JPH0381868A - Automatic transaction method - Google Patents

Abstract

PURPOSE:To eliminate the need for conventionally used magnetic/IC cards and bankbooks with magnetic stripes and to reduce the cost of transactions by inputting a previously registered customer registration number from an input means at the time of executing automatic transaction. CONSTITUTION: In an automated apparatus 1, a customer selects a transaction on a customer guide screen 5a and inputs a previously registered customer registration number. Then the customer inputs a password and inputs the amount of the transaction through a customer operation keys 6. A CPU 14 in the apparatus 1 transmits these transaction data to a center. At the time of receiving the transaction data from the apparatus 1, a CPU in the center accesses a magnetic disk file based upon the customer registration number included in the received data. he CPU of the center checks whether abnormality exists in the customer registration number, the password, or its account or not, and when there is no abnormality, an output 'transaction available' is outputted to the CPU 14 of the apparatus 1. At the time of receiving the 'transaction available' from the CPU of the center, the CPU 14 of the apparatus 1 allows the apparatus 1 to execute transaction operation.

Description

Detailed Description of the Invention (Field of Industrial Application) The present invention relates to an automatic transaction method in automated equipment used in financial institutions, etc., and typified by automated teller machines (CDs) and automatic transaction machines (ATMs). Regarding.

(Conventional technology) Conventionally, automatic teller machines (CDs) used in financial institutions, etc.
) and automated teller machines (ATMs), when making payments, deposits, or checking balances, the relevant account of the transaction is confirmed by using a magnetic/IC card and a passbook with a magnetic stripe. Furthermore, the customer was verified using Roppo PIN, etc., and then the relevant transaction was conducted.

(Problem to be Solved by the Invention) However, in the above-mentioned conventional automatic transaction method, when a transaction is made using a magnetic/IC card, etc., the card, etc. is stolen and the contents are read, so that payment cannot be made from the corresponding account. There was a problem that the

Furthermore, since it requires device operations such as reading and feeding the stripe contents of a medium such as a magnetic/IC card, there is a problem in that the possibility of device failure is high.

Therefore, in view of the above-mentioned conventional problems, an object of the present invention is to
An object of the present invention is to provide an automatic transaction method that eliminates accidents caused by theft of media such as magnetic/IC cards and reduces the occurrence of device failures.

(Means for Solving the Problems) The automatic transaction method of the present invention includes an input means for inputting data and a deposit/withdrawal means for depositing and withdrawing money, and is an automated transaction method used in financial institutions, etc. When a customer performs an automatic transaction, the customer does not use a magnetic/IC card or a passbook with a magnetic stripe, but instead inputs and uses a pre-registered customer registration number using the input means. .

(Function) Therefore, by inputting and using the customer registration number using the input means, there is no need to use a magnetic/IC card or a passbook with magnetic stripes.

Therefore, since a medium such as a magnetic/IC card is not required, there is no need to hand over (issue) the medium to the customer. This eliminates accidents caused by theft of media as in the past. Also,
Since a medium such as a magnetic/IC card is not used, a card read/write device 9 and a notebook entry device are not required as a device configuration, and the occurrence of device failure can be reduced. In addition, since there is no medium such as a magnetic/IC card that the customer inserts into the device, in the event of a device failure, the customer's inserted medium will not remain in the device, simplifying the response to the customer. Service to customers will be improved.

(Example) Next, embodiments of the present invention will be described with reference to the drawings.

FIG. 4 is an external view showing an embodiment of the automated equipment according to the present invention, FIG. 5 is an enlarged plan view of the customer operation section of the automated equipment shown in FIG. 4, and FIG. FIG. 1 is a configuration diagram showing an example.

In FIG. 4, reference numeral 1 denotes automated equipment such as automatic teller machines (CDs) and automated teller machines (ATMs) used in financial institutions.

Reference numeral 2 denotes a bill insertion/return slot, which is connected to a bill deposit/withdrawal machine. 3 is a coin insertion/return slot, which is connected to a coin deposit/withdrawal machine. These bill depositing and dispensing machines and coin depositing and dispensing machines constitute a money depositing and dispensing machine. Reference numeral 4 denotes a customer operation section, and as shown in FIG. Here, 5a is a customer guidance screen of the visual display device 5.

