JPH11143968A - Method for issuing substitute card in case of loss of cash card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To minimize loss due to loss of a card for both of a customer side and a bank side by enhancing convenience of reissuing procedure and recovering transaction until the cash card is re-issued at an early stage. SOLUTION: When input of bank account information whose cash card is lost is accepted by an automatic transaction machine to execute a transaction processing according to an operation by a customer (S1) furthermore, the customer is confirmed by accepting identification information and a personal identification number of the customer (S2 to S5), when the customer is confirmed as the above person (S5: Y), a notice of loss is set according to the bank account information (S6) and a substitute card to be used as a substitute for a normal cash card is issued (S7, S8).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash card (hereinafter referred to as "card") used in an automatic transaction apparatus (hereinafter referred to as "ATM"), which is used in place of a regular cash card until reissued. The present invention relates to a substitute card issuance method when a cash card is lost.

[0002]

2. Description of the Related Art Conventionally, when a card used at the time of a transaction at an ATM is lost, a report of the loss is submitted to a financial institution, the use of the card is stopped, and the transaction by the card is enabled again. The procedure for reissuing the card was performed at the account opening store.

[0003]

However, in the above-mentioned conventional method, the reissue procedure cannot be performed unless the customer visits the office during the day, and even if the reissue procedure is performed, a new card is not reissued. From the number of days to several weeks, transactions such as card payments and savings cannot be performed, so that there is a problem that transactions are delayed on both the customer side and the bank side.

[0004] In view of the above problems, the present invention improves the convenience of the reissue procedure and obtains a method for resuming the transaction up to the reissue of the cash card at an early stage. The goal is to minimize losses.

[0005]

SUMMARY OF THE INVENTION In order to achieve the above object, the present invention provides a method for setting a loss report of a cash card and issuing a substitute card in an ATM. That is, according to the present invention, the ATM which executes the transaction processing according to the operation of the customer accepts the input of the account information in which the cash card is lost, and further performs the identification of the customer by receiving the identification information of the customer and the input of the personal identification number, When the user is confirmed as the principal, a loss report is set according to the account information, and a substitute card that can be used in place of a regular cash card is issued.

[0006]

Embodiments of the present invention will be described below. FIG. 1 is a block diagram of a card issuing device applied to one embodiment of the present invention, and FIG. 2 is a block diagram of a monitoring center terminal device applied to one embodiment of the present invention. In the figure, reference numeral 1 denotes a card issuing device installed at each store of a financial institution, which includes a processor 101, a memory 102, a floppy disk device 103, a communication control device 104, a disk control unit (hereinafter referred to as a DK control unit) 105, and a disk ( Below D
K) 106, speaker 107, display unit 108, image reader 109, card issuing unit 110, camera 11
1, a microphone 112, and a touch panel 113.

In this embodiment, the card issuing device 1 is shown as an ATM for setting a lost report and issuing a substitute card. However, the present invention is not limited to this, and the present invention has a card issuing function. Then, it can be applied to any ATM. Reference numeral 2 denotes a monitoring center terminal device installed in a monitoring center of a financial institution.
2, floppy disk device 203, communication control device 20
4, a DK control unit 205, a DK 206, a display unit 207, a keyboard 208, a printing unit 209, a microphone 210, and a speaker 211, and are connected to the card issuing device 1 and the host computer 3 via a line.

FIG. 3 is a flowchart showing an outline of the processing according to the present embodiment. Hereinafter, the processing outline of the present embodiment will be described with reference to FIG. The customer who has lost the card inputs account information such as a name, an account opening shop name, an account number, and a subject from the touch panel 113 (S1). Next, image processing of a public identification card such as a car driver's license is performed by the image reader 109 (S2). Finally, the personal identification number of the account is input from the touch panel 113 (S3), and the input information is transmitted to the monitoring center terminal device 2 via the communication control unit 4 (S4).

The monitoring center terminal device 2 inquires of the host computer 3 for the account information, and determines whether or not the user is the principal from the identification card and the password (S5). If the identity of the user cannot be confirmed, the customer is notified that the substitute card is to be issued, and the process ends (S9). If it is confirmed that the user is the principal, the loss notification and the information that the substitute card has been issued are registered in the host computer 3 (S6, S7). Thereafter, the substitute card is issued to the customer from the card issuing unit 110 of the card issuing device 1 (S8),
finish.

[0010]

As described in detail above, according to the present invention, an ATM that executes a transaction process in accordance with a customer operation,
Accepting the input of the account information that lost the cash card, furthermore, receiving the identification information of the customer and the input of the personal identification number and confirming the identity, when confirming the identity, set the loss report according to the account information and Since a substitute card which can be used in place of a regular cash card is issued, it is possible to set a cash card loss report and issue a substitute card at an ATM.

[0011] As a result, the convenience of the reissue procedure can be improved, and the transaction up to the reissue of the cash card can be revived at an early stage, so that both the customer side and the bank side can minimize the loss due to card loss. is there. Specifically, on the customer side, (1) cash can be withdrawn even if the card is lost while traveling, etc., and sudden expenses can be dealt with. (2) Consumer finance debt Unlike saving money, savings can be obtained at no interest rate or very low interest rate because the money is saved by the person himself.

[0012] On the bank side, (1) by issuing a substitute card, service disparity with other banks and commission income can be expected. (2) Since customers can only pay within the range of their deposit balance, There can be expected effects such as no risk of bad debt.

[Brief description of the drawings]

FIG. 1 is a block diagram of a card issuing device applied to an embodiment of the present invention.

FIG. 2 is a block diagram of a monitoring center terminal device applied to an embodiment of the present invention.

FIG. 3 is a flowchart illustrating an outline of a process according to an embodiment of the present invention.

[Explanation of symbols]

 Reference Signs List 1 card issuing device 2 monitoring center terminal device 3 host computer 101 processor 102 memory 103 floppy disk device 104 communication control device 105 DK control unit 106 DK 107 speaker 108 display unit 109 image reader 110 card issuing unit 111 camera 112 microphone 113 touch panel 201 processor 202 Memory 203 Floppy disk device 204 Communication control device 205 DK control unit 206 DK 207 Display unit 208 Keyboard 209 Printing unit 210 Microphone 211 Speaker

Claims (1)

[Claims] An automatic transaction device for executing a transaction process in accordance with a customer operation accepts input of account information in which a cash card has been lost, and further performs identification of a customer by inputting identification information and a personal identification number of the customer. If the identity of the cash card is confirmed, a loss card is set according to the account information, and a substitute card that can be used in place of a regular cash card is issued. Method.