JPH0765088A - Transaction processing system - Google Patents

Abstract

PURPOSE:To increase the transaction opportunity as needed and to improve the transaction safety. CONSTITUTION:A 1st code input means M inputs the 1st code and a 2nd code input means M2 inputs the 2nd code. A 1st discrimination means M3 judges that the 1st code is correct, a registration means M4 registers the 2nd code. Later, a 3rd code input means M5 inputs the 3rd code and a transaction information input means M6 inputs the transaction information. A 2nd discrimination means M7 judges the coincidence between the 3rd code and the 2nd code registered by the registration means M4, and when judged as coincident, a transaction processing means M8 performs the prescribed transaction processing based on the transaction information.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction processing system for processing transaction information generated in, for example, a payment transaction in a financial institution, and particularly to a predetermined transaction processing based on the transaction information input when the secret code is correct. Related to a transaction processing system.

[0002]

2. Description of the Related Art At present, when conducting a cash payment transaction in a financial institution, there are the following two categories in terms of an operator. One is a case where a person who belongs to a financial institution is an operator, and an operator such as a window device inputs a transaction based on a payment request slip written by a customer to perform a transaction. The other one is a case where the customer himself / herself is an operator, and the customer himself / herself inputs a piece of information corresponding to the contents described in the payment request slip by using an automatic teller machine or the like to carry out the transaction.

In the latter automated teller machine operated by the customer himself, it is generally practiced to use a personal identification number as a method for confirming that the operator is a legitimate customer. That is, the personal identification number corresponding to the customer is registered in the host computer or the like when the customer opens an account. Then, when the customer operates the automatic teller machine, the customer requests the input of the personal identification number, and it is determined whether or not the input personal identification number and the personal identification number registered in advance in the host computer or the like match. If it does, it is supposed to be operated by a legitimate customer and cash payment processing is being performed.

[0004]

Even if a personal identification number is entered when performing a cash payment operation in an automatic teller machine or the like, there is no particular problem when the person himself or herself performs the identification number. However, there is an inconvenience in the case where the cash dispenser or the like cannot be operated by the person himself / herself due to hospitalization, urgent use, or the like, but it is absolutely necessary to obtain cash. That is, in this case, a person other than the person wants to operate the automated teller machine on behalf of the person, but the person other than the person does not know the personal identification number. No transactions are made. In order to avoid this, it is only necessary to tell the operator the secret code, but the secret code is personal confidential information, and there is a problem in securing the security of the transaction to teach it to others.

The present invention was created in consideration of the above-mentioned circumstances, and provides a transaction processing system in which the opportunity for transaction processing is increased when necessary and the transaction safety can be improved. The purpose is to do.

[0006]

[Means for Solving the Problems] In order to solve the above problems, the present invention is as follows. That is, in a transaction processing system for inputting a password and transaction information, confirming the validity of the password, and then performing a predetermined transaction process based on the transaction information, a first password input means for inputting a first password. Second secret input means for inputting a second secret code, first judging means for judging whether or not the first secret code input by the first secret code input means is correct, and the first secret code input means.
If it is determined that the determining means is correct, the registering means for registering the second password input by the second password inputting means, the third password inputting means for inputting the third password,
Transaction information input means for inputting the transaction information, and the third
Second judging means for judging whether or not the third secret code input by the secret code inputting means of the third secret code matches the second secret code registered by the registering means, and the second judging means. If it is determined that the passwords match, the transaction processing means for performing the predetermined transaction processing based on the transaction information is provided, and the secret code and the transaction information are input to verify the validity of the secret code. After confirmation, in a transaction processing system for performing a predetermined transaction processing based on the transaction information, a first password input means for inputting a first password, and a second password input means.
Second secret input means for inputting the secret code, additional information input means for inputting additional information, and first judgment for judging whether or not the first secret input by the first secret input means is correct. When the determination means and the first determination means determine that it is correct, the second password input by the second password input means and the additional information input by the additional information input means are registered. Means, third password input means for inputting a third password, transaction information input means for inputting the transaction information, and the third password input by the third password input means, the registration A second determining whether or not the second secret code registered by the means matches
When it is determined that the determining means of the above and the second determining means match each other, it is determined whether or not it is possible to conduct a transaction according to the transaction information based on the additional information registered by the registration means. And the transaction processing means for performing the predetermined transaction processing based on the transaction information when the third determination means determines that the input is possible. There is a device and a processing device, the input device and the processing device are connected by a communication line, and the secret code and transaction information are input, and when the secret code is correct, predetermined transaction processing is performed based on the transaction information. In the transaction processing system, the input device is
First password input means for inputting a first password, second password input means for inputting a second password, the first password and the second password through the communication line, and the processing is performed. A processing means for transmitting to the device, the processing device includes a receiving means for receiving the first secret code and the second secret code transmitted by the transmitting means via the communication line, and the receiving means. First determining means for determining whether or not the received first secret code is correct, and if the first determining means is correct, register the second secret code received by the receiving means. Registration means, third password input means for inputting a third password, transaction information input means for inputting the transaction information, and third password input by the third password input means, The second registered by the registration means A second judging means for judging whether or not it matches the secret code, and a transaction processing means for carrying out the predetermined transaction processing based on the transaction information when the second judging means decides that they match. It was decided.

