JP7291671B2 - Automatic transaction device and address change method - Google Patents

Description

The present disclosure relates to an automatic transaction device and an address change method.

Since a financial institution such as a bank has an opportunity to send mail to a customer, when a customer changes his or her address, it is preferable to change the customer's address information held by the financial institution as soon as possible.

Patent Literature 1 discloses an automatic transaction device that prompts a customer to execute an address change transaction process for changing address information. In this technology, when a mail sent based on the customer's address information does not reach the customer, a flag indicating that the address information needs to be changed is registered in the host device of the automated teller machine. When the customer makes a transaction using the automatic transaction machine and the flag is registered in the host device, the automatic transaction machine prompts the customer to execute the address change transaction processing.

In addition, in the technique described in Patent Document 2, when a customer requests an automatic teller machine to perform address change transaction processing, address information is read from a certificate such as a driver's license, and the read address information is read. A technology is disclosed that notifies address information to a host device and causes the host device to change the address information.

Japanese Patent Application Laid-Open No. 2002-312829 JP 2006-251971 A

In the technology described in Patent Literature 1, the flag is registered after the event that the mail has not arrived at the customer. It takes a lot of time and effort.

Since the technology described in Patent Document 2 is based on the premise that the customer proactively performs the address change transaction, it is not possible to prompt the customer who does not proactively perform the address change transaction to perform the address change transaction. difficult.

An object of the present disclosure is to provide an automated teller machine and an address change method that enable even customers who do not voluntarily carry out address change transactions to easily carry out address change transactions.

An automatic transaction device according to one aspect of the present disclosure is an automatic transaction device connected to a host device that stores address information of a user as registered address information, and from a predetermined document, the user described in the document a reading unit for reading address information as current address information, and displaying a screen prompting presentation of the document during execution of a predetermined transaction process requested by the user, and displaying the current address information and the registered address information read by the reading unit. are different from each other, the controller changes the registered address information stored in the host device to the current address information.

According to the present invention, even a customer who does not voluntarily carry out an address change transaction can easily carry out the address change transaction.

1 is an overall configuration diagram showing an automatic transaction system according to an embodiment of the present disclosure; FIG. It is a block diagram which shows an example of a structure of ATM. It is a flow chart explaining an example of payment transaction processing. It is a flow chart explaining an example of address change transaction processing. It is a figure which shows an example of an address change transaction confirmation screen.

Hereinafter, embodiments of the present disclosure will be described with reference to the drawings.

FIG. 1 is an overall configuration diagram showing an automatic transaction system according to one embodiment of the present disclosure. The automatic transaction system 100 shown in FIG. 1 has an ATM (Automatic Teller Machine) 101 , an accounting system host 102 , a DB (Data Base) server 103 , a business server 104 and an operator terminal 105 . The ATM 101 and accounting system host 102 are interconnected via a communication network 111 . Also, the ATM 101 , business server 104 and operator terminal 105 are interconnected via a communication network 112 .

The ATM 101 is an automatic transaction device that is installed in a financial institution or the like and performs various transaction processing such as cash deposit transaction processing and cash withdrawal transaction processing by user (customer) operation. In addition, the ATM 101 is capable of processing transactions such as opening an account and depositing and withdrawing large amounts that require identity verification by reading identity verification data from identity verification documents, which are predetermined documents. Personal identification documents are, for example, identification documents such as driver's licenses, passports, and My Number cards.

The accounting system host 102 is a host device that stores user information about users, performs various processes according to requests from the ATM 101 , and returns the processing results to the ATM 101 . The user information includes account information indicating the account of the user, a personal identification number for authenticating the user, attribute information indicating attributes of the user, and the like. The attribute information includes user name information, address information, and the like.

The DB server 103, the business server 104, and the operator terminal 105 constitute an identity verification system that verifies the identity of the user. In this embodiment, the DB server 103 and the business server 104 are arranged on the cloud 121, and the operator terminal 105 is arranged in the BPO (Business Process Outsourcing) center 122, but this is just an example, and the arrangement location is limited. not.

