JPH07146906A - Automatic teller machine - Google Patents

Abstract

PURPOSE:To improve service to customers by providing a means which sends card-absence information and information on a financial institute name, etc., to a host instead of information of a card and performing transactions when receiving a transaction permit answer from the host. CONSTITUTION:A card presence/absence specification part 11 displays a picture at a display/input part 20 and makes a customer specify whether or not the customer carries a cash card. A card information specification part 12 functions to make the customer specify the issue financial institute name, issue branch office name, and account number of the cash card when the customer specifies the absence of the card. A transaction process part 13 sends the card-absence information and the information including the specified financial institute name, branch office name, and account number as information substituting for the cash card that the customer has to the host through a communication control part 30. Then when the transaction permit answer is received from the host, the transaction process is carried out without the card.

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 (ATM) used in financial institutions and the like, and more particularly to a structure for conducting transactions without using a cash card.

[0002]

2. Description of the Related Art Today, automatic transaction devices are widely used in financial institutions and the like, which contributes to improvement of services to users and labor saving of window services in financial institutions. In such an automatic transaction device, a customer can perform transactions such as deposit / withdrawal and transfer by using a cash card or a passbook.

For example, in a payment transaction using a cash card in an automatic transaction device, a customer inserts a cash card in the automatic transaction device and then inputs a personal identification number, a withdrawal amount, and the like. As a result, the automated teller machine reads the information recorded on the cash card, and transmits this information and the input personal identification number, amount information, etc. to the host managing the automated teller machine. Then, the host side checks the identity of the cash card and judges whether the balance of the deposit amount is more than the specified amount based on the sent information, and when it is confirmed that the transaction is possible, a message to that effect is sent. Is sent back to the automated teller machine. Automatic transaction equipment,
By receiving this response, the payment process of the amount desired by the customer is performed.

[0004]

However, in the above-mentioned automatic transaction apparatus, transactions are carried out by using a cash card or a passbook, so that, for example, a customer may want to withdraw money when he / she does not have a cash card. In such a case, there is a problem in that it is inconvenient for the customer because he / she cannot make a transaction at all without a cash card.

Further, even if the customer loses the cash card, the automatic transaction device cannot be used for 10 to 20 days until it is reissued. You must bring your seal and passbook to. Such a work is very inconvenient for the customer, and the financial institution side also has a problem that the automatic transaction device is not effectively used and the burden of the counter work is increased.

The present invention has been made to solve the above-mentioned conventional problems, and an object of the present invention is to provide an automatic transaction apparatus capable of cardless identification and improving service to customers. To do.

[0007]

An automatic transaction device according to a first aspect of the present invention is an automatic transaction device which performs transaction processing with a customer based on a card for identifying the customer, and specifies whether or not the card is present by the customer. Section and the card presence / absence designation unit, when no card is designated, the card information designation unit for designating the issuing financial institution name, the issuing branch name, and the account number of the card, and the card presence / absence designation unit are designated. The information including the card-less information and the financial institution name, branch name and account number information designated by the card information designation section is transmitted to the host instead of the information of the card, and the transaction can be performed from the host. And a transaction processing unit for conducting a transaction without the card.

The automatic transaction apparatus of the second invention is an automatic transaction apparatus for performing transaction processing with a customer based on a card for identifying a customer, and a card issuance designation for accepting an issuance designation of a temporary card in place of the card from the customer. Section, and when the issuance of a temporary card is designated by the card issuance designation section, a card information designation section for designating the issuing financial institution name, issuing branch name and account number of the card, and the issuance designation section are designated. Information including the provisional card issuance request information and the financial institution name, branch name, and account number information specified by the card information specification section is sent to the host, and a response of issuance is possible from the host. In this case, a provisional card issuing unit for issuing the provisional card is provided.

[0009]

In the automatic transaction apparatus of the first aspect of the invention, when a customer makes a transaction with the automatic transaction apparatus, it is first designated whether or not the transaction is without a card. If the customer specifies that there is no card, the automatic transaction device first specifies the type of financial institution that issued the card, then the financial institution name, then the branch name,
Specify the account number. Then, the automatic transaction device creates a message based on these information and sends it to the host. When the host receives the electronic message, the host determines whether or not the transaction used the card based on the card used / unused flag in the electronic message. When the transaction is a card unused transaction, the same process as the ordinary card transaction is performed such as matching of the personal identification number and the host side manages the validity code of the card. If the result of the collation is that the transaction is possible, a message to that effect is transmitted to the automatic transaction device. When the automatic transaction device receives a response indicating that the transaction is possible from the host, the automatic transaction device performs various transactions in the same manner as a normal card transaction.

