JPH11224373A - Automatic transaction system using ic card - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce the load of development of and exchange of a software for an automatic transaction device while attaining the reduction of client operation in the transaction with the automatic transaction device and also the reduction of time to occupy the device. SOLUTION: An automatic transaction system using an IC card for transactions through the operation of a client at an automatic transaction device 1 while using an IC card 25 as a cash card is provided with a means for holding transaction information on the IC card 25, a means for inputting transaction information from an IC card reader/writer 6 or from the IC card 25, a means for acquiring the transaction information from the IC card 25 through the device 1, a means for displaying the contents of the transaction information at the device 1, a means for correcting the contents of the transaction information at the device 1, and a means for transmitting the transaction information from the device 1 to a host station 15.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system that uses an IC card as a cash card and uses an IC card to conduct a transaction by a customer in an automatic transaction device.

[0002]

2. Description of the Related Art Generally, ATMs (auto terrars machines), CDs (cash dispensers), and the like are examples of automatic transaction devices installed in cash lobbies, unmanned stores, and the like. In the transaction in such an automatic transaction device, the customer himself operates the automatic transaction device according to the guidance on the screen displayed on the automatic transaction device, and conducts a target transaction.

The automatic transaction apparatus has screen guidance for each type of transaction (payment, withdrawal, transfer, etc.). Each transaction also has a plurality of screen guidances, prompting the customer to perform screen operations in a timely manner, and inputting data necessary for the transaction using an automatic transaction device. The customer himself operates and inputs according to the screen guidance displayed on the automatic transaction device.

In addition, when a new transaction is added to the automatic transaction apparatus, software for customer operation of the automatic transaction apparatus is developed, and the software of the automatic transaction apparatus is replaced.

[0005]

However, according to the above-mentioned conventional method, in order to make the operation of the automatic transaction apparatus easy for the customer to understand, the operation guidance for the customer is increased, and depending on the transaction, one transaction per customer. However, there has been a problem that the number of operations of the automatic transaction apparatus in the above has increased, and the method as a service for making it easy to use for customers has increased the occupation time of the automatic transaction apparatus and made other customers wait.

Further, when a new transaction is added to the automatic transaction apparatus, the software of the fully automatic transaction apparatus must be replaced after the software has been developed so that the customer can perform a new transaction with the automatic transaction apparatus. There was a problem to be had. The present invention has been made in view of the above problems,
Obtain a configuration that eliminates the operation of the automatic transaction device, reduce customer operations in the transaction of the automatic transaction device, reduce the occupation time of the automatic transaction device, and reduce the load of software development and software replacement of the automatic transaction device The purpose is to:

[0007]

In order to achieve the above object, according to the present invention, the contents of a transaction are stored in a cash card by operating the transaction, and the transaction is performed in an automatic transaction apparatus based on the content. That is, the present invention relates to an automatic transaction system using an IC card which uses an IC card as a cash card and performs a transaction by a customer operation in an automatic transaction device, a holding means for holding transaction information in the IC card, Input means for inputting transaction information from a card read / write device or input means for inputting transaction information from an IC card; acquiring means for acquiring transaction information from an IC card with an automatic transaction device; A display means for displaying the contents, a correction means for correcting the contents of the transaction information by the automatic transaction device, and a transmission means for transmitting the transaction information from the automatic transaction device to the upper station are provided.

[0008]

Embodiments of the present invention will be described below. FIG. 1 is a block diagram showing an example of a hardware configuration of an automatic transaction apparatus applied to an embodiment of the present invention.
FIG. 3 is a block diagram showing an example of a hardware configuration of an IC card read / write device applied to the embodiment;
FIG. 4 is a plan view showing an example of a hardware configuration of the IC card applied to the embodiment. FIG. 3 shows a front surface of the IC card, and FIG. 4 shows a rear surface of the IC card.

The automatic transaction apparatus 1 includes a processor 2, a memory 3, a hard disk control device 4, a floppy disk control device 5, a passbook printing device 6, a statement printing device 7, a bill receiving / dispensing device 8, a coin receiving / dispensing device 9, It comprises a communication control device 10 for controlling communication with the station 15, a display control device 11, an operation control device 12, an IC card control device 13, and a cash card control device 14.

[0010] In the present embodiment, an acquisition means for acquiring transaction information from an IC card by an automatic transaction apparatus, a display means for displaying the contents of transaction information by an automatic transaction apparatus, and The correction means for correcting the contents of the transaction information by the transaction device and the transmission means for transmitting the transaction information from the automatic transaction device to the upper station are constituted by the software of the automatic transaction device 1.

The IC card read / write device 16 includes a processor 17, a memory 18, and a hard disk control device 1.
9, floppy disk control device 20, display control device 2
1, an operation control device 22, an IC card control device 23, and a communication control device 24. In the present embodiment, the input means for inputting transaction information from the IC card read / write device, which is described in the claims, is constituted by software of the IC card read / write device 16.

The IC card 25 has a front surface 25a and a back surface 25a.
b, a magnetic stripe 26, an IC memory 27,
It comprises a display unit 28 and an operation unit 29. In the present embodiment, the holding means for holding the transaction information in the IC card and the input means for inputting the transaction information from the IC card, which are described in the claims, are constituted by the software of the IC card 25.

Next, the operation of the present embodiment will be described with reference to the drawings. FIG. 5 is a flowchart showing an outline of the processing of this embodiment. Here, an IC card read / write device 2 and an IC
The card 3 or the IC card 3 is provided or sold in advance.

