JPH0436862A - Transaction system for automatic transaction device - Google Patents

Abstract

PURPOSE:To enable a customer needs to carry no card with him/her by keeping a prescribed card of the customer in a transaction device and using the card at transaction. CONSTITUTION:The 1st and 2nd identification Nos. are previously set to a single card and then stored in a customer personal information memory of a CPU 13. A control part 10 performs the central communication with the CPU 13 via a circuit control part 12. The CPU 13 returns the transaction information on each account read out of a card and this information is stored in a storage part 11. The preceding identification Nos. are compared with the 1st identification No. stored in the part 11 to undergo the decision of its propriety. Thus a customer is not required to always carry a card with him/her. Then the desired transactions are attained with storage of cards in a long period and the extraction of cards carried out by the free selection of customers.

Description

[Detailed Description of the Invention] [Field of Industrial Application] The present invention relates to an automatic transaction device that can perform transactions using cards such as cash transaction cards, transfer cards, cash advance cards, credit cards, IC cards, optical cards, and prepaid cards. Regarding the trading system.

[Conventional technology 1: Automatic cash transactions using transaction cards are rapidly becoming popular.
Cards are being issued by stores such as department stores, convenience stores, and Karin stands, and the number of cards owned by individuals is also increasing.As a result, the number of lost cards and theft of 9Mf is increasing, and crimes using stolen cards are also increasing. It's becoming more common.

Traditionally, card users keep their own cards after completing transactions, and when using them, they either carry multiple types of cards at all times or bring them from another storage location depending on the transaction. there were. If you carry multiple types of cards with you at all times,
This is often caused by carrying cases such as wallets and card holders.
Cards tend to bend or break, resulting in deformed cards, making them unusable, and above all, there are many incidents where multiple types of cards are lost or stolen at once, which has become a problem. . Also, the more types and numbers of cards there are, the more careful they are to store and manage, which can be rather inconvenient for users.

As conventional techniques, there are techniques disclosed in Japanese Patent Application Laid-open No. 62-133594 and Japanese Patent Application Laid-Open No. 63-106073, but in both cases, after the card left behind by the customer is collected in the transaction device, the customer's request is 1) The 1j person presses the "leftover verification key" and then enters the same PIN number, which matches the PIN number stored in the transaction device. When the customer's card is recovered in the transaction device, the customer's card is displayed as "CRl", and if the PIN is stolen by a third party,
Since the transaction device does not have the ability to identify (4) theft, if a third party detects the customer's PIN and requests its return immediately after the customer leaves the card behind, a criminal act could occur. In the latter case, when a customer notices that their card has been left behind and makes an inquiry to the monitoring center using the intercom on the transaction device, the staff at the monitoring center sends an instruction to the transaction device to confirm [I] (certification number). Only when the entered PIN matches the card's PIN, the staff member will return the forgotten card to the customer. Since the return is done manually, if several cards are left behind in a short period of time, it is essential for the transaction device to store the cards from the card transport path to the card storage shelf. It is impossible to immediately return the card to the customer in case of multiple cases of being left behind.If an attempt is made to automatically return the card, if a card is left behind for the first time, the card will remain in the card transport path. Although it is possible to automatically return the transaction device by the operation of the customer who forgot to take it, during that time, the transaction device cannot respond to transaction requests from other customers.

[Problem to be solved by the invention]

In view of the above problems, the present invention does not deal with cards left behind by customers, but instead deals with various cards issued by stores individually, cards that are used infrequently, cards of customers who always make transactions at the same store, etc. The purpose of this is to provide a system in which customers do not need to carry a card by depositing money in a transaction device and using the card at the time of transaction.

[Means to solve the problem]

The purpose of [above] is to perform a specified transaction by inserting a card and inputting a PIN number, and (1) a memory that stores the personal information necessary for the transaction described in 1j above, and a card storage number set for each card. a card storage supply unit that stores and supplies the card; a control unit that checks the personal information by inputting the first PIN number to confirm whether or not the card is stored; This is achieved by a transaction system using an automatic transaction device that has a control unit that performs transactions by checking the personal information.