In the automatic transaction apparatus of the second invention, when the customer loses the cash card and specifies the issuance of the temporary card, the password of the lost card, the issuing financial institution type, and the financial institution are the same as in the first invention. Name, branch name, and account number are specified, and a message is sent to the host based on this information. When the host receives this card issuance request message, it first determines whether there is a lost card contact,
If it has been contacted, the data of the temporary card to be issued is created and transmitted to the automatic transaction device. On the other hand, if it is not reported that the card has been lost, a message that the card cannot be issued is created and sent to the automated teller machine. In automatic transaction equipment,
When the response from the host is that the card can be issued, the card is issued, stripe data is written based on the card data, and the card is handed to the customer. If the response from the host is that the card cannot be issued, a message to that effect is displayed.

Further, in the case of conducting a transaction of the automatic transaction device with the issued temporary card, when the host receives a message from the automatic transaction device, the host checks whether the card is reissued,
If it has not been reissued, proceed with normal transaction processing.
On the other hand, if the card has already been reissued, a message indicating that the transaction with the temporary card is impossible is transmitted to the automatic transaction device. When the automatic transaction device receives from the host a response indicating that the temporary card cannot be traded, it displays a message stating that the temporary card will not be traded and takes in the temporary card inside.

[0012]

Embodiments of the present invention will now be described in detail with reference to the drawings. FIG. 1 is a block diagram showing a first embodiment of the automatic transaction device of the present invention. The illustrated apparatus includes a control unit 10, a display / input unit 20, and a communication control unit 30.

The control unit 10 has a function of performing various transaction processes as an automatic transaction device, and has a card presence / absence designation unit 11,
A card information designating section 12 and a transaction processing section 13 are provided. The card presence / absence designation unit 11 has a function of displaying a screen, which will be described later, on the display / input unit 20 and allowing the customer to designate the presence / absence of a cash card. Card information designation section 1
Reference numeral 2 denotes a card presence / absence designating unit 11 having a function of designating the issuing financial institution name of the cash card, the issuing branch name, and the account number when the customer designates no card. Further, the transaction processing unit 13 has a cash that the customer has, including information indicating that there is no card specified by the card presence / absence specifying unit 11 and information including the financial institution name, branch name and account number specified by the card information specifying unit 12. As a substitute for the card, it has a function of transmitting the information to the host through the communication control unit 30 and performing a transaction process without the card when a response indicating that the transaction is possible is received from the host.

The card presence / absence designating section 11 to transaction processing section 13 are configured by a processor, which will be described later, executing a program corresponding to each component, or a dedicated processor.

The display / input unit 20 is composed of a display and an input unit provided on the display, which is a so-called touch panel, and has a function of displaying various messages to the customer and selecting them. There is. The communication control unit 30 transmits various information from the control unit 10 to a host via a communication line, receives information from the host, and transfers the information to the control unit 10 for communication control. It is a device.

2 and 3 are a block diagram of the internal structure of the automatic transaction apparatus and an external view of the automatic transaction apparatus. The configuration shown in FIG. 2 includes a processor 1, a memory 2, a card read / write device 3, a passbook entry device 4, a bill depositing / dispensing machine 5, a display 6, a touch sensor 7, a coin depositing / dispensing machine 8, a hard disk 9, and a bus 10. . 3, 20 is the display / input unit shown in FIG. 1, 21 is a coin deposit / withdrawal port, 22 is a banknote deposit / withdrawal port, 23 is a passbook insertion / ejection port, and 24 is a card insertion / ejection port.

In FIG. 2, a processor 1 is a central processing unit that controls various operations of the automatic transaction apparatus, and by executing various programs, for example, the card presence / absence designation section 11 to transaction processing section of FIG. 13 is configured to perform deposit / withdrawal operations and the like. The memory 2 is the processor 1
Stores programs to be executed and various data,
This is a memory for configuring a work area executed by the processor 1. The card read / write device 3 has a function of reading and writing data in a cash card inserted from a card insertion / ejection port 24 by a customer and issuing a transfer card and the like.