The DB server 103 stores confirmation data necessary for personal identification of the business server 104 . When the business server 104 receives the identity verification request including the identity verification data from the ATM 101, it acquires the verification data corresponding to the identity verification request from the DB server 103 and transmits it to the operator terminal 105 together with the identity verification data. The terminal 105 is requested to confirm the identity. Then, when the DB server 103 receives the confirmation result of the personal identification from the operator terminal 105 , the confirmation result is returned to the ATM 101 .

The operator terminal 105 is a terminal used by an operator who performs identity verification. The operator terminal 105 confirms the identity of the user based on the identity confirmation data and the confirmation data in accordance with the request from the business server 104 , and returns the confirmation result to the business server 104 .

FIG. 2 is a block diagram showing an example of the configuration of the ATM 101. As shown in FIG. The ATM 101 shown in FIG. 2 includes an operation unit 201, a passbook mechanism unit 202, a line connection unit 203, a card/statement slip mechanism unit 204, a banknote deposit/withdrawal mechanism unit 205, a coin deposit/withdrawal mechanism unit 206, a customer information reading unit 207, a character It has a recognition unit 208 , a memory 209 and a control unit 210 .

The operation unit 201 has a display function for displaying various information and an input detection function for detecting information input by the user. For example, the operation unit 201 displays a guidance screen for the user to perform transaction processing, and detects payee information and the like necessary for the transaction processing. The operation unit 201 may include a display device and an input device such as a key input device separately. It is desirable to have an input display that In the following description, the operation unit 201 is assumed to be an input display unit.

The passbook mechanism unit 202 performs passbook processing for the user's passbook. The passbook processing includes, for example, receipt and discharge of the passbook, reading and writing to the magnetic stripe of the passbook, and printing on the passbook.

The line connection unit 203 is a communication unit that communicates with the accounting system host 102 and the business server 104 via the communication networks 111 and 112 .

The card/statement slip mechanism unit 204 performs card processing for a card such as a cash card for a user to perform transaction processing. Card processing includes, for example, accepting and ejecting cards, reading and writing to magnetic stripes or IC chips of cards, and reading embossed portions of cards. For example, the user's account information and the like are stored in the magnetic stripe and IC chip of the card.

The card/statement slip mechanism unit 204 also has a function of printing the details of transaction processing on a statement slip and discharging it as a statement slip.

The banknote deposit/withdrawal mechanism unit 205 and the coin deposit/withdrawal mechanism unit 206 are cash processing units that perform cash processing on cash. Specifically, the banknote deposit/withdrawal mechanism unit 205 performs cash processing for banknotes of cash, and the coin deposit/withdrawal mechanism unit 206 performs cash processing for coins among cash. Cash processing includes, for example, depositing, withdrawing, identifying, transporting and storing cash.

The customer information reading unit 207 and the character recognition unit 208 constitute a reading unit that reads personal identification data written on personal identification documents, which are predetermined documents.

The customer information reading unit 207 reads, as image data, the content described in the personal identification document. A character recognition unit 208 performs character recognition processing on the image data read by the customer information reading unit 207, and reads personal identification data from the image data. The identity verification data includes user identification information, name information, address information, and the like. In order to distinguish between the user's address information read by the character recognition unit 208 and the user's address information stored in the accounting host 102 described above, the user's address read by the character recognition unit 208 will be described below. The information is called current address information, and the user's address information stored in the accounting system host 102 is called registered address information.

Note that the identity verification data is not limited to character information, and may include image data such as a photograph of the face described in the identity verification document. Moreover, when ATM101 is equipped with the camera etc. which acquire the record of the user's operation with respect to ATM101 as an image|video, personal identification data may also contain the image|video acquired with the camera.

The memory 209 stores a program that defines the operation of the control unit 210, various information used in the processing of the control unit 210, and the like.

The control unit 210 controls the ATM 101 as a whole. The control unit 210 is, for example, a processor such as a CPU (Central Processing Unit), reads programs stored in the memory 209, and executes the read programs to perform various processes.

