JPH02297289A - Card transaction processing system - Google Patents

Abstract

PURPOSE:To attain an unmanned window processing system and to improve a customer service by storing the print of seal of a customer's seal or signature in a card, and printing print of seal data on a passbook by reading out from the card when a processing to open an account is performed. CONSTITUTION:When an account open processing is selected and a password is inputted, it is checked whether or not an inserted password coincides with the password stored in the card 21. When the password coincides with the one stored in the card and the opening of a card account is selected, a new passbook is introduced to a passbook print part by sending a signal representing the permission of the opening of the account from a center, and printing similar as the one in a new transaction is performed. Next, a page on which a column of 'registered seal' exists is set, and the print of seal data stored in the print of seal data storage part 23 of an inserted card is printed at the column of 'registered seal', then, it is ejected. Thereby, the print of seal data can be read out from the optical card 21 inserted from a card insertion opening 3, and the print of seal is printed on the new passbook.

Description

DETAILED DESCRIPTION OF THE INVENTION Field of Industrial Application This invention relates to a card transaction processing system comprising a transaction processing device such as an ATM installed in a financial institution such as a bank and a card medium used therein.

(b) Conventional Technology Magnetic cards, which are generally used as card media in card transaction processing systems, have a small storage capacity and can only store the store number and password of the store that issued the card, as well as the date and time of the card. For this reason, it has been impossible to perform complex transaction processing using card media. Therefore, card transaction processing systems using optical cards or IC cards with sufficient storage capacity as card media have been proposed. In such a transaction processing system, data such as transaction history and deposit balance can be written to an optical card or an IC card each time a transaction process is completed.

(C) Problems to be Solved by the Invention However, in the above-mentioned conventional card transaction processing systems, only character data is stored on a card with sufficient storage capacity, and there is no system that stores graphic data. Ta. For this reason, it is not possible to use the data stored on the card to display the seal imprint on the passbook, which is required when opening a new account, and a seal is required when opening a new account. did. This also applies to cases in which the customer's identity is verified by signing at a counter, and account opening processing is performed exclusively manually at the counter. For this reason, it was not possible to include the process of opening a new account in the transaction process using the card as a medium.

The purpose of this invention is to make it possible to write a figure for identification on a passbook using the graphic data of a seal or signature stored on a card, and to enable new accounts to be opened by transaction processing using the card as a medium for counter operations. The purpose of the present invention is to provide a card transaction processing system that can realize unmanned operation and improve customer service.

(Means for Solving Problem d1) The card transaction processing system of the present invention is a card transaction processing system that processes a transaction via a card medium inserted into a transaction processing device. The present invention is characterized in that the transaction processing device is provided with a seal imprint data storage section for storing the seal imprint data storage section, and a seal imprint printing means for printing the graphic data stored in the seal impression data storage section at a predetermined position of the bankbook during account opening processing.

(e) Function The function of the present invention will be explained with reference to FIG. 1. The stamp data stored in the stamp data storage section of the card inserted into the transaction processing device is read by the stamp data reading section of the stamp printing means. It will be done. The stamp data read by the stamp data reading section is supplied to the stamp data printing section, and the stamp data printing section prints the stamp data at a predetermined position on the passbook. Therefore, there is no need for a counter process using a seal or signature to inscribe a seal impression on a passbook, which is required when opening an account.

(f) Embodiment FIG. 2 is an external view of an automatic teller machine (ATM) that constitutes a part of a card transaction processing system that is an embodiment of the present invention.

There is a passbook insertion slot 2 on the vertical operation panel on the front of the ATMI.
A banknote deposit/withdrawal port 4, a CRT 5, and a coin deposit/withdrawal lower are provided on the horizontal operation panel surface where the card insertion slot 3 is provided. The CRT 5 displays the functions and operating procedures of the ATMI, and also displays the input key that the customer should press. A transparent touch panel switch 6 is installed on the surface of this CRT 5.
Pressing of various keys displayed on T5 is detected.

FIG. 3 is a block diagram of the control section of the ATM, and the main control section is controlled by the CPU 40. A main memory 41 including a RAM and a floppy disk control section 43 are connected to the main CPU 40. A floppy disk control section 43 controls reading/writing of a dump floppy disk (FD) 44 connected thereto. The main CPU 40 communicates with the center host computer via the communication control section 45.

Further, the main CPU 40 is connected to each sub-control unit via an internal bus. This sub-control unit is the customer service control unit 4
6. It consists of a bill turnout control section 47, a card reader control section 48, a bankbook printing control section 49, and a coin turnout control section 50, and each control section is equipped with a sub CPU. The customer service control unit 46 is CR
A zero banknote turnout control unit 47 and a coin turnout control unit 50, which control the guidance display of operating procedures and the input data input on the display screen of T5, control the deposit and withdrawal of banknotes and coins. The card reader control unit 48 has a card reader 11
is connected to the card slot 3 to control the reading of data recorded on the card inserted into the card insertion slot 3. The print head 12 is connected to the bankbook printing control section 49, and controls printing of transaction details and graphic printing of a seal impression on the bankbook inserted into the bankbook insertion slot 2.