The passbook entry device 4 is a device for reading data of a passbook inserted by the customer through the passbook insertion / ejecting port 23 and for entering transaction results. The banknote pay-in / pay-out device 5 is a device that deposits and withdraws banknotes using the banknote pay-in / pay-out port 22.
Further, the coin depositing / dispensing machine 8 is a device for depositing and dispensing coins through the coin depositing / dispensing port 21. The display 6 and the touch sensor 7 correspond to the display / input unit 20. The display 6 is a CRT or the like, and the touch sensor 7 is a pressure sensor that detects a pressed position on the display 6, or the pressed position is optically detected. It is composed of an optical sensor for detecting. The hard disk 9 is a storage device for storing an operation program of the automatic transaction device, information on transaction results, and the like.

Next, the operation of the above embodiment will be described. 4 and 5 are display screens of the display / input unit 20 showing the operation. In the automatic transaction device, when the customer actually conducts a transaction, the procedure to start the transaction is "transaction selection precedent" in which the card is inserted after pressing the transaction key.
There are two methods, "card advance", in which the transaction key is pressed after inserting the card. Since there are slight differences in the procedure only at the entrance of the operation according to the two operations performed by the customer, that part will be described individually.

First, in the case of the "transaction selection precedent" method, the transaction selection screen is displayed first, and the customer is given "payment" and "payment".
Select the type of transaction such as (Procedure 1). When this selection is made, the card presence / absence designation unit 11 displays a cash card presence / absence selection screen, and the customer designates the presence / absence of a cash card (step 2). This procedure 2
If there is a cash card, the card insertion instruction screen is displayed (procedure 3), and then the current processing is performed. On the other hand, when the customer specifies that there is no cash card in the above procedure 2, the card information designating unit 12 then gives an instruction to input the personal identification number (procedure 6).

In the case of the "card precedent" method, the card presence / absence designation unit 11 first designates the presence / absence of a card (procedure 4). Here, when the customer inserts the cash card, the current customer operation is performed, and when the customer presses the “no card” key, transaction type selection processing is performed next (procedure 5). After that, like the above-mentioned “transaction selection precedent”, the process shifts to the secret code input process of step 6.

In the personal identification number input process of step 6, a predetermined personal identification number is input as in the current operation. Then, in order to determine from which financial institution the cash card owned by the customer was issued, the card information designation unit 12 first selects the financial institution type (procedure 7), and then selects the financial institution name. (Procedure 8). After that, in order to determine the issuing branch name of the cash card, first select the branch initial of the financial institution (step 9), and if this branch initial is specified, the corresponding branch name is based on this initial. Is displayed and the customer is prompted to select (procedure 10). Furthermore, input processing of account number of cash card is performed (procedure 1
1) By this, the input of the items required when there is no card for the customer is completed. After that, the current customer operation such as the amount input is performed.

Next, the data processing without the above card will be described. The transaction processing unit 13 includes a card presence / absence designation unit 11
And the information such as card-less information, personal identification number, financial institution name, branch name, and account number designated by the card information designation unit 12 is transmitted to the host as a telegram.

FIG. 6 is an example of a message sent from the automatic transaction device to the host. As a telegram, a flag with the meaning of used / unused cash card is newly created, and the financial institution number and branch number entered by the customer in the card stripe data area prepared for the current card transaction. , Set the account number and create a transmission message. The transaction processing unit 13 transmits such a message to the host via the communication control unit 30. When the host receives this message, it performs the corresponding processing according to the used / unused flag of the cash card. That is, when the card is not used, the validity code is managed by the host. The validity code is a code indicating the validity / invalidity of the cash card, such that if an incorrect personal identification number is input a predetermined number of times or more, the card cannot be used for transactions. For other processing, the information contained in the card stripe data area is collated as in the case of a normal card transaction, and if the collation result is OK, a message to that effect is sent to the automatic transaction device side.

As described above, according to the first embodiment, when the customer uses the automatic transaction apparatus, he / she can make a transaction without a card, so that the utility value of the automatic transaction apparatus is very high for the customer.

Next, a second embodiment will be described in which a cardless operation is carried out and a temporary card is issued which allows the automatic transaction apparatus to be used even before the main card issuance when a cash card is lost. FIG. 7 is a block diagram showing its configuration. The illustrated apparatus includes a control unit 40, a display / input unit 20, and a communication control unit 30. The control unit 40 has a function of performing transaction processing as an automatic transaction device, as in the first embodiment.
A card issue designation unit 41, a card information designation unit 42, and a temporary card issue unit 43 are provided.

