for example, a screen (password input screen) prompting the trader to input the password as shown in FIG. 5C. Is displayed on the display 14A (step S5).

When the control unit 11 determines in step S4 that the card information has not been captured (step S4: NO), the control unit 11 returns to step S3 and causes the card insertion request screen to be displayed on the display 14A again.

After executing step S5, the control unit 11 determines whether or not the password corresponding to the card information has been input. That is, it is determined whether or not the personal identification number corresponding to the trading account specified by the account identification information included in the card information has been entered.

More specifically, in the account data stored in the customer information DB 400A in the CRM server 400, the correspondence between the transaction account identification information and the corresponding PIN code, and the transaction account identification information specified by the card information. The collation determination unit 11C determines whether or not the correspondence with the input password and the password match.

When the control unit 11 determines in step S6 that the password corresponding to the card information has not been captured (step S6: NO), the control unit 11 returns to step S5 and causes the display 14A to display the password input request screen again. ..

When the control unit 11 determines in step S6 that the personal identification number corresponding to the card information has been fetched (step S6: YES), as shown in FIG. 4, the control unit 11 corresponds to the account specified by the card information. It is determined whether or not the number is registered (step S7).

When the control unit 11 determines in step S7 that the My Number corresponding to the account is not registered (step S7: NO), the control unit 11 executes the My Number registration routine (step S8). In the My Number registration routine, the My Number is registered by being stored in the customer information DB 400A in the CRM server 400 as an account data holding means. In the registration of the My Number, the correspondence between the trading account identification information of the trader and the entered My Number is saved as the second account data.

After executing step S8, the control unit 11 determines whether or not to start trading (step S9). The determination in step S9 may be performed based on, for example, a selection button for whether or not to start a transaction is displayed on the display 14A, and the result of the selection input is used. Further, the determination in step S9 may be performed based on the transaction type selected in step S1. For example, if any of the transactions is selected in step S1, it may be determined that the transaction is started in step S9. Further, when "My Number Registration" is selected in step S1, it may be determined that the transaction is not started in step S9.

In step S9, the control unit 11 determines that the transaction is to be started (step S9: YES) and determines whether or not the transaction is permitted (step S10). The determination in step S10 may be performed, for example, by the collation determination unit 11C determining whether or not the host 300 has permitted the transaction by communicating with the host 300. Further, in the determination of step S10, for example, when the My Number is registered at the time of starting the transaction (that is, at the start of step S10), the collation determination unit 11C determines that the transaction is permitted. May be done by.

When the control unit 11 determines in step S9 that the transaction is not started (step S9: NO), the control unit 11 ends the control routine R1.

When the control unit 11 determines in step S10 that the transaction is permitted (step S10: YES), the control unit 11 executes the transaction process according to the transaction type (step S11). For example, when the transaction is a "withdrawal", the cash deposit / withdrawal mechanism 15 is made to take out banknotes or coins corresponding to the amount of money included in the transaction contents from the cash hangar (not shown), and the banknote inlet / outlet 16 and It is led out to the coin inlet / outlet 17.

When the control unit 11 determines in step S7 that the My Number corresponding to the account is registered (step S7: YES), the control unit 11 displays a screen requesting the operation input of the My Number on the display 14 (step S12). .. The display of the My Number input request screen is performed by displaying the numeric keypad as shown in FIG. 5D, for example.

After the execution of step S12, when data is input according to the request display in step 12, the control unit 11 determines whether or not the input data matches the already registered My Number. (Step S13). More specifically, in step S13, the collation determination unit 11C has a correspondence relationship between the account registered (saved) as the second account data and My Number (trader identification data), and the account specified by the card. It is determined whether or not the correspondence with the input My Number (trader identification data) matches.

When the control unit 11 determines in step S13 that the My Number matches the registered My Number, the control unit 11 proceeds to step S11 and executes the transaction process according to the transaction type. After that, the transaction termination process is executed (step S15), and the control routine is terminated. This termination process may be, for example, a process of having the card reader / printing machine 20 print a statement slip describing the contents of the transaction and ejecting it, or a process of ejecting the transaction card from the card insertion / ejection port 21.

If the control unit 11 determines in step S13 that the My Number does not match the registered My Number, the control unit 11 causes the display 14A to display a screen indicating that it cannot be handled, that is, that the transaction cannot be executed (step S14). In step S14, for example, a screen as shown in FIG. 5E is displayed on the display 14A. After that, a transaction termination process such as card ejection is executed (step S15), and the control routine is terminated.

Even if it is determined in step S10 that the transaction is not permitted (step S10: NO), the control unit 11 displays that it cannot be handled (step S14), executes the transaction termination process (step S15), and controls it. End the routine.