FIG. 4 is a plan view of a card constituting the card transaction processing system of the present invention.

On the surface of the optical card 2.1, there is a KD data storage unit 2 that stores ID data that proves the identity of the card owner.
The data storage unit 22 is configured as shown in FIG. 5, and has a name storage area of 64 bytes and a 256-byte name storage area. An address storage area of 16 bytes, a telephone number storage area of 16 bytes, an occupation storage area of 64 bytes, a password storage area of 16 bytes, and a spare storage area of 96 bytes are configured in this order. Further, the seal impression data storage section 23 has a storage area of 100 bytes. In this seal imprint data storage unit 23, the image of the seal imprint is stored in 640×4
It is stored in a matrix of 00 dots, and each dot is given four shades of light and shade. Therefore, three bits are assigned to each dot including white and black. Note that in a card having a sufficient storage capacity, a storage section for storing data such as transaction history may be provided in addition to the 10 data storage section 22 and the seal impression data storage section 23.

FIG. 6 is a flowchart showing a part of the processing procedure of the ATM.

The main CPU 40 waits for selection of transaction processing (nl),
When a transaction process is selected by the customer, the content of the selected transaction process is determined. 0 If account opening process is selected, the customer inserts a card and inputs a PIN number (n2-on3, n4) If account opening processing is not selected, execute other processing. When the PIN number is input, the PIN stored in the ID data storage section of the inserted card is read out (n5), and it is checked whether it matches the input PIN number (n6).
- If the input PIN number does not match the PIN number stored on the card, the card is returned and a display prompting the user to perform the operation again is displayed (n6-n7 to n9).

If the manually entered PIN matches the PIN stored on the card, check whether opening a card insertion slot has been selected (nlO). What is the selection of this Cardro account? , is a selection of whether or not a separate card is required for the newly opened account.If a Cardro account is selected, it waits for the input of the card PIN number for the new account (nil) , After this, the inserted cash is counted and the amount is confirmed and displayed (n12 to n14), and I
Personal data such as name, address, telephone number, and occupation stored in the D data storage unit is read (n15). Next, a message to the effect of opening an account is edited and sent/received to/from the center (n16, n17). This message includes the personal data read in n15.

When the center sends a signal to allow account opening,
Guide the new passbook to the passbook printing section and print the new passbook (n18→n25). Next, set the page with the "Delivery stamp" column, and the stamp will be stored in the stamp data storage section of the inserted card. The stamp data is printed in the "Delivery Stamp" column and released (n27 to n30). In the above n27
is the process of the seal imprint data reading section shown in FIG. 1, and n28 is the process of the seal imprint data printing section shown in the same figure. Furthermore, if a signal to approve the request to open an account is not sent, a message indicating the refusal is displayed on the CRT5 (n 18-n
19) Displays a message prompting the user to return the card and cash and perform the operation again (n20 to n24).

As described above, according to this embodiment, the card insertion slot 3
The seal impression data can be read out from the optical card 21 inserted into the card 21, and this seal impression can be printed on a new passbook. Although the optical card 21 is used as the card medium in this embodiment, other cards such as an IC card having a storage capacity capable of storing seal impression data may also be used. Furthermore, graphic data of a signature may be used as the seal impression data.

(g) Effects of the Invention According to the present invention, a customer's seal impression or signature can be stored on a card, and the seal impression data can be read out from this card and printed on a passbook at the time of account opening processing.

Therefore, counter processing such as stamping a seal or signing a signature is no longer necessary for account opening processing, and the account opening processing can be processed by the transaction processing device, achieving unmanned counter processing and improving customer service. There is an advantage that it can be done.

[Brief explanation of the drawing]

Figure 1 is a diagram showing the operation of this invention, and Figure 2 is an ATM that constitutes a card transaction processing system that is an embodiment of this invention.
Figure 3 is a block diagram of the control unit of the ATM, Figure 4 is a plan view of the card that makes up the card transaction processing system, and Figure 5 shows the configuration of the main parts of the card's storage area. 6 are flowcharts showing part of the processing procedure of the control unit of the ATM. 1-ATM (Transaction Processing Equipment), 11-Card League, 12-Print Head, 21-Optical Card.

Claims (1)

[Claims] (1) In a card transaction processing system that processes transactions via a card medium inserted into a transaction processing device, the card medium is provided with a seal data storage unit that stores graphic data of a seal or signature, and the transaction processing device is provided with a seal imprint data storage section. A card transaction processing system comprising a seal printing means for printing graphic data stored in a data storage section at a predetermined position of a passbook during account opening processing.