In FIG. 6, 11 is a transaction slip printer,
The transaction statement printer 11 is a part that prints transaction details on a statement slip to create a transaction statement slip. Reference numeral 12 denotes a money depositing and dispensing machine, and the coin depositing and dispensing machine 12 includes a bill depositing and dispensing machine for depositing and dispensing banknotes and a coin depositing and dispensing machine for depositing and dispensing coins. Reference numeral 13 denotes a memory, which is used not only to store programs but also to temporarily store transaction results and the like as needed. Further, as the input means of the present invention, a touch panel of the visual display device 5 with a touch panel and customer operation keys are used, and data is input by pressing a corresponding part on the touch panel or by operating the customer operation keys 6. 14 is a central processing unit (hereinafter referred to as CPU) consisting of a processor.

), this CPU 14 is a transaction slip printer 1.
1. Statement conveyance unit (not shown), money deposit/withdrawal machine 12, visual display device with touch panel 5, connection unit with the center host computer (host computer) (not shown), memory 13
It is in charge of controlling etc. Note that the CPU 14 is connected online to the center side via the connection section.

The automatic transaction method of the present invention in the automated equipment configured as described above will be explained using FIGS. 1 to 3. 1 to 3 are explanatory diagrams showing one embodiment of the automatic transaction method according to the present invention, in which FIG. 1 is a flowchart showing one embodiment of the present invention, FIG. 2 is a center processing flowchart, FIG. 3 is a diagram showing the structure of files stored on the magnetic disk of the center.

Before explaining FIGS. 1 to 3, a method for setting a customer registration number will be described. When a customer opens an account at a financial institution, the financial institution allocates an account number as well as a customer registration number and notifies the customer. It goes without saying that when opening an account, the customer's PIN number and other information are also registered. Further, for customers who have already opened an account, the customer registration number is notified confidentially or the like so that the automated equipment 1 can be used.

In the automated equipment 1, the customer selects a transaction from the customer guidance screen 5a displayed on the visual display device 5 (step Sl). Next, the customer registration number registered at the center is input (step S2). In the present invention, the customer registration number is registered in advance in the magnetic disk file of the center.The customer registration number includes, for example, a store number (3 to 4 digits) and a number (2 digits) indicating the type of account (account). Consists of a customer-specific number (7 digits). As shown in FIG. 3, the contents of the customer's file registered in the center's magnetic disk file include branch number 1 and account number.

Customer information file number, customer registration number, customer PIN number 1
This is the account balance.

Next, the customer uses the customer operation key 6 to input the customer PIN number for the customer registration number (step 53).Next, the customer inputs the transaction amount using the customer operation key 6 (for example, in the case of payment, enter the payment amount). input) (step S
4) By inputting the transaction amount, for example, inputting the payment amount, the CPU 14 of the automated equipment 1 executes the transaction with the center (step S5), that is, the CPU 14
sends transaction data to the center.

On the other hand, when the center receives transaction data for transaction execution from the automated equipment 1, the center's CPU accesses the magnetic disk file using the customer registration number in the received data (step Sll in FIG. 512),
As a result, if there is no corresponding file, a "transaction error (transaction NG)" is output to the CPU 14 of the automated equipment 1 (steps S13 and 514 in FIG. 2). If there is no corresponding file here, it may be because the customer registration number was entered incorrectly, or the customer registration number was entered correctly but was not sent to the center correctly according to the entered customer PIN due to a problem. arise. In step S12, if the corresponding file can be accessed, 1. The center CPU checks whether the customer PIN number in the received data matches the customer PIN number registered in the corresponding file (Fig. 3), that is, whether the customer is the customer himself/herself (second step). Step 515 in the figure). As a result of the check, if the customer PIN in the received data does not match the customer PIN registered in the relevant file (if the customer is not confirmed as the customer), a "transaction error" will be detected by the automated device 1. output to the CPU 14 (step S15 in FIG.
゜S16,514). If the customer PIN number in the received data matches the customer PIN number registered in the corresponding file, the center CPU further checks whether there is any abnormality in the corresponding account (step S16 in FIG. 2). ,51
7). Here, checking whether there is no abnormality in the relevant account means, for example, whether the relevant account has been canceled, whether the relevant account is insolvent, or whether the relevant account has been frozen (or not). If there is an abnormality as a result of the check in step S17, the center CPU outputs a "transaction error" to the CPU 14 of the automated equipment 1 in step S of FIG.
17. In addition, if there is no abnormality as a result of the check in step S17, the center CPU outputs "transaction possible (transaction OK)" to the automated equipment 1 CPU.
Output to U14 (steps S17 and S18 in FIG. 2,
519).