[0007]

According to the present invention, in the transaction processing system having the above structure, first, the first secret code input means inputs the first secret code, and the second secret code input means inputs the second secret code. First
If the determination means determines that the first password is correct, the registration means registers the second password. Later, the third password input means inputs the third password, and the transaction information input means inputs transaction information. The second judging means judges whether the third secret code matches the second secret code registered by the registering means, and when it judges that they coincide, the transaction processing means performs a predetermined transaction process based on the transaction information. And the first password input means inputs the first password,
The second password input means inputs the second password, and the additional information input means inputs the additional information. If the first judging means judges that the first secret code is correct, the registration means registers the second secret code and the additional information. Later, the third password input means inputs the third password, and the transaction information input means inputs transaction information. The second judging means judges whether the third secret code matches the second secret code registered by the registering means, and when it is judged that they match, the third judging means further registers by the registering means. Based on the existing additional information, it is determined whether the transaction can be performed according to the transaction information. If it is determined that the transaction is possible, the transaction processing means performs predetermined transaction processing based on the transaction information. Further, in the input device, the first password input means is the first password input means. And the second password input means inputs the second password. Then, the transmitting means transmits the first secret code and the second secret code to the processing device via the communication line. In the processing device, the receiving means receives the above-mentioned first password and second password through the communication line. The first determination means is the first
If it is determined that the password is correct, the registration means registers the second password. Later, the third password input means inputs the third password, and the transaction information input means inputs transaction information. The second judging means judges whether the third secret code and the second secret code registered by the registering means match each other. When it is judged that they match, the transaction processing means performs a predetermined transaction process based on the transaction information. It was decided to do.

[0008]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to the drawings. 1 is a conceptual diagram of the present invention, FIG. 2 is a hardware configuration diagram of an automatic transaction device, FIG. 3 is a hardware configuration diagram of a voice response device, FIG. 4 is a hardware configuration diagram of a host computer, and FIG. FIG. 6 is a flowchart of the agent registration process (No. 1), and FIG.
8 is a flowchart of agent registration processing (No. 2), FIG. 8 is a flowchart of processing in the automatic transaction device, FIG. 9 is a flowchart of processing in the host computer (No. 1), and FIG. 10 is flowchart of processing in the host computer (No. 2). 11 shows an example of customer information.

FIG. 2 is a hardware configuration example of an automatic transaction apparatus to which the present invention is applied. Reference numeral 1 is an automatic transaction device installed in each branch office of the bank. 3 is a host computer (hereinafter referred to as "HOS" installed in an office center, etc.
In this embodiment, the line is connected to the automated teller machine 1 via a terminal control device or the like (not shown). Further, the automatic transaction device 1 includes a processor 101,
Memory 102, floppy disk device 103, communication control unit 104, disk (hereinafter referred to as "DK") control unit 105, DK 106, keyboard 107, display unit 10
8, printing unit 109, card reading unit 110, cash processing unit 1
11 and a timer 112 and the like.