The My Number registration routine will be described with reference to FIG. When the My Number registration routine is started, the control unit 11 displays a screen requesting the registration of the My Number (step S21). In step S21, the display control unit 11A causes the display 14A to display, for example, the My Number registration request screen as shown in FIG. 7A. On the My Number registration request screen, for example, a button for prompting selection such as "register", "not register", or "registered" is displayed.

After executing step S21, the control unit 11 determines whether or not "register" is selected (step S22). In step S22, the control unit 11 determines whether or not the "register" button has been pressed via the information acquisition unit 11B and the touch pad 14B.

When the control unit 11 determines in step S22 that the "register" button has been selected (step S22: YES), the control unit 11 displays a screen requesting the input of the My Number on the display 14A (step S23). In step S23, the display control unit 11A and the user interface unit 14 function as trader identification data requesting means. In step S23, for example, the My Number input request screen as shown in FIG. 7B is displayed on the display 14A.

When the control unit 11 determines in step S22 that the "register" button is not selected (step S22: NO), the control unit 11 displays that it cannot be handled (step S14), and executes the termination process (step S15). ) After that, the control routine is terminated. For example, it may be possible that all transactions cannot be handled, and it may be displayed that the transaction selected by the trader cannot be handled.

In step S23, when a number is input according to the request screen, the control unit 11 determines whether or not the input number is My Number (step S24). More specifically, whether or not the input number satisfies the requirements defined in My Number is determined by the collation determination unit 11C as the identifyr data determination means.

For example, the determination may be made by calculating an inspection number (check digit) using the formula specified in Article 5, Article 85 of the Ordinance of the Ministry of Internal Affairs and Communications. More specifically, the inspection number is calculated using the 11-digit number excluding the last number among the entered 12-digit numbers, and the calculated inspection number and the end of the entered number are calculated. You may judge whether or not it matches the number of. Even when the trader identification data is an identifier other than My Number, it may be determined whether or not the trader identification data is the designated trader identification data according to the criteria set for each. For example, the determination may be made according to a criterion such as the number of letters of the alphabet or the number of digits of the number included in the identifier.

When the control unit 11 determines in step S24 that the input number is not my number (step S24: NO), for example, it indicates that it is not my number as shown in FIG. 7D, and prompts the input again. The screen is displayed on the display 14A.

In step S24, the control unit 11 determines that the input number is the My Number (step S24: YES), and determines whether or not the input My Number has already been registered (step S25). ..

When the control unit 11 determines in step S25 that the input My Number is registered (step S25: YES), the control unit 11 ends the My Number registration routine. If it is determined that the entered My Number is registered, for example, the My Number input request screen may be displayed again to prompt the user to select whether or not to register another My Number. good. In this case, for example, it is possible to register the My Numbers of a plurality of people for one account.

When the control unit 11 determines in step S25 that the input My Number is not registered (step S25: NO), the control unit 11 displays a confirmation screen and whether or not to register the input My Number. (Step S26).

After executing step S26, the control unit 11 determines whether or not the registration "confirmation" button has been pressed (step S27). In step S27, for example, a registration confirmation screen as shown in FIG. 7C is displayed on the display 14A.

When the control unit 11 determines in step S27 that the registration "confirmation" button has been pressed, the control unit 11 executes the My Number registration process (step S28). In the My Number registration process, the correspondence between the My Number as the input trader identification data and the trading account identification information specified by the card information is the second account data as the account data holding means. It is held in the CRM server 400. In steps S23 to S28, the information acquisition unit 11B functions as a data acquisition means or a trader identification data acquisition means.

After executing step S28, the control unit 11 displays a screen indicating the completion of registration as shown in FIG. 7E on the display 14A, and ends the My Number registration routine.

If the control unit 11 determines in step S27 that the registration "confirmation" button has not been pressed, the control unit 11 displays that it cannot be handled (step S14) and executes end processing (step S15), and ends the control routine.

When the control unit 11 determines that the My Number corresponding to the account is not registered (step S7), the control unit 11 may execute the transaction first and execute the My Number registration routine after the transaction is completed.

Further, when the control unit 11 determines that the My Number corresponding to the account is not registered (step S7), the control unit 11 does not execute the My Number registration routine, but registers by means other than the automated teller machine such as a counter. The guidance screen may be displayed on the display 14A. For example, as shown in FIG. 8A, character information such as "Please register my number at the counter" may be displayed on the display 14A.

Further, the control unit 11 may execute the transaction even if the My Number is not registered, or may not execute the transaction if the My Number is not registered, depending on the selected transaction type. For example, when "Do not register" is selected in the My Number registration routine (step S22 in FIG. 6), the "deposit" process may be executed and the "withdrawal" process may not be executed.