For example, the control unit 210 displays a guidance screen that prompts the user to present a personal identification document at a predetermined timing during execution of predetermined transaction processing requested by the user. After that, the control unit 210 transmits to the business server 104 an identity verification request for requesting identity verification based on the identity verification data read by the character recognition unit 208, and receives the result of the identity verification. At this time, if the identity verification is successful, the control unit 210 compares the current address information included in the identity verification data with the registered address information stored in the accounting system host 102 .

Then, if the current address information and the registered address information are different from each other, the control unit 210 interrupts the predetermined transaction processing and causes an address change transaction confirmation screen (see FIG. 5), which is a guidance screen prompting the user to change the registered address information. ) is displayed on the operation unit 201 . After that, when the operation unit 201 detects an instruction to change the registered address information, the control unit 210 changes the registered address information stored in the accounting system host 102 to the current address information, and returns to predetermined transaction processing.

The predetermined transaction process is, for example, a cash transaction process for dealing in cash, such as a withdrawal transaction process and a transfer transaction process. In this case, if the transaction amount (withdrawal amount, transfer amount, etc.) requested in the cash transaction process is equal to or greater than a predetermined amount, the control unit 210 may display a guidance screen prompting the presentation of an identity verification document. good. The predetermined amount may vary depending on the type of cash transaction transaction.

Next, an example of operation of the automatic transaction system 100 will be described. In the following, the predetermined transaction processing will be described by taking the withdrawal transaction processing as an example, but the predetermined transaction processing is not limited to the withdrawal transaction processing as described above.

FIG. 3 is a flow chart explaining an example of withdrawal transaction processing using the ATM 101, and FIG. 4 is a flow chart explaining an example of address change transaction processing using the ATM 101. As shown in FIG. Below, using FIGS. 3 and 4, the processing when the user requests the execution of the address change transaction processing, and the processing when the user requests the execution of the withdrawal transaction processing, and the address change transaction processing is performed during the process. The processing to be executed will be explained. Note that connectors A and B in FIGS. 3 and 4 correspond to each other. Specifically, connector A in FIG. 3 corresponds to connector A in FIG. 4, and connector B in FIG. 3 corresponds to connector B in FIG.

The operation unit 201 of the ATM 101 displays a transaction selection screen as an initial screen of a guidance screen for transaction operation. The transaction selection screen displays start buttons for requesting initiation of transaction processing for each of the plurality of transaction items corresponding to the plurality of transaction processing. Transaction items include, for example, "transfer", "passbook entry", "cash", "various transactions", "withdrawal", "deposit", "transfer", and "balance inquiry". Here, when the user selects "address change transaction" (presses the start button of "address change transaction"), the address change transaction processing in FIG. 4 is executed, and when "withdrawal" is selected ("withdraw ), the withdrawal transaction process of FIG. 3 is executed.

First, the address change transaction processing in FIG. 4 will be described below.

The address change transaction process is started when the operation unit 201 detects selection of "address change transaction" (step S401). In the address change transaction processing, first, the control unit 210 displays on the operation unit 201 a guidance screen prompting the user to insert the card. The user inserts the card into the card/statement mechanism unit 204 according to the guide screen (step S402). The card/statement mechanism unit 204 detects the insertion of the card and reads the account information from the card's magnetic stripe or IC chip. and. Control unit 210 displays on operation unit 201 a guidance screen prompting the user to enter a password. The user inputs the personal identification number into the operation unit 201 according to the guide screen (step S403).

When the operation unit 201 detects the input of the personal identification number, the control unit 210 generates an authentication request containing the account information read by the card/statement mechanism unit 204 and the personal identification number detected by the operation unit 201. 203 to the accounting system host 102 . Upon receiving the authentication request, the accounting system host 102 authenticates the card based on the authentication request and the information stored therein, and returns the authentication result to the ATM 101 . When line connection unit 203 of ATM 101 receives the authentication result, control unit 210 confirms the authentication result (step S404).

Assume here that the authentication has succeeded. In this case, the control unit 210 performs identity verification processing using identity verification documents (step S405).