FIG. 3 shows a voice response device 2 to which the present invention is applied.
It is an example of the hardware configuration of. Reference numeral 3 is the aforementioned HOST, which is connected to the voice response device 2 in this embodiment. Further, the voice response device 2 includes a processor 201, a memory 202, a floppy disk device 203, a communication control unit 204, a disk control unit 205, a DK 206, an input / output unit 207, a voice recognition 208, a voice generation unit 209, a voice transmission / reception unit 210, It is composed of a line disconnection unit 211, a timer 212, and the like. The voice response device 2 is connected to the customer's telephone 4 via a telephone line.

FIG. 4 is a hardware configuration example of the HOST 3 to which the present invention is applied. HOST3 is the processor 3
01, memory 302, communication control unit 303, disk control unit 304, DK 305, magnetic tape control unit 306, input / output unit 307, terminal control unit 308, timer 309, and the like.

In the present embodiment, the present invention will be described as being applied to a system for carrying out cash payment transactions using a telephone and an automatic transaction device installed in a branch office of a financial institution. The application is not limited to the transactions and systems described above.

The outline of the present invention will be described mainly with reference to FIG.

In order to request the agent to pay cash by using the automatic transaction apparatus 1, the customer himself first installs it at home, for example, for the purpose of registering the personal identification number used by the agent. From the telephone 4, the voice response device 2 can be obtained by dialing a telephone number previously notified from a bank or the like.
Connect to. As a result, the voice response device 2 provides guidance asking the user to input the account number, and the customer inputs the account number from the telephone 4 by voice or the like according to this guidance (step S101). Based on the input account number, HOST3 stores the customer information file (hereinafter referred to as “CI” in DK305).
"F"), and confirms that the account number and the customer information corresponding to the account number shown in FIG. 11 exist, and prepares for the processing described below (step S10).
2). When the existence of the account number entered by the customer is confirmed, the customer is then prompted to enter the personal identification number, and it is confirmed that the entered personal identification number matches the personal identification number registered in the customer information above. (Step S103, Step S104). Next, the agent is prompted to enter the personal identification number to be registered in the customer information of CIF (step S1).
05) Further, in order to more strictly confirm that the agent is a legitimate agent, additional information such as agent attributes and validity period is urged to be registered in the customer information (step S10).
6).

For the subsequent processing, the agent visits a sales office or the like,
This is a process when an operation is performed in the automatic transaction device 1.

When the agent inserts the magnetic card given from the client himself into the automatic transaction device 1, the automatic transaction device 1 reads the account number recorded on the magnetic card (step S107). Next, the automated teller machine 1 prompts the agent to input the personal identification number, the additional information, and the payment amount, and the operator inputs these pieces of information (steps S108 to S110). When the input is completed, the automated teller machine 1 sends these pieces of information to the HOST3. Therefore, the HOST3 searches the CIF based on the sent account number, and the agent PIN and the additional information set in the customer information described above. It is confirmed that the agent password and the additional information transmitted are the same (step S111, step 11).
2). Upon confirming that they match, the HOST 3 confirms whether or not payment is possible based on the deposit balance and the like, and if payment is possible, performs processing such as updating the balance and sends the processing result to the automatic transaction device 1. Therefore, the automatic transaction apparatus 1 performs payment processing such as cash release based on the processing result (step S113).

Next, details of the processing of the embodiment will be described mainly with reference to FIGS. 6 to 10.

First, FIGS. 6 and 7 will be described. This process is a process in which the customer himself / herself registers the personal identification number of the agent.

For the purpose of registering the personal identification number of the agent, the customer himself / herself connects to the voice response device 2 by dialing the telephone number previously notified from the bank or the like from the telephone 4 installed at home. Yes (step S20
1). As a result, the processor 201 provides voice input guidance. That is, in order to first request the customer to input the account number, the voice generation unit 209 generates a voice such as "please press the account number" and sends it from the voice transmission / reception unit 210 to the telephone line. The customer listens to this voice through the handset and transmits the account number to the voice response device 2 by pressing the push key provided on the telephone 4 or by the voice itself. Therefore, the voice response device 2 receives the voice through the voice transceiver 210. Then, the voice recognition unit 208 recognizes the account number (step S202).