In this control routine, it has been described that the My Number is input by the Touch Bad 14B and the information acquisition unit 11B captures the My Number, but the My Number is fetched via the My Number card or the My Number notification card. Is also good. For example, the card reader / printer 20 or a contactless IC card reader / writer (not shown) reads the information recorded on the IC chip of the My Number card, and in some cases decrypts the encrypted information. , You may import my number. Further, the image of the My Number notification card or the image of the My Number card may be captured by the image pickup input unit 22.
For example, as shown in FIG. 8B, a screen requesting the insertion of the Individual Number Card may be displayed.

As described in detail above, according to the automatic trading system 200 including the ATM 100 of the present embodiment, it is possible to register the My Number, which is specific trader identification data, at the time of trading in the ATM 100, and the My Number can be registered. You can recommend trading using My Number. The registration and recommendation of use can be made by determining the presence or absence of the registration, and the registration and use by more traders can be promoted with high efficiency.

Therefore, according to the automatic trading system 200 including the ATM 100 of the present embodiment, the trader identification data can be easily registered in a financial institution or the like, the security of the transaction can be improved, and the time required for the transaction can be shortened. Become.

In the above embodiment, the customer information DB 400A is provided in the CRM server 400, but the customer information DB 400A may be provided in the ATM 100. Further, the customer information DB 400A may be provided in the host computer 300.

Further, in the above embodiment, an example in which the host computer 300 identifies the trading account specific information, determines the password, determines whether or not the information is the trader identification information, and determines the transaction permission has been described. The identification of the trading account specific information, the personal identification number, the trader identification information, and the determination of the transaction permission may be performed at the ATM 100. In this case, the customer information DB 400A is provided in the ATM 100, and the ATM 100 can execute the control routine without receiving the account data from the outside.

Further, although the explanation has been given using an ATM as an example, the above configuration and transaction control routine can also be applied to an automatic trading device such as an automated teller machine and an automatic trading system other than an ATM.

The various configurations and control routines in the above-described embodiment are merely examples, and can be appropriately selected and changed according to the intended use and the like.

In the above embodiment, as the trader identification data, "My Number" has been described as an example. However, the trader identification data is not limited to this, and may be, for example, a corporate number stipulated in the Act on the Use of Numbers for Identifying Specific Individuals in Administrative Procedures (Number Act). Further, the trader identification data may be data other than the above-mentioned My Number or Corporate Number, and may be a unique number, symbol, or a combination thereof associated with each individual and a corporation.

For example, the trader identification data may be a driver's license number, a passport number, a health insurance card number, a resident's card code, a social security number, or the like. The trader identification data may be an identifier as a user's own trader, not as an identifier as a trading unit on the side of a specific financial institution.

The trader identification data is information recorded on an IC chip about media such as My Number Card, My Number Notification Card, License, Passport, etc., which are media carrying trader identification data, in addition to input by Touch Bad 14B. Alternatively, it may be captured by reading a code such as a QR code (registered trademark) or acquiring imaging data (imaging input). In addition, the information regarding the medium carrying the trader identification data captured by the reading or the imaging input can be used as the identity proof material of the trader.

As described above, according to the automated teller machine, the automated teller machine, and the automated teller program of the present invention, in addition to the identifier defined by the financial institution, it is personal data that is not inherently involved in the financial institution. By utilizing the trader identification data, it is possible to register specific trader identification data and promote an increase in the number of traders who register the specific trader identification data. Therefore, it is possible to provide an automated teller machine, an automated teller machine, and an automated teller program that improve the security of transactions and reduce the time required for transactions.

100 ATM
200 Automatic trading system 300 Host computer 400 CRM server 400A Customer information database 11 Control unit 11A Display control unit 11B Information acquisition unit 11C Collation judgment unit 12 Communication unit 13 Storage unit 14 User interface unit 14A Display 14B Touch pad 20 Card reader / printer 21 Card insertion / ejection port 22 Imaging input

Claims (13)