[Effect]

A customer who has not deposited a card performs a transaction by operating the card in the conventional manner, and after the transaction is completed, the card is stored in the card storage shelf according to the card storage number at the customer's discretion.

Customers who have already deposited their cards will have their cards returned by entering their registered first PIN number and then entering their second PIN number via central communication, and the card operations will continue as before. You can conduct transactions using

Embodiment] Hereinafter, an embodiment of the present invention will be described based on FIGS. 1 to 10-1.

FIG. 1 shows the configuration of an embodiment of an automatic transaction device (hereinafter abbreviated as ΔGOM) of the present invention. 1 indicates 8゛17M,
Reference numeral 2 denotes an operation section, which includes a touch panel for inputting information such as the transaction person's password, amount of money, etc.; and 3, a display section for providing operation guidance to the customer and displaying input contents. 4 is the card reading and writing section,
Reference numeral 5 denotes a bankbook reading section, which reads and writes data on cards and bankbooks inserted by customers.

Reference numeral 6 denotes a card storage and supply section for storing and supplying cards, which is connected to a card transport path (not shown) of the card read/write section 4 and is a main part of the configuration of this embodiment. 7 prints the details of the transaction at the slip issuing section. Reference numeral 8 denotes a banknote handling section for inserting and dispensing banknotes D'l. A power supply section 9 supplies the necessary power to each ATMI ff1l. Reference numeral 10 denotes a control unit which performs operation and control for each of the constituent units described in 2 above.The control units 1 and 0 include a storage unit 11 for storing necessary data and a central processing unit (hereinafter abbreviated as center). do)
13 and a line control unit 12 for transmitting and receiving transaction information for each customer.

The present embodiment, which is constructed as follows, will be explained based on the operation/flow diagram of FIG. FIG. 2 shows a flowchart of payment collection, and other processes such as deposit and balance inquiry are omitted.

Step 20 (same as S20) indicates the start of the operation, and in S2], the message shown in Figure 3 is displayed on the display unit 3, and the trader selects "Yes" or "No" directly from the screen. Touch your finger. If "No", the card is inserted in S22, and from 323 to S25, the card is read, the password is entered, and the amount is entered.

In this embodiment, one card has two types of 11Δ, the first and the second.
The identification number is set in advance, and these two types of identification numbers are not stored in the card but in the customer personal information memory on the center 13 side. In S24, the same password as in conventional transactions is input. In this embodiment, this is referred to as a first password.

In S26, the control unit 10 connects the center 1 via the line control unit 12.
Conduct central communication with 3. From the center 13, as shown in FIG. 4, the transaction information of 口j^i'; hj read from the card is returned and stored in the storage section 11.

In S27, the password entered in S24 is changed to the first password 5 shown in FIG. 4 stored in the storage unit 11.
3 to determine whether it is normal or not. If the input password is incorrect, the password error process of S32 is executed to prompt the user to re-enter the password, or the explanation of the process will be omitted. If the input PIN number is normal, the process moves to 828 to S29, and after processing such as printing the slip, discharging the bill, and discharging the bill, the process moves to S3.
When the value is 0, the card is stored.

Next, to explain the card storage in detail, when the card is read in S23, as shown in FIG.
1III + Embossed symbol 62 formed in a convex shape inside and outside
For example, the card storage numbers are set in advance, such as card storage numbers oooo to 9999. This embossed symbol 62 is detected by optical detection means (not shown). The card storage number 57 is allocated to the card storage shelf 70 shown in FIG. ing. The card storage shelf section 70 may be provided outside the ATV 1 body separately. After the card 60 is stored in S30, central communication is performed in S46 and the card storage number 5 is
7 and card stored information 55 are written to the customer information in the memory of the center J3. Thereafter, the message is displayed on the display unit 3 as shown in FIG. 6, and the payment transaction is successfully completed in step 831.