Next, in order to retrieve and identify the customer information corresponding to the customer shown in FIG. 11 based on the account number, the voice response device 2 transmits the account number to the HOST 3 via the communication control unit 204. In response to this, the HOST 3 is a CI in which the customer information is stored in advance in the DK 305 and recorded.
The contents of F are searched using the account number as a search key. As a result of the search, if the customer information corresponding to the account number does not exist, it is necessary. If it exists, that fact and the customer information corresponding to the customer, which is shown in FIG. Information is transmitted to the voice response device 2 via the communication control unit 303 (step S203). Processor 20
1 receives the above-mentioned information via the communication control unit 203,
It is stored in the memory 202 for use in the following processing (note that the information corresponding to the customer information shown in FIG. 11 among the above-mentioned information stored in this memory 202 is called “in-memory customer information”). .

When it is indicated that the customer information corresponding to the account number does not exist in the memory 202, the processor 201 outputs a voice expressing that fact to the voice generation unit 20.
9 and outputs to the telephone line via the voice transmitting / receiving unit 210 (steps S204 and S205), and the process ends. If it is indicated that it exists, first, the agent registration permission / inhibition I3 of the in-memory customer information (note that C
The agent registration propriety I3 in the IF is registered in advance at the time of opening a customer's account or at other times) and determines whether or not information indicating that agent registration is possible is set. If it is determined that the information to the effect is not set,
The processor 201 generates a voice expressing that effect by the voice generation unit 209 and sends it to the telephone line via the voice transmission / reception unit 210 (steps S204, S205),
The process ends. When it is determined that the information that the agent registration is possible is set, the currently connected line is temporarily disconnected based on the information set in the agent registration permission I3 of the customer information in the memory. Then, it is determined whether or not the voice response device 2 should be reconnected to the customer's telephone 4 (steps S204, S206). If it is determined that the line will not be disconnected, the process proceeds to step S301 shown in FIG. If it is determined that the line will be disconnected, the processor 20
1 disconnects the line by the line disconnecting unit 211 (step S
207), the telephone number existing in various customer-related information I9 of the customer information in the memory is taken out (step S20).
8) Then, the line disconnecting unit 211 dials this telephone number to reconnect with the customer's telephone 4 (step S209).

After connecting to the customer's telephone 4, in order to confirm that the customer is the same as the customer, the customer is requested to input the account number again by voice as in the process of step S202. After the input (step S210), it is determined whether or not it matches the account number input in step S202 (step S211). If it is determined that they do not match, it is recognized that they are not the same person, a voice is generated and transmitted to the line to notify the customer that proxy registration is not possible (step S205), and the process ends. If it is determined that the account numbers match, the process proceeds to step S301 shown in FIG. In step S301, step S202
As in the case of inputting the account number at, the customer is prompted to input the personal identification number, so that the customer inputs the personal identification number by voice or the like (step S301).

The processor 201 determines whether or not the input personal identification number matches the personal identification number 12 of the customer information in the memory (step S302). If it is determined that they do not match, a voice is generated and transmitted to the line to notify the customer that the agent registration is impossible (step S2).
05), the processing ends. When it is determined that the personal identification numbers match, the input of all or part of information corresponding to the customer's own attributes, such as name, address, gender, and various other customer-related information I9, is further urged in order to further confirm the identity. Therefore, the customer inputs this information by voice or the like (step S303). If the processor 201 compares the input information with various customer-related information I9 of the in-memory customer information and determines that the person cannot be confirmed, the processor 201 notifies the step S205 to inform that the agent cannot be registered. Transition. If it is determined that the person has been confirmed, the process proceeds to the next step (step S304). It should be noted that step S303 and step S304 may be omitted in a business or system in which there is no particular problem even if it is determined that the user is the person who is the only person who has confirmed the personal identification number.

When the identity verification is completed, the processor 201
Prompts the user to enter the payment limit amount, agent password, agent attribute, and validity period, and the customer inputs these information by voice or the like. The processor 201 sends the input information to the HOST3 via the communication control unit 204, so that the HOST3 receives the information and substitutes it in the customer information specified by the aforementioned account number existing in the CIF. The personal identification number I5, the payment limit I6, the agent attribute I7, and the validity period I8 are stored as well as the agent registration presence / absence I4 is set to a registered state and stored (step S
305 to step S308).