The card issuance designation unit 41 includes a display / input unit 2
A screen to be described later is displayed at 0, and a function for accepting the temporary card issuance designation to the customer is provided. The card information designation unit 42 has a function of designating the issuing financial institution name of the cash card, the issuing branch name, and the account number when the card issuance designation unit 41 designates the card issuance by the customer. In addition, the temporary card issuing unit 43 is the card issuing designation unit 4
1. Information including the provisional card issuance request information designated by No. 1 and the financial institution name, branch name and account number designated by the card information designating section 42 is transmitted to the host through the communication control section 30, and the host It has a function of issuing a temporary card when it receives a response that the issue is possible. The display / input unit 20 and the communication control unit 30 have the same configurations as those in the first embodiment. Since the internal structure and appearance of the automatic transaction device in the second embodiment are the same as those in the first embodiment, the description thereof will be omitted.

Next, the operation of the second embodiment will be described. 8 and 9 are explanatory views showing the operation up to the issuance of the temporary card. First, the card issuance designation unit 41 displays a transaction selection screen on the display / input unit 20 and also displays a “card issuance” key for issuing a temporary card when the cash card is lost. (Procedure 1).

In step 1, when the "issue card" key is pressed, the card information designating section 42 instructs the input of the personal identification number (step 2). When the personal identification number is input, the financial institution of the lost card is instructed. The type is designated (procedure 3). Next, specify the financial institution name of the lost card (step 4),
Further, the initials of the branch name are input (step 5), the branch name is designated (step 6), and the account number is input (step 7). Note that these information inputs are performed in steps 6 to 6 of the first embodiment shown in FIGS.
It is similar to the procedure 11.

When all the inputs are completed in step 7, the temporary card issuing unit 43 creates a message based on the input data,
It is transmitted to the host via the communication control unit 30 (procedure 8).
As with the first embodiment, the data of this electronic message includes a personal identification number, a financial institution number, a branch number, an account number, and information indicating card issuance.

When the host side receives the card issuance request message from the automatic transaction device (procedure 9), it judges whether or not the account has received a lost contact (step S1). If the contact has been made, the card stripe data is sent. A response message indicating that the card can be issued is created (step S2) and transmitted to the automated teller machine (step S4). On the other hand, if the account has not been contacted, a response message that the card cannot be issued is created (step S3), and the transmission process of step S4 is performed.

When the automatic transaction apparatus receives a response message from the host (procedure 9), if the response message is card issuable, it issues a card (procedure 10) and writes stripe data (procedure 11). The card is discharged from the card insertion / ejection port 24, and a display to that effect is displayed on the display / input unit 20 (step 12).

FIG. 10 shows the format of the issued temporary card. Similar to the original cash card stripe data, this temporary card has a data area such as a personal identification number, bank number, branch number, account number, etc., and an issuance management number in a spare field so that the card can be recognized as a temporary card. The issuance management number manages the recognition of the temporary card and the issuance date. With such a temporary card, the customer can carry out transactions with the automatic transaction device until the reissue of the cash card.

On the other hand, when the response message from the host is not card issuable, a message "please contact me for loss" is displayed on the display / input unit 20 and the card is not issued (step 13). . As described above, since the temporary card is issued only to the account that has been lost, it is possible to prevent illegal use.

Next, a procedure for conducting a transaction with the issued temporary card will be described. In the automatic transaction device, the transaction operation performed by the customer with the temporary card is the same as that of a normal cash card. When the host receives the transaction request message from the automatic transaction device, the host processes as follows.

FIG. 11 is an operation flowchart of the host. First, when a transaction request message is received from the automatic transaction device (step S1), it is determined from the message content whether the card used is a normal cash card or a temporary card (step S2). Here, if it is a temporary card, it is checked whether or not the cash card has already been reissued (step S3), and if it has already been reissued, a message indicating that the transaction cannot be made is created (step S3). S4),
The message is transmitted to the automated teller machine (step S
6). On the other hand, if the used card is a normal cash card in step S2, and step S3
In the case where it has not been reissued, the same processing as a transaction with a normal cash card is performed, a message is created (step S5), and this is transmitted (step S).
6).