Returning to Figure 2, if you select "Yes" in S21, S
33 and a message like the one shown in Figure 7 is displayed. i'flll 3
will be displayed. When the customer enters the first PIN number 8,
At 34, central communication with the center 13 is performed, and the information shown in FIG. 4 is transmitted to the TM as described above. In the central communication here, since the card 60 is not in the card reading/writing section 4, the center 13 searches the memory of the center 13 for the transaction information of the corresponding hQ1 customer using the first PIN entered in S33. The data will be sent.

After the central communication, in S35, the card stored information 55 is read from the transmitted information shown in FIG. 4, and for information that is not stored in the card, the message shown in FIG. 8 is displayed on the display unit 3, and then the alarm ends. becomes. For the card stored information 55 in S35, the process moves to S:37, the message shown in FIG. 9 is displayed on the display section 3, and the customer is prompted to key in a predetermined password.

The predetermined PIN number here means the second PIN number set to obtain the supply of the card 60, and the second PIN number of the card that the customer desires to be supplied with is input. . When the input of the PIN number is completed in S37, it is determined in 838 whether the PIN is correct or not, that is, whether or not the second PIN 54 matches the keyed-in PIN number in the information shown in FIG. 4 transmitted from the center 13. Determine. If the passwords do not match, in this embodiment, the process moves to S39 to ask the user to re-enter the password, and it is determined whether the password input error is "1" twice.

This is possible by counting the number of times in the storage unit 11 of the ATM 1, and if it is 1 time ['', the process returns to S37 to instruct the old input. If the answer is ``1'' twice, the process moves to S40 and central communication is performed, and in S41 the center communicates with the customer who has entered the PIN incorrectly in the memory of the customer corresponding to the first PIN in the memory of 3 (shown in the figure). After the "occurrence" is registered, the alarm process for calling the attendant ends at S42.

The second password entered in S38 is shown in the second password in FIG.
If the password matches the password 54, it is determined in S43 whether the password input error information 56 shown in FIG. 4 has already been input. This information is the registration information in S41 described above. If the password entry error information 56 is included,
34.4, the message shown in FIG. 10 is displayed on the display unit 3, and the customer is informed that there is a possibility that a third party has entered the first PIN number and performed an operation to request the supply of the card 60. After displaying the warning, the card 60 is supplied in S45. This card supply is the opposite of the card storage operation in S30 in -1.1 described above, and the card storage supply unit 6 operates based on the information of the card storage number 57 shown in FIG. The card 60 is supplied to the customer by being supplied to the conveyance path of the reading/writing section 4, and the details of the operation will be described later.

After confirming his/her card 60, the customer issues card 60 in S22.
By performing the insertion, payment transactions can be made as described above. 34. PIN input error information 56 in 3
If there is no input error, the card 60 is supplied in S45.

In this embodiment, various flags are used in the program, but descriptions of their setting and reset are omitted. It goes without saying that the flow for handling abnormalities that occur in each step is also omitted.

In this embodiment, the card 6o is forcibly stored in S30 regardless of the customer's will, but as an applied example, the transaction Needless to say, it is easily conceivable that the card 60 be returned to the transactor and terminated at 11' if the card 60 is not desired to be stored.

Although the present embodiment has been described as above, the operation of the above-mentioned card storing and supplying section 6 will be supplementally explained based on FIGS. 11 and 12.

FIG. 11 is an explanatory diagram of the operating principle of the card storage/supply ff1l 6, which includes a card storage shelf 7o that stores cards 6o arranged one by one for each card storage number, and as shown in FIG. The locations of the storage shelves 70 are set in correspondence with the card storage numbers 57, respectively. Location is X, Y coordinate base or card storage number 5
7 itself may be encoded, and in short, a card having a predetermined card storage number 57 is always stored in a predetermined location. In FIG. 11, the card 60 is held by a card holding plate spring 71 provided in the card storage shelf 7o so as not to fall. Reference numeral 72 designates a card holding body such as a robot hand capable of holding cards one by one, and is configured to be vertically movable and rotatable. The card holder 72 also moves freely in the X and Y directions of the arrows, and can move between the card storage supply 1-1 and the card storage 4111170. These driving sources include a stepping motor 73.
74, and is configured to perform high-speed and accurate movement operations.