An automated teller machine that controls account transaction processing with the trader via the trading account specified by the trader.
An account data holding means that holds the correspondence between the trading account identification information that identifies the trading account for each trader and the corresponding PIN as the first account data.
Data acquisition means for importing transaction account identification information and PIN specified according to the input operation,
A collation determination means for determining whether or not the correspondence between the transaction account identification information and the password captured in the data acquisition means matches the correspondence held in the account data retention means.
When it is determined that the correspondences match, at least one type of trader identification data corresponding to each of the traders is specified, and the trader identification that requests the operation input of the designated type of trader identification data. With data request means,
The data acquisition means captures the data input by the input operation in response to the request as the trader identification data.
The account data holding means holds the correspondence between the trading account identification information and the imported trader identification data as second account data.
The automatic teller machine calculates a value for determination based on the trader identification data fetched by the data acquisition means, and uses the value for determination to generate the captured trader identification data. A trader identification data determination means for determining whether or not the data is the specified type of trader identification data is provided.
The account data holding means automatically holds the second account data when it is determined that the captured trader identification data is the trader identification data of the designated type. Trading equipment. The collation determination means determines whether or not the account data holding means holds the second account data, and determines whether or not the account data holding means holds the second account data.
When it is determined that the second account data is not retained,
The automated teller machine according to claim 1, wherein the trader identification data requesting means requests an operation input of at least one type of trader identification data. The collation determination means determines whether or not the account data holding means holds the second account data, and determines whether or not the account data holding means holds the second account data.
The automated teller machine according to claim 1 or 2, further comprising an account transaction processing execution means for executing the account transaction processing when the retention of the second account data is determined. When the account data holding means holds the second account data at the time of starting the transaction,
The trader identification data requesting means requests the operation input of the trader identification data, and
The data acquisition means acquires data input as trader identification data by an input operation in response to the request.
The collation determination means has a correspondence relationship between the captured trading account identification information and the password, the captured trading account identification information, and the data input as the captured trader identification data, and the account. It is determined whether or not the correspondence between the first account data held in the data holding means and the second account data held in the account data holding means match.
The automated teller machine according to any one of claims 1 to 3, further comprising an account transaction processing execution means for executing the account transaction processing when a match of the correspondence is determined. The collation determination means determines whether or not the trader identification data has been imported into the data acquisition means, and when it is determined that the trader identification data has not been imported, the account transaction processing. The automated teller machine according to any one of claims 1 to 4, wherein the automatic teller machine is not started or stopped. According to any one of claims 1 to 5, the trader identification data is one or more identification data selected from a plurality of types of identification data corresponding to each of the traders. The automated teller machine described. The trader identification data requesting means requests selection input for one or more types of transactions, and requests input.
The collation determination means according to any one of claims 1 to 6, wherein the collation determination means determines whether or not to execute the account transaction processing according to the transaction type selected in response to the request. Automatic teller machine. It has an input unit and a medium reading means, and has
Claims 1 to 1, wherein the acquisition of the trader identification data is performed by importing input operation information via an input unit and reading electronic data or a code carried on a medium via a medium reading means. The automated teller machine according to any one of 7. An imaging input means for imaging a medium holding the trader identification data and supplying the imaging data of the medium to the data acquisition means is provided.
The automated teller machine according to any one of claims 1 to 8, wherein the second account data includes imaging data of the medium. An imaging input means for imaging a medium holding the trader identification data and supplying the imaging data of the medium to the data acquisition means is provided.
The automated teller machine according to any one of claims 1 to 9, wherein the acquisition of the trader identification data is performed by importing the imaging data supplied from the imaging input means. The automated teller machine according to any one of claims 1 to 10, wherein the trader identification data is the individual number or corporate number of the trader. An automatic trading system that controls account transaction processing with the trader via the trading account specified by the trader.
An account data holding means that holds the correspondence between the trading account identification information that identifies the trading account for each trader and the corresponding PIN as the first account data.
Data acquisition means for importing transaction account identification information and PIN specified according to the input operation,
A collation determination means for determining whether or not the correspondence between the transaction account identification information and the password captured in the data acquisition means matches the correspondence held in the account data retention means.
When it is determined that the correspondences match, at least one type of trader identification data corresponding to each of the traders is specified, and the trader identification that requests the operation input of the designated type of trader identification data. With data request means,
The data acquisition means captures the data input by the input operation in response to the request as the trader identification data.
The account data holding means holds the correspondence between the trading account identification information and the imported trader identification data as second account data.
The automatic trading system calculates a value for determination based on the trader identification data fetched by the data acquisition means, and uses the value for determination to generate the fetched trader identification data. A trader identification data determination means for determining whether or not the data is of the specified type of trader identification data is provided.
The account data holding means automatically holds the second account data when it is determined that the captured trader identification data is the trader identification data of the designated type. Trading system. The automatic trading system according to claim 12.
Including at least one automated teller machine
The collation determination means determines whether or not the account data holding means holds the second account data, and determines whether or not the account data holding means holds the second account data.
When it is determined that the second account data is not retained,
The trader identification data requesting means of the automated teller machine is an automated teller machine that requests operation input of the trader identification data by other means other than the automated teller machine in the automated teller machine.

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