First, the operation performed by the customer will be described with reference to FIG. The customer selects a means for inputting information of a transaction to be performed (S1). IC card read / write device 1
6 is used, the IC card read / write device 16
The IC card 25 is set in the IC card control device 23 (S2). The customer can read the IC card read /
Transaction information is input from the operation control device 22 of the light device 16 (S3). After the input, the contents of the transaction information are confirmed by the display control unit 21 of the IC card read / write device 16 (S4). When the IC card 25 is used, information of a transaction to be performed is input from the operation unit 29 of the IC card 25 (S5). After entering, I confirm the contents of the transaction information
This is performed on the display unit 28 of the C card 25 (S6). FIG. 6 is an explanatory diagram showing an example of the configuration of the transaction information thus input.

The customer goes to the place where the automatic transaction apparatus 1 is installed with the IC card 25 in which the transaction information is input (S7). IC card control device 13 of automatic transaction device 1
The IC card 25 is set (S8). The customer confirms the transaction content displayed on the display control device 11 of the automatic transaction device 1 (S9). When there is a correction of the contents of the transaction, the correction is performed by the automatic transaction apparatus 1 (S10). If the content of the transaction is good, it is transmitted to the upper station (S11).

As described above, the customer inputs transaction information to the IC card 25 in advance using the IC card read / write device 16 or the IC card 25, and reconfirms the transaction information using the automatic transaction device 1. Execute transaction processing. The present invention can be generally applied to a system that allows a user to input data in advance in a system using an IC card.

[0017]

As described above in detail, the present invention relates to an automatic transaction system using an IC card which uses an IC card as a cash card and conducts a transaction by a customer in an automatic transaction apparatus. Holding means for holding transaction information, input means for inputting transaction information from an IC card read / write device or input means for inputting transaction information from an IC card, and acquisition for obtaining transaction information from an IC card by an automatic transaction device Means, display means for displaying the contents of the transaction information with the automatic transaction device, correction means for correcting the contents of the transaction information with the automatic transaction device, and transmission means for transmitting the transaction information from the automatic transaction device to the higher order station. Therefore, the details of the transaction are stored in the cash card by operating it, and the transaction can be performed by the automatic transaction device based on the content. Can.

As a result, since the operation of the automatic transaction apparatus is only reconfirmed, the customer operation in the transaction of the automatic transaction apparatus is reduced, the occupation time of the automatic transaction apparatus is reduced, and the operation of the automatic transaction apparatus is simplified. In addition, there is an effect that speedup is realized. In addition, since there is almost no need for the customer to operate the automatic transaction device and input the transaction information, the only software for the automatic transaction device is to develop the software for confirming the transaction contents of each transaction and the software at the time of correction, Software for operation is not required.
Furthermore, if the software for confirmation and correction is developed so that it can be used for general purposes, even if a new transaction is added, it is not necessary to develop software for an automatic transaction apparatus. Thus, there is an effect that the load of software development and software replacement of the automatic transaction apparatus is greatly reduced.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating an example of a hardware configuration of an automatic transaction apparatus applied to an embodiment of the present invention.

FIG. 2 is a block diagram illustrating an example of a hardware configuration of an IC card read / write device applied to an embodiment of the present invention.

FIG. 3 is a plan view (front surface) illustrating an example of a hardware configuration of an IC card applied to an embodiment of the present invention.

FIG. 4 is a plan view (back side) showing an example of a hardware configuration of an IC card applied to an embodiment of the present invention.

FIG. 5 is a flowchart illustrating an outline of a process according to an embodiment of the present invention.

FIG. 6 is an explanatory diagram illustrating an example of a configuration of transaction information according to an embodiment of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction device 2 Processor 3 Memory 4 Hard disk control device 5 Floppy disk control device 6 Passbook printing device 7 Statement printing device 8 Banknote depositing / dispensing device 9 Coin depositing / dispensing device 10 Communication control device 11 Display control device 12 Operation control device 13 IC Card control device 14 Cash card control device 15 Host station 16 IC card read / write device 17 Processor 18 Memory 19 Hard disk control device 20 Floppy disk control device 21 Display control device 22 Operation control device 23 IC card control device 24 Communication control device 25 IC Card 27 IC memory 28 Display unit 29 Operation unit

Claims (2)

[Claims] 1. An automatic transaction system that uses an IC card as a cash card and performs a transaction by a customer operation in an automatic transaction device, a holding unit that holds transaction information in the IC card, and an IC card. Input means for inputting transaction information from a read / write device, acquisition means for acquiring transaction information from an IC card with an automatic transaction device, display means for displaying the contents of transaction information with an automatic transaction device, An automatic transaction system using an IC card, comprising: a correction unit for correcting the contents of the transaction information; and a transmission unit for transmitting the transaction information from the automatic transaction device to an upper station. 2. An automatic transaction system using an IC card which uses an IC card as a cash card and conducts a transaction by a customer in an automatic transaction device, a holding means for holding transaction information in the IC card, and an IC card. Means for inputting transaction information from an IC card, acquiring means for acquiring transaction information from an IC card with an automatic transaction device, display means for displaying the content of transaction information with an automatic transaction device, and content of transaction information with an automatic transaction device An automatic transaction system using an IC card, comprising: a correction unit for correcting a transaction; and a transmission unit for transmitting transaction information from an automatic transaction device to a higher order station.