In response to a card storage instruction from the control unit 10, the entire card holding body 72 moves to the card storage 1JIj supply 1-I side, grips the transported card 60, reads the location corresponding to the card storage cloth-857, A predetermined location of the card storage shelf 70, for example, the card storage number 57 is 009.
The card No. 6 is stored in the location X0Y96, and when a request to withdraw the card 60 is issued from the control section 10, an operation opposite to the above-mentioned storage operation is performed, that is, the card storage number 57 is 0096 (7) and the card 60 is Card holder 72 from location X0Y96 of card storage shelf 70
After being grasped by the card reader/writer, the card is transferred to the card storage/supply port of the card reader/writer 4, the card transport path of the card reader/writer 4 is activated, and the cart is controlled to be supplied to the transaction person.

Then, it is possible to store the card in the location corresponding to the card storage number 57 and withdraw it from the location corresponding to the card storage number 57.

A possible application of this embodiment is to have the customer input the first and second passwords in order to supply the card 60 to the customer, but to actually perform the supply operation of the card 60 at 34.5 and to perform a payment transaction. . However, by inserting the supplied card 60 itself and actually reading the card 60,
It is clear that the authentication of the customer himself and the reliability of the transaction contents are increased, and it is preferable to supply the card 60 as in the embodiment. Furthermore, although this embodiment describes the input operation of two types of PIN numbers, the first and second, it is also possible to use three or more types of PIN numbers depending on the situation. A method may also be used in which information indicating the characteristics of the individual combined with this information is entered using a key.

Furthermore, the one in which the first and second PIN numbers are swapped,
It is easy to imagine a system in which the order in which the first and second passwords are entered can be changed at any time. It should be noted that the password in the first embodiment is not limited to numbers, and may of course be a symbol or code type=15.

Since the first and second passwords set on the card 60 are managed at the center, the probability that the two passwords will be known to another person at the same time is extremely small. The PIN number is checked to see if it matches the second PIN number paired with the first PIN number stored at the center, making it extremely safe and reliable.

Note that after receiving the card 60 in S45, S45 is performed again.
Although the password is entered in step S24, it is possible to omit the password input in step S24.

Also, after supplying the card 60 at 34.5, the transaction end key (
Of course, it is also possible to only supply the card 60 by pressing the button (not shown), and it is also easily possible to independently store only the card 60 or supply only the card 60 using the transaction type key.

In this embodiment, the card 60 is stored using the card storage number 57 provided on the card 60, but original personal information owned by the card, such as r-+ IJ4 number and 11) I serial number O, is stored in the order of There is also a method of arranging the cards, and personal information such as the customer's telephone number may be used as a storage number, and the card storage cloth 1j 57 is stored as personal information on the magnetic stripe 61 of the car 1" 60 and this is read. You can do it like this.

For customers who find it inconvenient that storing the card 60 in the ATMI means that transactions cannot be made at other stores, an inexpensive card made of paper with the same data as the stored card 60 written on it can be used at the card storage supply unit described above after storing the card. There is also a way to issue a new one from 6.

The card storage section allows you to send a card with nothing written on it to an ATM.
I supply the card to the card reading/writing unit 4, and have the transaction person input the first and second PIN numbers, or one of these PINs, and the personal registration number of the store used from the operation unit,
It is also possible to write this into the memory section of the card and issue it as a substitute card so that transactions can be made at a plurality of stores with this substitute card without depositing the regular card. However, of course, for security reasons, this substitute card should be collected each time it is used.

Either one or both of card storage and supply is configured with a device different from the original 8゛l''Ml, and operations such as entering a password can be performed from a separate device, It is also conceivable that the original processing time on the ATMI side is not changed.