On the automatic transaction device side, based on the response message from the host, if the transaction is possible and the transaction message is normal,
Proceed with the transaction the customer wishes to handle normally. Also, if the response message from the host indicates that the transaction is not possible, that is, if the cash card has been reissued, the temporary card becomes unnecessary for the customer. Please trade at
Is displayed on the display / input unit 20, and the inserted temporary card is taken into the automatic transaction device,
The process ends.

By carrying out such a procedure, the customer can carry out the transaction by the automatic transaction device as usual with the temporary card. Regarding the issued temporary card, an unnecessary card return box will be installed in the CS corner for recycling.

In each of the above-mentioned embodiments, as a method of designating the card information, a candidate for the type of financial institution or the name of the financial institution is displayed and one of the candidates is selected.
The branch number and the account number may be directly input.

[0040]

As described above, according to the automatic transaction device of the first invention, the presence / absence of the use of a cash card is designated. When no cash card is designated, the issuing financial institution name of the card and the branch Name and account number are specified, and this information is sent to the host as a substitute for card information to perform transactions, so cardless operation can be performed, customer service improvement and automatic transaction device effective Can be used.

According to the automatic transaction device of the second invention,
If the customer specifies the issuance of a provisional card, as in the case of the first aspect of the present invention, the identification of the card is performed by specifying the issuing financial institution name, branch name and account number of the card, and if the confirmation is made, the cash is issued. Since we will issue a temporary card until card reissue, if you lose your cash card, until the reissue of the cash card,
With the temporary card, it is possible to carry out a transaction of an ordinary automatic transaction device, improve the service to the customer, and contribute to the labor saving of the counter operation.

[Brief description of drawings]

FIG. 1 is a block diagram showing a configuration of a first embodiment of an automatic transaction device of the present invention.

FIG. 2 is a block diagram showing an internal configuration of the automatic transaction device of the present invention.

FIG. 3 is an external view of an automatic transaction device of the present invention.

FIG. 4 is a diagram (No. 1) showing the flow of the display screen for explaining the operation of the first embodiment of the automatic transaction device of the present invention.

FIG. 5 is a diagram (No. 2) showing the flow of the display screen for explaining the operation of the first embodiment of the automatic transaction device of the present invention.

FIG. 6 is a configuration diagram of a message sent to a host in the first embodiment of the automatic transaction device of the present invention.

FIG. 7 is a block diagram showing a configuration of a second embodiment of the automatic transaction device of the present invention.

FIG. 8 is an explanatory diagram (part 1) showing the operation of the second embodiment of the automatic transaction device of the present invention.

FIG. 9 is an explanatory diagram (part 2) showing the operation of the second embodiment of the automatic transaction device of the present invention.

FIG. 10 is a diagram showing a data format of a temporary card issued in the second embodiment of the automatic transaction device of the present invention.

FIG. 11 is a flowchart showing processing on the host side with a temporary card in the second embodiment of the automatic transaction device of the present invention.

[Explanation of symbols]

 11 Card presence / absence designation section 12 Card information designation section 13 Transaction processing section 41 Card issuance designation section 42 Card information designation section 43 Temporary card issuance section

Claims (2)

[Claims] 1. An automatic transaction device for performing transaction processing with a customer based on a card for identifying the customer, wherein a card presence / absence designation unit for allowing the customer to designate presence / absence of the card, and a presence / absence of a card If specified, the card information designating unit for designating the issuing financial institution name, issuing branch name and account number of the card, and the card absence information designated by the card presence / absence designating unit,
When the information including the financial institution name, branch name and account number information designated by the card information designation section is transmitted to the host instead of the information on the card, and a response indicating that the transaction is possible is received from the host. Is a transaction processing unit that conducts transactions without the card. 2. An automatic transaction device for performing transaction processing with a customer based on a card for identifying the customer, a card issuance designating section for accepting the issuance designation of a temporary card in place of the card from the customer, and the card issuance designation. When the issuance of a temporary card is designated by the department, a card information designating unit for designating the issuing financial institution name, the issuing branch name and the account number of the card; and the temporary card issuance request information designated by the issuing designating unit. And the information including the financial institution name, branch name, and account number information designated by the card information designating section to the host, and when the host receives a response indicating that the issue is possible, the temporary card An automatic transaction device comprising: a temporary card issuing unit for issuing