JPH06139432A - Automatic transaction device with lost card processing function - Google Patents

Abstract

PURPOSE:To deal with a card loss notice and an entire recovering procedure by regulating the transactions of a lost card by a card transaction regulation cancel control means, issuing a substitute card, and canceling the regulation of transactions after the lost card is found. CONSTITUTION:When a customer selectively inputs the card loss procedure items displayed on a CRT 12, a CPU 21 confirms the collation data on the account number, the password number, etc. Thus a center 32 regulates the transactions of the lost cash card to each terminal equipment and then issues a substitute paper card where the loss procedure data are recorded. When the lost card is found, both the found card and the substitute card are accepted. Then the center 52 confirms the collation of data via the CPU 21 and cancels the regulation of the card transactions to output the regulation cancel signal to each terminal. Thus it is just required to carry out the input operations to report the card loss and the recovering procedure of the card transaction. Then the service counter work can be surely saved.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automated teller machine used in, for example, banking, and more specifically, an automatic transaction machine with a lost card processing function that simplifies the procedure for lost cards when a card such as a cash card is lost. Regarding trading machines.

[0002]

2. Description of the Related Art Generally, an automatic transaction machine of this kind has transaction items such as deposit, withdrawal, transfer, passbook entry, and balance inquiry as shown in Japanese Patent Application No. 1-311426 of the prior application. It is used as a dedicated machine.

By the way, when a customer loses a registration card such as a cash card, the customer goes to the counter of the financial institution to which the card is issued and submits a card loss report. In order to prevent unauthorized use of the card by the company, the transaction of the card is regulated. In addition, if we continue to request card transactions, we reissue the newly set registration card.

However, in this case, it is necessary to submit the lost card report to the window, and even if the lost report is made by telephone, the window operation procedure is required at a later date, and the customer and the window for receiving and processing it. Even if a lost card is found later, it is not available because it is ineffective, and it takes time to create a reissued card, and the customer needs to change the PIN code When the card is lost, there is a problem that post-processing takes time and effort.

[0005]

SUMMARY OF THE INVENTION It is therefore an object of the present invention to provide an automatic transaction machine with a lost card processing function, which does not require a window service when a card is lost and can carry out procedures when the card is lost. And

[0006]

The present invention is an automatic transaction machine comprising a card transaction means for performing card transactions using a registration card and a paper card issuing means for issuing paper cards. A lost card procedure input means for inputting lost procedure information is provided, and when the lost card procedure input means is operated, the card transaction of the lost registration card is regulated and the paper card recording the lost procedure data is used as the above-mentioned paper. When a lost registration card is found after it is issued by the card issuing means, the registration card and the previously issued paper card are accepted and the result of checking the data collation results in the deregulation of card transactions Deregulation of card transactions It is characterized in that it is an automatic transaction machine with a lost card processing function equipped with a control means.

[0007]

According to the present invention, when the customer performs the procedure for losing the registration card through the automatic transaction machine, if the customer inputs predetermined information through the lost card procedure input means, the card transaction regulation release control means. Regulates card transactions for lost registration cards and issues paper cards with lost procedure data recorded by paper card issuing means. On the other hand, when the lost registration card is subsequently discovered, the card transaction regulation release control means accepts the registration card and the previously issued paper card, and the card of the registration card found as a result of confirming the data collation. Deregulate transactions.

[0008]

As a result, the customer can handle the card loss report and the card recovery procedure by the automatic transaction machine, and can omit the window service of the financial institution. As a result, it is possible to save time and labor for the staff, improve the serviceability to the customer, and certainly simplify the post-processing when the card is lost. In particular, since it is possible to easily perform the setting operation for restricting / releasing card transactions, it is possible to promptly take corrective action, and it is possible to use a registration card that was discovered later, and it is possible to reduce the number of reissue cards. Furthermore, if a paper-made low-cost paper card can be used as a substitute for a lost registration card, the reissuance of a resin-made high-cost registration card can be accurately reduced.

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. The drawing shows an automatic teller machine with a lost card processing function. In FIG. 1, the automatic teller machine with a lost card processing function is provided on the upper front surface of the device main body 11,
A CR that also functions as a touch panel to display and guide transaction operations to customers
T12, passbook entry / exit 13, bill entry / exit 14, coin entry / exit 15, card entry / exit 16, handling indicator 17
And a call button 18 for a customer to call an attendant, and has an automatic transaction function for deposit, withdrawal, transfer, passbook entry, balance inquiry, and card loss procedure.

FIG. 2 shows a block diagram of a control circuit of the automatic teller machine with a lost card processing function, and the CPU 21 is an R
Each circuit device is controlled according to the program stored in the OM 22, and the necessary data is stored in the RAM 23 so that it can be read.