Here, an outline of each of the above-mentioned information will be described.
The payment limit means the maximum amount of money that can be paid out by the agent, and may be the total amount when the agent makes multiple payments, or may be the maximum amount for each time. It may be possible to specify). The agent personal identification number is a number that the principal conveys to the agent as the personal identification number used by the agent instead of the customer's personal identification number itself, and the agent performs the payment operation on the automated teller machine 1. This is the personal identification number that you enter when performing. The agent attribute means information that a legitimate agent naturally knows even if it is not transmitted by the principal (unlike the agent PIN, what the client himself entered is the agent attribute). Do not tell the agent), for example, the agent's own name, address,
Etc. Information regarding the agent itself, information regarding the relationship between the agent and the agent, such as family, spouse, friends, etc., and information regarding the place and time when the agent was requested. Of course, information combining these may be used. However, since it is impossible for the agent to know what is input if the information is input only by the requester's own judgment, in step S307, a higher-level concept of attributes to be input from the voice response device 2 (eg, agent himself) Information), and the client himself / herself inputs information (eg, name) of a subordinate concept according to this guidance (as will be described later, when an agent inputs an agent attribute in the automatic transaction device 1, Notify the agent of information equivalent to the above-mentioned superordinate concept). The term of validity means the period during which the agent can act on behalf of the transaction operation based on his authority as an agent, for example, within a specific deadline, after a specific deadline,
It is information such as a specific time zone and a specific day. Regarding the above-mentioned information, the requester himself / herself inputs specific information that is considered appropriate according to the selected agent.

Next, FIG. 8 will be described. This process is a process when the agent operates the automatic transaction device 1.

The magnetic card owned by the customer himself is provided, and the agent's personal identification number is given to the agent, so that the agent who is requested to pay out cash goes to the sales office, and the magnetic card is inserted into a card insertion slot (not shown). When inserted, the processor 101 reads the information including the account number recorded on the magnetic card by the card reading unit 110 and stores the information in the memory 102 (step S401). Next, the agent inputs the transmitted agent password number and the requested payment amount from the input unit 107 (steps S402, 4).
03). The processor 101 determines whether or not the input payment amount exceeds a predetermined amount stored in the memory 102 in advance (step S404). If it exceeds the limit, the agent is requested to input the attribute of the agent in order to more rigorously confirm the validity of the agent performing the operation. At this time, since the superordinate concept of the agent attribute which is predetermined at the time of designing or the like is displayed as the guidance on the display unit 108, the operator follows the guidance and belongs to the superordinate concept that the operator himself knows. Input concept information 1
Enter from 07. The processor 101 stores the input information in the memory 102 (step S405). Note that the agent attribute may be always input regardless of the payment amount, or may be omitted in the transaction or the like in which only confirmation of the personal identification number is required.

Next, the processor 101 assembles a telegram based on the account number, the agent password, the payment amount, the agent attribute information and other necessary information stored in the memory 102 (step S406), It transmits to HOST3 via the communication control part 104 (step S407). Based on this transmission message, the HOST 3 performs the processing shown in FIG. 9 and FIG. 10 which will be described later and transmits the message to the automatic transaction device 1. Therefore, the processor 101 receives this message via the communication control unit 104 (step S408). Next, the processor 101 determines whether payment is possible based on the information set in the received electronic message (step S4).
09).

When it is determined that payment is possible, the cash processing unit 111 counts and discharges cash corresponding to the payment amount input in step S403 so that the agent can obtain it (step S410). The transaction content is printed on the receipt by the printing unit 109, and the receipt and the inserted magnetic card are returned to the agent (step S4).
11). If it is determined in step S409 that payment is not possible, it is determined whether the operation can be repeated (step S412). When it is determined that the repetition is possible, the fact is displayed on the display unit 108 (step S4).
13) Then, the process returns to step S402 to input again.
If it is determined that the operation is not repeatable, the operator does not return the magnetic card inserted as an unauthorized agent to the operator, but takes it into a recovery box (not shown) (step S4).
14) and that effect are displayed on the display unit 108 (step S415), and the transaction information and error information are printed on journal paper or the like by the printing unit 108 or written on the DK 106 for later investigation or inspection. It is recorded by the above (step S416), and the process ends.