In the identity verification process, the control unit 210 displays on the operation unit 201 a guidance screen prompting the presentation of identity verification documents. After that, when the customer information reading unit 207 and the character recognition unit 208 read the personal identification data, the control unit 210 transmits a personal identification request including the personal identification data to the business server 104 via the line connection unit 203. . Upon receiving the identity verification request, the business server 104 acquires verification data from the DB server 103 according to the identity verification request, and transmits it to the operator terminal 105 in addition to the identity verification request. Upon receiving the identity verification request, the operator terminal 105 performs identity verification based on the identity verification data and verification data included in the identity verification request. The operator terminal 105 then transmits the confirmation result to the AT 101 via the business server 104 .

Here, it is assumed that the personal identification process has succeeded. In this case, the control unit 210 displays a guidance screen that prompts the user to input the reading of the current address indicated by the current address information included in the personal identification data read in the personal identification processing in step S405 (here, input the reading in katakana). Displayed on the operation unit 201 . The user inputs the reading of the current address to the operation unit 201 according to the guide screen (step S406).

When the operation unit 201 detects the input of the reading of the current address, the control unit 210 displays on the operation unit 201 a guidance screen prompting confirmation of the current address information and the reading. The user confirms the current address information and the reading according to the guidance screen, and inputs confirmation to the operation unit 201 (step S407).

When the operation unit 201 detects an input indicating confirmation, the control unit 210 generates a registration request including the current address information and the pronunciation, and transmits the registration request to the accounting system host 102 via the line connection unit 203 . When the accounting system host 102 receives the registration request, it changes the user's registered address information and pronunciation stored therein to the current address information and pronunciation included in the registration request (step S408).

Control unit 210 determines whether or not other transaction processing is ongoing (step S409). Here, control unit 210 determines that other transaction processing is not ongoing. In this case, the control unit 210 controls the card/statement slip mechanism unit 204 to eject the card (step S410), and ends the process. In step S410, the control unit 210 may control the card/statement slip mechanism unit 204 to further discharge the statement slip.

Next, the withdrawal transaction processing of FIG. 3 will be described.

Withdrawal transaction processing is started when the operation unit 201 detects selection of "withdrawal" (step S301). In the withdrawal transaction process, first, the control unit 210 displays on the operation unit 201 a guidance screen prompting the user to insert the card. The user inserts the card into the card/statement mechanism unit 204 according to the guide screen (step S302). The card/statement mechanism unit 204 detects the insertion of the card and reads the account information from the card's magnetic stripe or IC chip. Then, the control unit 210 displays on the operation unit 201 a guidance screen prompting the user to enter the password. The user inputs the personal identification number into the operation unit 201 according to the guidance screen (step S303).

When the operation unit 201 detects the input of the personal identification number, the control unit 210 generates an authentication request containing the account information read by the card/statement mechanism unit 204 and the personal identification number detected by the operation unit 201. 203 to the accounting system host 102 . Upon receiving the authentication request, the accounting system host 102 authenticates the card based on the authentication request and the information stored therein, and returns the authentication result to the ATM 101 . When line connection unit 203 of ATM 101 receives the authentication result, control unit 210 confirms the authentication result (step S304).

Assume here that the authentication has succeeded. In this case, the control unit 210 displays on the operation unit 201 a guidance screen that prompts the input of the withdrawal amount. The user inputs the withdrawal amount number into the operation unit 201 according to the guidance screen (step S305).

When the operation unit 201 detects the input of the withdrawal amount, the control unit 210 determines whether personal identification is necessary based on the withdrawal amount (step S306). Specifically, the control unit 210 determines whether or not the withdrawal amount is equal to or greater than a predetermined amount. If it is less than the amount of , it is determined that identity verification is not necessary.

If personal identification is necessary, the control unit 210 performs personal identification processing using personal identification documents (step S307). The identity verification process is the same as the identity verification process described in step S405.

Here, it is assumed that the personal identification process has succeeded. In this case, control unit 210 generates a registered address acquisition request and transmits it to accounting system host 102 via line connection unit 203 . When receiving the registered address acquisition request, the accounting system host 102 returns the stored registered address information of the user to the ATM 101 (step S308).