The CPU 21 is the interface 2
CRT 12 and touch panel switch control unit 2 via
5, card reader 26, passbook processing unit 27, banknote processing unit 2
8, coin processing unit 29, slip processing unit 30, communication processing unit 31
Are connected.

Of these, the CRT 12 displays transaction guidance such as deposit and withdrawal transactions and display guidance such as card loss procedures and the operating procedure thereof, and the touch panel switch control unit 2
Reference numeral 5 controls a touch input signal which is touch-input corresponding to the display portion displayed on the screen of the CRT 12.

The card reader 26 reads the transaction data of the cash card or paper substitute card inserted from the card slot 16 and writes the updated data, and at the end of the transaction and the cancellation of the deposit / withdrawal, the card is inserted into the card slot. Emitted from 16.

The passbook processing unit 27 reads the transaction data of the passbook inserted from the passbook entry / exit 13 and writes the updated data, and records the transaction data and unregistered data in the passbook print field. . Further, when the transaction is completed and the withdrawal / withdrawal is cancelled, the passbook is returned from the passbook entrance / exit 13.

The banknote processing unit 28 takes in the banknotes deposited from the banknote inlet / outlet 14 into the main body 11 of the apparatus and accepts the banknotes, and discharges the banknotes from the banknote inlet / outlet 14 during withdrawal and withdrawal of the banknotes. .

The coin processing unit 29 takes in the coins received from the coin inlet / outlet 15 into the inside of the apparatus main body 11 to receive the coins and processes the coins at the time of withdrawal and withdrawal of the coins.
Release treatment from 5.

The slip processing unit 30 issues a slip in which transaction data of various transaction contents such as deposit and withdrawal transactions are described for each transaction.

The communication processing unit 31 sends the edited deposit / withdrawal request message, bookkeeping request message, card loss procedure request message, etc. to the center 32, and the deposit / withdrawal reply, unregistered data and the current account data sent from the center 32. Receive and process entry data such as transaction amount and balance, and card loss procedure data.

The paper substitute card issuing unit 33 issues a paper substitute card as a substitute card for a normally used cash card, and based on a substitute card issue signal from the CPU 21, a predetermined magnetic data is generated by the card reader 26. A paper substitute card, which will be described later, is recorded at the card slot 16.

By the way, the CPU 21 has a lost card processing function for automatically processing all the lost procedures in the main body 11 of the apparatus, without the need for window service in the procedure of losing the cash card. As shown in FIG. 3, the input item of the card loss procedure is displayed on the transaction selection screen of the CRT 12, and the customer selects and touches the item of the card loss procedure from the various transaction item keys displayed on the CRT 12. When input, the CPU 21 inputs the collation data such as the customer's account number and personal identification number to confirm the collation, and based on this, the center 32 regulates and outputs the card transaction for the lost cash card to each terminal, At the same time, a paper substitute card with magnetic recording of lost procedure data will be issued to trading customers.

On the other hand, when the lost cash card is subsequently found, if this cash card and the paper substitute card previously issued are accepted, the center 32 confirms the collation of the data through the CPU 21. The card transaction of the cash card is released, and this restriction release signal is output to each terminal. As described above, the customer can deal with the loss report of the cash card and the recovery procedure of the card transaction only by inputting the operation into the apparatus main body 11, and the contact work can be surely reduced.

FIG. 4 shows a paper substitute card 41 issued when a cash card is lost. This paper substitute card 41 identifies customer ID data, approval code, financial institution number, account number, balance data, etc. The format is magnetically recorded, and by creating a paper substitute card 41 having this format, if the paper substitute card 41 is inserted into the card slot 16 together with the cash card when the card transaction is restored. , The card data is automatically read, and the data is checked and verified immediately for restoration, and the regulation / cancellation measures for the card loss procedure can be taken immediately.

The processing operation of the automatic teller machine with a lost card processing function thus configured will be described with reference to the flowcharts of FIGS. 5 and 6. FIG. 5 shows a cash card loss report acceptance processing operation. Normally, the CRT 12 of this automatic teller machine, as shown in FIG. 3, performs deposit, withdrawal, transfer, passbook entry, balance inquiry, and card loss procedure. By displaying the transaction selection screen of various transaction items and waiting for transactions, by selecting and touching one of the item keys, the transaction procedure corresponding to the transaction is displayed and guided.
The transactions selected in sequence are executed to execute the selected transaction (steps n1 to n2).