In the present embodiment, repeatable errors are as follows. That is, it is possible to assume that there is a high possibility of a mere input error, specifically, the input error of the agent personal identification number (however, within a predetermined number of times), insufficient balance, insufficient limited amount and no agent registration. . In addition, a non-repeatable error is when it can be assumed that there is a high possibility that it is not a legitimate agent.
This is the case when the agent attribute is incorrectly entered and the validity period has expired. Of course, the error is not limited to the above-mentioned error, and the repeatable error described above may be the repeatable error, or the repeatable error may be the repeatable error.

Next, FIGS. 9 and 10 will be described. This process is a process performed in HOST3 based on the input information when the agent operates the automatic transaction device.

As described above, since the automatic transaction apparatus 1 sends a message to the HOST3 in step S407 of FIG. 8, the processor 301 receives this message via the communication control unit 303 (step S501). Since the account number (stored in the magnetic card held by the customer himself as described above) is set in this message, the customer information existing in the CIF of the DK 305 using this account number as the search key. To search. That is, the account number I1 is sequentially taken out and the customer information having the matching account number I1 is searched (step S502). As a result of the search, if there is no customer information having the aforementioned account number (step S503), the process proceeds to step S506. If the corresponding customer information exists, it is determined whether the personal identification number I2 in the customer information and the personal identification number set in the electronic message match (step S504).

If they match, it is assumed that the customer himself / herself operated the transaction, not the agent, and the payment transaction processing is performed when the principal performs the transaction operation (for example, step S60 described later).
3, step S605, step S607 and step S609) are performed (step S510), and the process proceeds to step S507. If it does not match the personal identification number I2, it is determined whether or not the agent is registered based on the information of the agent registration presence / absence I4 (step S505). If it is determined that the registration has been made, Fig. 1
0 is followed by step S601. If it is determined that the registration has not been completed, the processing result information indicating that the personal identification number is different from the personal identification number and that the agent has not been registered is stored in the memory 30.
It is set to 2 (step S506).

In step S507, necessary information about the transaction, such as the processing result information set in the memory 302 and the information in the received electronic message, is recorded in the DK 305 for later investigation and inspection of the transaction. In advance (step S507), a message is assembled based on the above-mentioned processing result information and the like (step S508) and transmitted to the automated teller machine 1 via the communication control unit 303 (step S5).
09).

If it is determined in step S505 that the agent registration has been completed, step S60 in FIG.
The process is continued from 1. First, it is determined whether the personal identification number in the above-mentioned electronic message matches the agent personal identification number I5 (step S601). If it is determined that they match,
The current time indicated by the timer 309 is compared with the valid period I8 to determine whether it is within the valid period (step S6).
02).

If it is determined that the payment is not within the valid period, the process result information indicating that the payment is not possible is set in the memory 302 because it is outside the valid period (step S608) and step S50.
Move to 7. If it is determined that it is within the valid period, whether the payment is possible by comparing the deposit balance set in a file (not shown) different from CIF corresponding to the account number with the payment amount in the electronic statement, that is, the balance. It is determined whether or not the payment amount is (step S603). If it is determined that the payment amount is not within the balance, processing result information indicating that the balance is insufficient and payment cannot be made is set in the memory 302 (step S
609) and the process moves to step S507. It should be noted that the balance here may be a pure deposit amount or may be a sum of amounts that can be overdrafted, which means an amount that can be paid based on a transaction agreement or the like. If it is determined that the payment amount is within the balance, it is determined whether the payment amount is within the payment limit amount by comparing the payment amount I6 with the payment amount within the electronic statement (step S60).
4).

When it is determined that the payment amount is not within the payment limit amount, the processing result information indicating that the payment amount is over and the payment cannot be made is set in the memory 302 (step S610), and the process proceeds to step S507. If it is determined that the payment amount is within the payment limit, the balance is updated so that the amount obtained by subtracting the payment amount from the balance becomes a new balance (step S60).
5) Further, similarly, the payment amount is subtracted from the payment amount 16 to generate and store a new payment amount I6 (step S).
606). The payment limit 16 may not be updated and the payment limit I6 may be kept constant. Next, the processing result information indicating that the payment can be normally made is set in the memory 302 (step S607), and the process proceeds to step S507. When it is determined in step S601 that the password does not match the proxy password, it is determined based on the value of the counter set at a predetermined position in the memory 302 whether the number of inputting the password has exceeded (step S61).
1). If it is determined that the number of inputs is over, the fact is set in the memory 302 as processing result information, the value of the counter is set to the initial value (step S612), and the process proceeds to step S507. When it is determined that the number of inputs has not been exceeded, the above-mentioned counter is counted up (step S613), and the fact that the proxy personal identification number error is set in the memory 302 as processing result information (step S61).
4) and moves to step S507.

