JPH04215178A - Automatic transaction machine with seal-impression collation system - Google Patents

Abstract

PURPOSE:To offer an automatic transaction machine with a seal-impression collation system which identifies an owner with the inputted seal-impression and executes transaction via a seal and a bankbook. CONSTITUTION:By providing an automatic transaction machine, equipped with, at least, a magnetic stripe reader/writer 13 which reads/writes a magnetic stripe on a bankbook, a communication control part 18 which communicates with a host computer and an operation part 17 through which a customer inputs an instruction, with a seal-impression input device 25 which reads the seal- impression as an image, a data which reads the magnetic stripe on the bankbook and an image data of the seal-impression which is read by the seal-impression input device are transmitted to the host computer and transaction is executed according to the response from the host computer.

Description

[Detailed description of the invention]

0001

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device with seal verification, which is used in an online banking system, and which verifies the identity of the transaction person using an input seal.

0002

[Prior Art] Currently, the deposit systems of banks, etc. are being mechanized using card-based identification methods, and automated teller machines (also called ATMs) installed at banks, etc. stores can only handle transactions using cards and passbooks. It was possible to make deposits, withdrawals, transfers, etc. according to the user's instructions.

FIG. 4 shows the configuration of a conventional automatic transaction device. In the figure, 11 is a control unit that controls the automatic transaction device;
12 is a magnetic card reader for reading an ID card; 13 is a passbook handling section consisting of a passbook magnetic stripe reader/writer 14 and a passbook printer 15; 14 is a magnetic stripe reader/writer for reading and writing the magnetic stripe of the passbook; 15 is for printing transaction records on the passbook. 16 is an imprinter that prints transaction details; 17 is an operating section through which the user inputs transaction instructions; 18 is a line control section that communicates with the host computer; 19 is a bill storage section 21 and a bill receiving section. 22 and a banknote recycle unit 23, 20 is a host computer that controls the banking system;
Reference numeral 1 denotes a banknote storage unit that stores banknotes; 22 a banknote receiving unit that confirms banknotes deposited by the user and stores them in the banknote storage unit 21; and 23 a banknote that dispenses banknotes from the banknote storage unit 21 and pays them out to the user. This is the payout section.

[0004] The operation of the automatic transaction device will be explained using the flowchart shown in FIG. In step 71, the automatic transaction device reads the ID card inserted by the user using the magnetic card reader 12. Steps 71 to 75 are the operations of the automatic transaction device. In step 72, the magnetic stripe of the passbook inserted by the user is read by the magnetic stripe reader/writer 14. In step 73, the password input by the user from the operation unit 17 is read. In step 74, the transaction request amount input by the user from the operation unit 17 is read. In step 75, the above input data is sent together as a transmission message to the host computer. At step 76, the host computer receives the telegram data. In step 77, the password entered by the user is compared with the password registered in the host computer. In step 78, if the PIN numbers match and the transaction requested amount is equal to or greater than the balance, a notification that payment is possible is sent to the automated teller machine, and if not, a notification that payment is not possible is sent as a response message to the automated teller machine. Step 7
At step 9, the automatic transaction device performs a transaction corresponding to the response message, records the transaction in the bankbook using the bankbook printer 15, and prints the transaction details using the imprinter 16. In step 80, the automated teller machine ejects the inserted ID card and passbook, and
3 dispenses the requested amount of banknotes from the banknote storage section 21.

[0005]

[Problem to be solved by the invention] In conventional ATMs, only cards can be used for withdrawals, so even if you lose your card and have your seal and passbook, you will have to withdraw money if the bank counter is closed. The problem was that I couldn't do it. In view of these points, it is an object of the present invention to provide an automatic transaction device that is equipped with an input device that reads a seal as an image and performs transactions using the seal and a bankbook.

[0006]

[Means for Solving the Problems] The above-mentioned problems are solved by an automatic transaction device with seal verification configured as follows. FIG. 1 is a diagram showing the principle of the present invention.

[0007] In an automatic transaction device equipped with at least a magnetic stripe reader/writer 14 for reading and writing the magnetic stripe of a passbook, a line control unit 18 for communicating with a host computer 20, and an operation unit 17 for inputting instructions by a customer, a seal is used as an image. By providing a seal input device 25 that reads the magnetic stripe of the passbook, the data read from the magnetic stripe of the bankbook and the image data of the seal read by the seal input device 25 are transmitted to the host computer 20, and transactions are performed based on the host computer 20's response. Configure.

[0008]

[Operation] The magnetic stripe of the passbook is read, the seal is read by an input device that reads the seal as an image, and the result is transmitted to the host computer to receive the result of whether the transaction is possible or not, and the transaction is performed.

[0009]

Embodiment FIG. 2 shows the configuration of a system using an automatic transaction apparatus according to an embodiment of the present invention. In the figure, 25 is a seal input device that inputs the seal as an image by stamping the seal within a predetermined frame on a predetermined sheet of paper and reading it with an image reader; 27 is a transaction record section that records transactions; 28 is a seal file that stores image data of registered seals; and 29 is a transaction record file that stores transaction records. , 30 is an automatic transaction device with seal verification according to the present invention. Other components with the same reference numerals as those in FIG. 5 are the same.