When the transaction item of the card loss procedure is touch-input, the CPU 21 displays the output on the CRT 12 so as to insert the transaction passbook or input the transaction account number in order to identify the person (step). n3),
When a passbook corresponding to the transaction is inserted or an appropriate personal identification number corresponding to the transaction is input (step n4 ~
n5), the CPU 21 communicates with the center 32 and transmits a regulation request message for regulating card transactions for lost cash cards. If the center 32 accepts this and accepts the transmission data (steps n6 to n7), the CPU 21 A paper substitute card 41 magnetically recording the lost procedure data is issued, and if a passbook is inserted for verification, the passbook is returned and the loss report process is completed (step n8-).
n11).

If a passbook that does not support transactions is inserted or an incorrect PIN is entered during this input operation, the center 32 rejects the acceptance and informs the CRT 1 that the transaction is unsuitable.
Display guidance on step 2 (step n12).

Next, when the lost cash card is found after the loss procedure, the card transaction is restored, and the operation for canceling the lost report of the cash card at this time will be described with reference to the flowchart of FIG.

When the customer selects a transaction selection screen for the card loss procedure of the CRT 12 and touch-inputs the transaction selection screen while displaying various transaction selection screens and waiting for the transaction (steps n21 to n22), the desired procedure is performed. Display guidance,
The customer inserts a passbook or a cash card according to the display procedure, and then inserts the paper substitute card 41 issued previously (steps n23 to n24).

As a result, the CPU 21 confirms the collation data such as the transaction account number of the inserted passbook or cash card corresponding to the paper substitute card 41, and if the collation confirmation is performed (steps n25 to n26), the CPU 21 determines the center. Three
If the center 32 accepts the communication data and accepts the communication data by transmitting a deregulation request message for deregulating the card transaction for the lost cash card by communicating with the card 2, the CPU 21 makes the paper substitute card. 41 is collected, and the passbook or cash card inserted for verification is returned to complete the lost report cancellation process. As a result, the center 32 outputs a regulation release signal for the corresponding card transaction to each terminal and restores it (steps n30 to n31).

If an incorrect input is made during the input operation, such as a bankbook or a card that does not support transactions, the center 32 rejects the acceptance and the paper substitute card 41
Is returned and the fact that the transaction is inappropriate is displayed and guided on the CRT 12 (steps n32 to n33).

As described above, the customer can handle the loss report of the cash card and the card recovery procedure by the automatic transaction machine, and can omit the window work of the financial institution. As a result, it is possible to save time and labor for the staff, improve the serviceability to the customer, and certainly simplify the post-processing when the card is lost. In particular, since it is possible to easily perform the setting operation for restricting / releasing card transactions, it is possible to promptly take corrective action, and it is possible to use a registration card that was discovered later, and it is possible to reduce the number of reissue cards. Furthermore, if you can replace a lost registration card with a low-cost paper card made of paper,
It is possible to accurately reduce the reissuance of high-cost resin registration cards.

In the correspondence between the present invention and the configuration of the above-described one embodiment, the automatic transaction machine of the present invention corresponds to the apparatus main body 11 of the automatic teller machine of the embodiment, and hereinafter, similarly, the registration card is , A cash card, a card transaction means corresponds to the card reader 26, a paper card issuing means corresponds to the paper substitute card issuing section 33, and a lost card procedure input means corresponds to the CRT 12 and the touch panel switch control section 25. The card transaction restriction release control means corresponds to the CPU 21 and the center 32, and the paper card corresponds to the paper-making substitute card 41. However, the present invention is limited to the configuration of the above-described embodiment. is not.

[Brief description of drawings]

FIG. 1 is an external perspective view of an automatic teller machine with a lost card processing function of the present invention.

FIG. 2 is a block diagram of a control circuit of the automatic teller machine according to the present invention.

FIG. 3 is an explanatory view showing a display guide example of a transaction selection screen of the present invention.

FIG. 4 is a plan view showing an example of the paper substitute card of the present invention.

FIG. 5 is a flowchart showing a cash card loss report acceptance processing operation of the present invention.

FIG. 6 is a flowchart showing the operation for canceling the lost card notification of the present invention.

[Explanation of symbols]

 11 ... Device main body 12 ... CRT 21 ... CPU 25 ... Touch panel switch control unit 26 ... Card reader 32 ... Center 33 ... Paper substitute card issuing unit 41 ... Paper substitute card

Claims (1)

[Claims] 1. An automatic transaction machine comprising a card transaction means for making a card transaction using a registration card and a paper card issuing means for issuing a paper card, wherein the lost card is for inputting the procedure for losing the registration card. A procedure input means is provided, and when the lost card procedure input means is operated, the card transaction of the lost registration card is regulated, and a paper card recording lost procedure data is issued from the paper card issuing means. When a lost registration card is subsequently discovered, the registration card and the paper card issued earlier are accepted, and as a result of confirming the data collation, the lost card processing including the card transaction restriction release control means for releasing the card transaction restriction Automatic transaction machine with functions.