In the above-mentioned embodiments, the agent personal identification number is registered by using the telephone 4. However, a facsimile device (hereinafter referred to as “FAX”) may be used instead of the telephone 4. Even in this case, it is possible to slightly change the configuration of the above-described embodiment. First, it goes without saying that a FAX is used instead of the telephone 4. Further, the voice response device 2 is replaced by a FAX control device. In the hardware configuration of the FAX control device, an image recognition unit may be used instead of the voice recognition unit 208 and an image generation unit may be used instead of the voice generation unit 209 in the configuration of the voice response device 2 shown in FIG. The processing is basically the same as that in FIGS. 6 to 10, and the FAX number may be used instead of the telephone number, and the portion that handles voice may be handled as an image. For example, regarding the input of the account number, the agent personal identification number, and the like in step S202 in FIG. 6 and steps S305 to 308 in FIG. 7, for example, by writing the information on a predetermined sheet provided in advance by the bank and by FAX. When transmitted to the FAX control device, the FAX control device may be configured to receive this, recognize the image in the image recognition unit, and convert it into a character code. In the case of the message output in step S205 in FIG. 6, the message may be converted into an image by the image generation unit and transmitted to the customer's FAX.

Further, the telephone 4 and the FAX are convenient to use because they are close to the customer, but in addition to these, the automatic transaction apparatus 1 itself is used to register the personal identification number of the agent or the like. You can also do it. For example, the input unit 1 in advance
After inputting information indicating that the personal identification number of the agent is registered from 07, input of the account number, agent personal identification number, etc. in step S202 in FIG. 6 or steps S305 to 308 in FIG. 7 is performed from the input unit 107. It suffices if it is configured so as to input, and step S20 in FIG.
When the message is output in 5, the message is displayed on the display unit 1
It may be configured to display at 08.

In addition to cash payment transactions, the same as the person concerned, as long as he is a legitimate agent on behalf of the person, such as purchase of products by credit, receipt of reserved tickets, etc., exchange of documents at public offices, etc. It can be applied to transactions and services where services can be received.

[0041]

As described above in detail, according to the present invention, the following effects can be expected. That is, the first secret code and the second secret code are input, and if the first secret code is correct, the second secret code is registered. Later, the third secret code is entered and the transaction information is entered. If the third secret code and the registered second secret code match, predetermined transaction processing is performed based on the transaction information. Therefore, a valid operator who knows the correct first secret code registers the second secret code, and the valid operator teaches the agent the second secret code. Since the operator who has input the correct second secret code can be determined to be a legitimate agent, the transaction processing can be performed based on the transaction information that the operator has also input. For this reason, an agent other than the person himself / herself can carry out the transaction operation and the chances of making a transaction increase. Moreover, since the agreement of the second secret code is judged, the transaction can be conducted only by the legitimate agent who is informed of the secret code, so that the security of the transaction can be secured.

Further, the first secret code, the second secret code and the additional information are input, and when the first secret code is correct, the second secret code and the additional information are registered. Later, the third secret code is entered and the transaction information is entered. If the third secret code and the registered second secret code match, it is further determined based on the registered additional information whether or not it is possible to carry out the transaction in accordance with the transaction information. Prescribed transaction processing is performed based on the transaction information. Therefore, in addition to the above-mentioned case, the transaction possibility is confirmed by the additional information input by the legitimate operator, for example, whether the transaction is valid or not, so that the transaction safety is further increased.

In the input device, the first secret code and the second secret code are input and transmitted to the processing device via the communication line. In the processing device, the first secret code and the second secret code are received via the communication line, and if the first secret code is correct, the second secret code is registered. Later, the third secret code is entered and the transaction information is entered. If the third secret code and the registered second secret code match, predetermined transaction processing is performed based on the transaction information. Therefore, the transaction opportunity increases, the security of the transaction can be secured, and the possibility of registering the second secret code near the operator such as at home increases, so that the convenience is improved.