The operation will be explained according to the flowchart in FIG. Steps 81 to 85 are operations of the automatic transaction device 30 with seal verification. In step 81, the magnetic stripe record of the bankbook inserted by the user is read to determine the user's identification number. In step 82, the user's seal inserted into the seal input device 25 is read as image data. In step 83, the user is instructed to input the registered password from the operation unit 17, and the input number is read. In step 84, the user is instructed to input the requested amount from the operation unit 17, and the input amount is read. The data read in step 85 is collectively sent as a transmission message to the host computer 20 by the line control unit 18. host computer 20
In step 86, the data read from the automatic transaction machine with seal verification 30 (hereinafter abbreviated as SATM) is received. In step 87, the host computer 20 identifies the user from the user's identification number written on the magnetic stripe, retrieves the seal data from the seal file 28, and compares it with the seal image data sent from the automatic transaction device with seal matching 30. do. Verification is performed by the verification section 2 of the host computer 20.
6 does.

The operation of the verification method will be explained in accordance with the flowchart of the seal data verification method shown in FIG. In step 91, the seal file 28 is checked based on the user's identification number written on the magnetic stripe of the passbook to see if it is registered. If not, the process advances to step 96 and ends abnormally. In step 92, the registered user's seal data is read out. SATM3 in step 93
Compare the seal data from 0 with the read seal data. If they match, the process advances to step 97; if they do not match, the process advances to step 94. In step 94, the angle of the seal data from the SATM 30 is rotated by one degree. FIG. 4 shows how the seal data is handled at this time. 4, 51 to 54 are seal data from the rotated SATM 30, and 55 is registered seal data. S.A.
The seal data from TM30 is rotated by 1 degree to 360
Rotate to a degree. This state is the seal data 51 to 54. In step 95, it is checked whether it has rotated 360 degrees. If the rotation has not been completed by 360 degrees, verification is performed again in step 93. If they are rotating, it is assumed that they do not match, and the process proceeds to step 96, resulting in abnormal termination. In step 96, SATM
It is determined that the seal data from No. 30 has not been registered, and a message indicating that the verification result is abnormal and transaction is not possible is created. Step 9
In step 7, it is determined that the seal data from the SATM 30 has been registered, and a transaction-enabled message is created. This completes the flowchart of the seal data verification method.

At step 88 in FIG. 3, host computer 20 sends a response message. SATM3 in step 89
0 receives a message from the host computer 20, performs a transaction in accordance with the message, records the transaction in the user's bankbook using a passbook printer 15, and prints the transaction details using an imprinter 16. In step 90, the SATM 30 discharges the registered bankbook and printed transaction details, and dispenses banknotes in the amount requested by the user from the banknote dispensing unit 23.

[0013] With the above configuration, an automatic transaction device that performs transactions using a seal and a bankbook is realized, and a user can use the automatic transaction device using a seal and a bankbook. In this embodiment, the seal file 26 and collation unit 26 are provided in the host computer, but
The seal file 28 and the collation unit 26 may be provided in the automatic transaction device and operated offline. Alternatively, the seal affixed on the passbook may be read with an image reader, and the read data may be compared with the seal data.

[0014]

[Effects of the Invention] As is clear from the above explanation, the present invention has a remarkable industrial effect in that it is possible to conduct transactions using an automatic transaction device while holding a seal and a bankbook.

[Brief explanation of the drawing]

[Figure 1] Principle diagram of the present invention

[Figure 2] Configuration diagram of an embodiment of the present invention

[Figure 3] Flowchart of the embodiment of the present invention

[Figure 4]
How to check seal data

[Figure 5] Flowchart of seal data verification method

[
Figure 6: Configuration of conventional automated transaction device

[Figure 7] Operation flowchart of conventional automatic transaction device and host computer

[Explanation of symbols]

11 Control unit 12 Magnetic card reader 13 Passbook handling unit 14 Magnetic stripe reader/writer 15
Passbook printer 16 Imprinter 17 Operation unit 18 Line control unit 19 Banknote recycling unit 20 Host computer 21 Banknote storage unit 22 Banknote receiving unit 23 Banknote dispensing unit 25 Seal input device 26 Collation unit 27 Transaction recording unit 28 Stamp file 29 Transaction record file 71 ~97 Operation steps

Claims (2)

[Claims] 1. A magnetic stripe reader/writer (14) that reads and writes at least the magnetic stripe of a passbook, and a line control unit (18) that communicates with a host computer (20).
) and an operation unit (17) for the customer to input instructions, by providing a seal input device (25) that reads the seal as an image, the data read from the magnetic stripe of the bankbook and the input of the seal are provided. An automatic transaction device with seal verification, characterized in that image data of a seal read by the device (25) is transmitted to a host computer (20), and transactions are performed in response to a response from the host computer (20). 2. An automatic transaction device comprising at least a magnetic stripe reader/writer for reading and writing the magnetic stripe of a passbook, and an operation section for a customer to input instructions, comprising: a seal input device for reading a seal as an image; An automatic transaction device with seal verification, characterized in that it is provided with means for inspecting the validity of a read seal.