When the line connection unit 203 of the ATM 101 receives the registered address information, the control unit 210 determines whether or not the registered address information matches the current address information read in the personal identification process of step S307 (step S309).

If the registered address information and the current address information do not match, the control unit 210 displays on the operation unit 201 an address change transaction confirmation screen (see FIG. 5), which is a guidance screen prompting execution of the address change transaction processing, The user is made to select whether or not to execute the address change transaction process (step S310).

When the operation unit 201 detects an operation not to execute the address change transaction processing, the control unit 210 controls the card/statement slip mechanism unit 204 to eject the card (step S311), and ends the processing. Note that in step S311, the control unit 210 may control the card/statement slip mechanism unit 204 to further discharge the statement slip.

On the other hand, when the operation unit 201 detects an operation for executing the address change transaction processing, the control unit 210 proceeds to step S406 of the address change transaction processing in FIG. After that, steps S407 and S408 are executed, and the current address information is registered in the account system host 102. FIG. Then, in step S409, the control unit 210 determines that another transaction process (that is, payment transaction process) is being continued, and the process of step S312 of the payment process in FIG. 3 is executed. Note that the process of step S312 is also executed when the identity verification is unnecessary in step S306.

The control unit 210 displays on the operation unit 201 a guidance screen prompting confirmation of the withdrawal amount (step S312).

When the operation unit 201 detects an operation indicating that the withdrawal amount has been confirmed, the control unit 210 generates a withdrawal permission request including the withdrawal amount and transmits it to the accounting system host 102 via the line connection unit 203 . When the accounting system host 102 receives the withdrawal authorization request, it performs withdrawal authorization processing for determining whether or not to permit withdrawal, such as comparing the balance with the withdrawal amount, and returns the processing result to the ATM 101. (Step S313).

When the line connection unit 203 of the ATM 101 receives the processing result, the control unit 210 confirms the processing result. Here, it is assumed that withdrawal is permitted. In this case, the control unit 210 controls the card/statement slip mechanism unit 204 to eject the card and the statement slip describing the details of the transaction (step S314). Then, the control unit 210 controls the banknote deposit/withdrawal mechanism unit 205 and the coin deposit/withdrawal mechanism unit 206 to discharge the cash equivalent to the withdrawal amount (step S315), and ends the process.

In the operation described above, if the identity confirmation processing in steps S307 and S405 fails, that is, if the identity cannot be confirmed, the control unit 210 ejects the card and terminates the withdrawal transaction processing and the address change transaction processing. Let At this time, the control unit 210 may display a screen on the operation unit 201 to the effect that the personal identification could not be obtained.

If the address change transaction processing is not executed in step S310, the control unit 210 ejects the card and terminates the processing, but displays a screen prompting the early execution of the address change transaction processing on the operation unit 201. Then, the process may proceed to step S312.

FIG. 5 is a diagram showing an example of the address change transaction confirmation screen displayed in step S310. The address change transaction confirmation screen 500 shown in FIG. 5 includes a message 501 prompting execution of the address change transaction processing, a start button 502 for executing the address change transaction processing, and a rejection button 503 for not executing the address change transaction processing. and In the example of FIG. 5, pressing the start button 502 corresponds to the operation of executing the address change transaction processing, and pressing the reject button 503 corresponds to the operation of not executing the address change transaction processing.

As described above, according to this embodiment, the reading unit including the customer information reading unit 207 and the character recognition unit 208 reads the user's address information written on the identification document as the current address information. The control unit 210 displays a screen that prompts the user to present a personal identification document during execution of a predetermined transaction process requested by the user. If the current address information read by the reading unit and the registered address information of the user registered in the accounting host 102 are different from each other, the control unit 210 reads the registered address information stored in the accounting host 102. to current address information.

Therefore, if the current address information and the registered address information described in the personal identification document are different, it is possible to change the registered address information to the current address information during the execution of transaction processing other than the address change transaction. Therefore, it becomes possible to easily execute an address change transaction even for a customer who does not voluntarily carry out an address change transaction.