In this example, we have explained that the card storage number "57" is set from the beginning on the card itself.
Only when a request to store the card is given, the card storage number 57 is stored on the magnetic strip of the card 60.
It is also conceivable that the information is stored in a storage unit such as the Live 61 and a personal information memory on the customer's center 13 side. This is a method in which the card storage number 57 is stored sequentially as a series of serial numbers only for customers who wish to store the card.
Since the cards are stored one after another in 0, the card storage shelf 70 may have a small capacity, and the ATMI can be made smaller and the price can be reduced. This method uses card 60
When withdrawing a card, the operating range of the card holder 72 is small and the transaction time is reduced. Naturally, if the customer does not wish to store the card 60, the card storage number 57 in the customer's personal memory at the center 13 is deleted4.
Furthermore, when storing a card, an empty card storage number 57 is automatically searched and determined, and the already stored 111 card storage number 57 is deleted and a new one is entered. Of course, a different card storage number 57 is set each time the card is stored, or there is no problem for the customer even if the card storage number 57 changes.

As shown in the above embodiment, the card storage number 57 corresponds to the location of the card storage shelf 70 on the card 60 itself.
Since the card 60 can be stored and supplied based on this setting, processing can be performed in a short time, and the card 60 can be stored and supplied based on this.
0 There is no need to judge the authenticity of all items, saving transaction time, improving operational efficiency and color. TM is provided, allowing individual cards issued by department stores, convenience stores, hair salons, gas stations, etc., and the frequency of use. It is useful for cards with few customers, cards that only have 6 fb in Icheon, etc., for customer interest = 19.

In addition, this embodiment system allows entry by card ii.
It can be applied to f management, permission management of restricted areas, systems for opening and closing locks of houses, cars, safes, and other cards, and as a device for storing cards.

〔Effect of the invention〕

By implementing the present invention, it is possible to provide a TM that does not require the customer to carry or store the card at all times, and allows the customer to store the card for a long period of time and perform desired transactions by withdrawing the card according to the customer's choice of white meat. This provides excellent security and has great practical value as a part of crime prevention and customer service in card transactions.

[Brief explanation of the drawing]

Fig. 1 is a block diagram of an ATM showing an embodiment of the present invention, Fig. 2 is an operation flow diagram, and Figs. FIG. 4 is an embodiment diagram showing the contents of the personal information memory of the present invention,
Fig. 5 is a perspective view of the card according to the embodiment jIi of the present invention, Fig. 11 is an explanatory diagram of the operating principle of the card storage shelf of the embodiment of the present invention,
2 is an explanatory diagram of the correspondence between the card storage number C3 and the location of the embodiment shown in FIG.
']'M) 2...Operation section: 3.Display section
4 ・Card reading section 5...Passbook reading/writing section 6...Card storage supply section 10...Control section
11...Storage unit 12...Line control unit
13...Center 60...Card 6]
...Magnetic stripe 62 ・Embossed symbol 70
...Card storage shelf 7I...Plate spring 72.
...Card holding body 73.74...Stepping motor

Claims (1)

[Claims] 1. A transaction system using an automatic transaction device using a card as a medium, comprising: a device that performs the transaction by inserting the card and inputting a first password; and storing personal information necessary for the transaction. a card storage and supply unit that stores and supplies the card according to a card storage number set for each card; and a card storage and supply section that stores and supplies the card according to the card storage number set for each card; 1. A transaction system using an automatic transaction device, comprising: a control means for checking; and a control section for performing a transaction by comparing the personal information with the personal information by inputting a second password. 2. The transaction system using an automatic transaction device according to claim 1, wherein the card storage number is configured to correspond to a location of the card storage supply section. 3. The transaction system using an automatic transaction device according to claim 1, wherein the card storage number is controlled to be stored in the personal information memory by input from a user who instructs card storage. 4. The transaction system using an automatic transaction device according to claim 1, wherein the card storage number is set in the memory of the card.