[Brief description of drawings]

FIG. 1 is a conceptual diagram of the present invention.

FIG. 2 is a hardware configuration diagram of an automatic transaction device.

FIG. 3 is a hardware configuration diagram of a voice response device.

FIG. 4 is a hardware configuration diagram of a host computer.

FIG. 5 is a flowchart of a processing outline.

FIG. 6 is a flowchart (part 1) of proxy registration processing.

FIG. 7 is a flowchart (part 2) of proxy registration processing.

FIG. 8 is a flowchart of processing in the automatic transaction device.

FIG. 9 is a flowchart (part 1) of processing in the host computer.

FIG. 10 is a flowchart (part 2) of processing in the host computer.

FIG. 11 is an example of customer information.

[Explanation of symbols]

 1 Automatic Transaction Device 2 Voice Response Device 3 Host Computer 4 Telephone 101, 201, 301 Processor 102, 202, 302 Memory 104, 204, 304 Communication Control Unit 106, 206, 305 Disk (DK) 107 Input Unit 108 Display Unit 109 Printing Part 110 Card reading part 111 Cash processing part 112, 309 Timer 208 Voice recognition part 209 Voice generation part 210 Voice transmission / reception part 211 Line disconnection part M1 First password input means M2 Second password input means M3 First determination means M4 registration means M5 third password input means M6 transaction information input means M7 second determination means M8 transaction processing means

Claims (3)

[Claims] 1. A transaction processing system for inputting a password and transaction information, confirming the validity of the password, and then performing a predetermined transaction process based on the transaction information. A first password for inputting a first password. An input means; a second password input means for inputting a second password; and a first determination means for determining whether or not the first password input by the first password input means is correct. If the first determining means determines that the
Registration means for registering the second secret code input by the secret code input means, third secret code input means for inputting a third secret code, transaction information input means for inputting the transaction information, and the third secret code input means for inputting the transaction information. Second judging means for judging whether or not the third secret code input by the secret code inputting means matches the second secret code registered by the registering means, and the second judging means. Transaction processing means for performing the predetermined transaction processing based on the transaction information when the transaction information is determined to match. 2. A transaction processing system for inputting a password and transaction information, confirming the validity of the password, and then performing a predetermined transaction process based on the transaction information. A first password for inputting a first password. Input means, second password input means for inputting a second password, additional information input means for inputting additional information, and whether or not the first password input by the first password input means is correct The first determining means for determining whether or not the first determining means determines that the second
Registration means for registering the second secret code input by the secret code input means and the additional information input by the additional information input means, a third secret code input means for inputting a third secret code, and the transaction information Transaction information input means for inputting, and determining whether the third secret code input by the third secret code input means matches the second secret code registered by the registration means. When it is determined that the second determination means and the second determination means match, it is determined whether or not the transaction can be performed according to the transaction information based on the additional information registered by the registration means. And a transaction processing means for performing the predetermined transaction processing on the basis of the transaction information when the third determination means determines that the transaction processing system is capable. Beam. 3. An input device and a processing device exist, the input device and the processing device are connected by a communication line, and a secret code and transaction information are input. Based on the transaction information when the secret code is correct. In the transaction processing system for performing a predetermined transaction process, the input device includes a first password input unit for inputting a first password, a second password input unit for inputting a second password, and the first password input unit. And a transmitting unit configured to transmit the secret code and the second secret code to the processing device via the communication line, wherein the processing unit includes the first secret code and the second secret code transmitted by the transmitting unit. Receiving means for receiving via the communication line, first judging means for judging whether or not the first secret code received by the receiving means is correct, and the first judging means is judged as correct If the said reception Registration means for registering the second secret code received by the stage, third secret input means for inputting the third secret code, transaction information input means for inputting the transaction information, and third secret input When the third judgment code input by the means matches the second judgment means for judging whether or not the second secret code registered by the registration means coincides with the second judgment means. A transaction processing system comprising: transaction processing means for performing the predetermined transaction processing based on the transaction information when determined.