Also, in this embodiment, the personal identification document is an identification document. The reading unit reads personal identification data including current address information. The control unit 210 requests the identity verification system (DB server 103, business server 104, and operator terminal 105) for identity verification based on the identity verification data read by the reading unit, and if the identity verification is successful, changes the registered address information. do. Therefore, it becomes possible to perform the address change transaction more accurately.

Further, in the present embodiment, the predetermined transaction processing is cash transaction processing for trading cash. The control unit 210 displays a screen prompting the presentation of an identity verification document when the transaction amount requested in the cash transaction process is equal to or greater than a predetermined amount. Therefore, when personal identification is required, such as when dealing with a large amount of cash, an address change transaction can also be performed, thereby reducing the stress associated with the address change transaction.

Further, in this embodiment, if the current address information and the registered address information are different, the control unit 210 displays a screen prompting the user to change the registered address information. If so, change your registered address information. Therefore, since it becomes possible to respect the intention of the user, it becomes possible to reduce the stress on the address change transaction.

The above-described embodiments of the present disclosure are illustrative examples of the present disclosure, and are not intended to limit the scope of the present disclosure only to those embodiments. Those skilled in the art can implement the present disclosure in various other forms without departing from the scope of the present disclosure. For example, part of the configuration may be deleted or replaced with another configuration, or another configuration may be added. Information such as programs, tables, and files for realizing the functions of the control unit 210 is stored not only in the memory 209, but also in recording devices such as hard disks and SSDs (Solid State Drives), IC (Integrated Circuit) cards, and SD cards. and a recording medium such as a DVD (Digital Versatile Disc).

DESCRIPTION OF SYMBOLS 101... ATM (automatic transaction apparatus), 102... Account host, 103... DB server, 104... Business server, 105... Operator terminal, 201... Operation part, 202... Passbook mechanism part, 203... Line connection part, 204... Card/ Detailed slip mechanism unit 205 Banknote deposit/withdrawal mechanism unit 206 Coin deposit/withdrawal mechanism unit 207 Customer information reading unit 208 Character recognition unit 209 Memory 210 Control unit

Claims (5)

An automatic transaction device connected to a host device that stores the user's address information as registered address information,
a reading unit that reads, from a prescribed document, the user's address information described in the document as current address information;
When the current address information and the registered address information read by the reading unit are different from each other, the higher-level device displays a screen prompting the presentation of the document during execution of predetermined transaction processing requested by the user. a control unit that changes the registered address information stored in the current address information to the current address information ,
The predetermined transaction processing is a cash transaction processing for trading cash,
The control unit displays a screen prompting presentation of the document when the transaction amount requested for transaction in the cash transaction process is equal to or greater than a predetermined amount, and displays the document when the transaction amount is less than the predetermined amount. automatic transaction device , which continues the cash transaction processing without displaying a screen prompting the presentation of . 2. The automated teller machine according to claim 1, wherein said documents are identification documents for certifying said user's identity. It is further connected to the identity verification system that verifies the identity of the user,
The reading unit reads personal identification data including the current address information,
3. The control unit according to claim 2, wherein the control unit requests the identity verification system based on the identity verification data read by the reading unit, and changes the registered address information when the identity verification is successful. Automatic trading device. When the current address information and the registered address information are different from each other, the control unit displays a screen prompting a change of the registered address information. The automatic transaction device according to claim 1, wherein the registered address information is changed. An address change method using an automated teller machine connected to a host device that stores address information of a user as registered address information,
During execution of cash transaction processing for cash transactions requested by the user, if the transaction amount requested in the cash transaction processing is equal to or greater than a predetermined amount, a screen prompting the presentation of predetermined documents is displayed. ,
Read the address information of the user described in the document from the document as the current address information,
if the current address information and the registered address information are different, changing the registered address information stored in the host device to the current address information;
An address change method, wherein when the transaction amount is less than the predetermined amount, the cash transaction processing is continued without displaying a screen prompting presentation of the document.

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