Next, on the automated equipment 1 side, the CPU 14
If “transaction possible” is received from the PU, the CPU 14
Perform the corresponding transaction operation. That is, the CPU 14 controls the transaction statement printer 11 to print the transaction details on the statement to create a transaction statement (step S7), and also controls the money deposit/withdrawal machine 12 to count the amount to be paid. The cash and transaction statement slip are discharged (step s8). In this case, the transaction statement slip is discharged from the bill insertion/return slot.

The transaction is then completed. On the other hand, CPU 1 of automation equipment 1
4 receives a "transaction error" from the center CPU, the CPU 14 controls the transaction statement printer 11 to print the details of the transaction error on the statement slip (step S
6. S9), the statement slip is discharged (step 5I).
O) The customer can learn the details of the transaction error from the statement. In this case, a statement with the details of the transaction error printed on it is issued to the customer, but two statement slips with the details of the transaction error printed are created, one of which is issued to the customer, and the remaining statement is issued with the details of the transaction error printed on. One copy may be taken into the automated equipment 1, or a statement slip with the details of the transaction error printed on it may be taken into the automated equipment 1, and the statement slip with the details of the transaction error printed on is sent to the customer. You may also choose not to emit the .

As can be seen from the above description, in the present invention, whether or not the customer is the customer is confirmed by checking the customer registration number and customer PIN number input by the customer using the customer operation key 6 of the automated device 1. , conventionally used magnetic/IC
This eliminates the need for cards and passbooks with magnetic stripes. Accordingly, the device configuration shown in FIG. 6 eliminates the need for the card read/write device 15 and bankbook entry device 16 that were conventionally used. Here, the card read/write device 15 conventionally reads data recorded on a magnetic/IC card inserted by a customer and writes data to the magnetic/IC card. The passbook entry device 16 is used to print the date, transaction amount, and balance on a passbook inserted through a conventional passbook insertion slot. Therefore, since magnetic/IC cards and passbooks with magnetic stripes are no longer required, customers are not required to use magnetic/IC cards.
There is no need to issue and hand over cards and passbooks with magnetic stripes. This eliminates accidents caused by theft of media such as magnetic/IC cards as in the past.

Furthermore, since the card read/write device 15 and the passbook entry device 16 are not required, the cost of the automated equipment 1 can be reduced accordingly. Moreover, the card read/write device 15 and bankbook entry device 16 are not required in the device configuration of the automated device 1, and the occurrence of device failures can be reduced. In addition, since there is no medium such as a magnetic/IC card that the customer inserts into the automated equipment, in the event of a equipment failure, the customer's inserted media will not remain inside the equipment and remain there, simplifying the response to the customer. This will improve customer service.

The present invention is not limited to this embodiment, and various applications and modifications can be made without departing from the gist of the present invention.

(Effects of the Invention) As described above, if the present invention is used, the following various effects can be achieved.

(1) Conventionally used magnetic/IC cards and passbooks with magnetic stripes (hereinafter referred to as magnetic/IC cards, etc.)
Since this eliminates the need for a card read/write device or a passbook entry device in the device configuration of the automation device, the cost of the automation device can be reduced accordingly.

(2) Since there is no need to issue and deliver media such as magnetic/IC cards to customers, accidents caused by theft of media such as magnetic/IC cards as in the past are eliminated.

(3) Since a card read/write device and a passbook entry device are not required, it is possible to reduce the occurrence of equipment failures in automated equipment.

(4) Since there is no medium such as a magnetic/IC card that the customer inserts into the automated equipment, when a equipment failure occurs, the customer's inserted media will not remain in the equipment, simplifying the response to the customer. , service to customers will be improved.

[Brief explanation of drawings]

FIGS. 1 to 3 are explanatory diagrams showing one embodiment of the present invention, and FIG.
The figure is an external view showing an embodiment of automated equipment according to the present invention,
FIG. 5 is an enlarged plan view of the customer operation section shown in FIG. 4, and FIG. 6 is a device configuration diagram showing an embodiment of the automated equipment according to the present invention. 1... Automated equipment, 4... Customer operation unit, 5... Visual display device with touch panel, 5a... Customer guidance screen,
6...Customer operation key 11...Transaction slip printer, 12...Money deposit/withdrawal machine, 13...Memory, 14...
・CPU. 7th grade H5170 - Chart Figure 2 Figure 3 Figure 4rlA Figure 5.

Claims (1)

[Scope of Claims] In an automated device used in financial institutions, etc., which has an input means for inputting data and a deposit/withdrawal means for depositing and withdrawing money, a magnetic/IC card is used when a customer performs an automatic transaction. and an automatic transaction method characterized in that, instead of using a passbook with a magnetic stripe, a pre-registered customer registration number is inputted and used by the input means.