JPS62121573A - Automatic transaction system - Google Patents

Abstract

PURPOSE:To attain an automatic transaction system with high security by providing a central unit which decides the possibility/impossibility of an acceptance by a designated account after the reception and the confirmation of an account number and a password code, and transmits a decided result to a terminal equipment. CONSTITUTION:The titled system is constituted so that the authorization of the said person is inquired to a central unit 60 through a said person authorization means 30 provided at his/hers own residence, etc. Two systems are prepared: one is the system in which the authorization of the said person can be performed with the said person authorization means 30 provided at own residence, and the other one in which it is performed by inserting an ID card to the terminal equipment, and when a user uses the IC card, such as a magnetic card or an IC card, etc., a conventional transaction operation can be performed by inserting the card. When the user wants a check at the own residence, the telephone number of a user's residence is inputted operating a customer operating part 12. At such a case, it is permitted that the telephone number is the one connected to the said person authorization means or a special telephone number for the said person authorization means. Thereby, it is not required to issue or administer an exclusive card for the authorization of the said person, and the automatic transaction system with high security can be configured.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Application of the Invention] The present invention relates to an automatic transaction system, and particularly to an automatic transaction system suitable for dispensing and depositing cash using an automatic teller machine.

[Background of the invention]

The conventional automated trading system was published in Japanese Patent Application Laid-Open No. 58-197573.
As typified by this issue, automatic teller machines are used to pay out current pledges, donations that authenticate the person at the time of depositing lees, and personal identification codes (PIN code) entered using a special card ('fB card) and keychain. (No.) This matching check was carried out by checking the matching of the authentication number stored on the magnetic card and the same authentication number stored in the host computer of Bank 1+111. For this reason, the bank needs to use the special magnetic card with the PIN code (xX, Bamboo, Kankon), and there is little information about the verification number (the number of digits in the verification code is small). Moreover, security is low, and there is a risk that a lost magnetic card may be used by another person, which poses a problem in terms of crime prevention.

[First aspect of the invention] The object of the present invention is to solve the conventional problems and provide an automatic transaction system with high security when dispensing and depositing cash.

Summary of the Invention] The present invention provides a central f! It is characterized by being made to fit in with IEM.

[Example of Kama, Akira]

Hereinafter, embodiments of the present invention will be explained with reference to the drawings.

FIG. 1 is a system configuration diagram, and 10 is a terminal device (automated cash transaction device) installed in a bank branch or the like. 20 is sent to the home of the person who intends to transact using the above loading weight 10.
The above device is a public ID authentication method.
They are connected by line M450. Reference numeral 60 denotes a central device (host computer) connected to the bank, which is connected to the personal authentication means 30 via a public line 50, and connected to the terminal 10 via a dedicated service line 52 or a private service line 52 shown in solid lines. It is connected via a public line indicated by a broken line 51.

Next, each km- will be explained in detail.

Terminal system [11 in 410 is a control unit that controls the movement of the entire tribute, 12 is a customer operation unit consisting of numeric keys and function keys representing alphabetic, kana, work, and transaction building divisions, etc. In addition to numbers and transaction types, Character input is also possible. 13 is an intercom which allows voice input in addition to the customer operation section 12 described above. 14 is a card mechanism unit that accepts a recording medium such as a magnetic card or an IC card, and reads out and writes information therein; 15 is a slip issuing sound t for printing the transaction details and issuing it to the customer; Reference numeral 16 denotes a banknote withdrawal unit comprised of a shutter roller and belt for depositing and withdrawing banknotes, and 17 is a display unit for notifying transaction information and processing status of the terminal device, which is comprised of a cathode ray tube or liquid crystal display. ing.

18 is a storage unit for storing system programs and safe takes; 19 is a monitoring device connection mechanism connected to a monitoring device provided separately from the terminal device; 20 is a power supply unit; and 21 is a public 22 is a network control unit (NCU) that connects the device to the public line, 23 is a central unit tii 40
This is an interface when connected with the dedicated line 52.

Reference numeral 31 in the personal authentication means 30 is a telephone set connected to a public telephone line, and as shown in FIG. 32 is more like a card IC
This card processing device is equipped with a display 33, a keyboard 35, a journal printer 36, and an IC card reading receptacle 34, and the operations of these parts are controlled by a control unit 37 as shown in FIG.

When the IC card 39 is inserted into the C-card reading/writing section 34, the information in the memory 40 in the IC card is sent out to the control device 37 via contacts (not shown). Information in 'Write for update'! I get F.

The memory 40 of the engineering C card lacks the areas shown in FIGS. 3 and 4. That is, in the area shown in FIG. 3, a set of authentication codes (numbers), bank account numbers, passwords, and host computer telephone numbers for each financial institution is stored.

For example, even if you have two accounts at Bank A, you only need one telephone number for the bank's host computer. The area shown in FIG. 4 is provided with a predetermined area for storing the transaction date, transaction location, and locus number φ host response information for each transaction.

Here, the authentication code is characters or numbers agreed upon between the transaction person and the personal authentication key 30, and is an arbitrary code of the transaction person, and can be changed at will. The PIN code is determined by the transaction partner and the financial institution, and generally cannot be changed easily after it is set. Therefore, the authentication code is a combination of information about the person, such as the person's name or family member's name, date of birth, place of birth, hobbies, etc., expressed in numbers or letters, and may be a combination of several of the above. .

Further, the information shown in FIG. 3 can be changed by communicating with the charger 31 from the outside and changing a special authentication code via a password. At this time, the telephone is contacted from a terminal device or from a means capable of inputting data by voice.

The central device 60 located on the bank side is Mochimura 1/N.
It is connected to the public line via the CU62.

Further, the central device 60 and the terminal device 10 may be connected by a dedicated line 52 instead of the above-mentioned public line.

In the above configuration, the cash dispensing operation will be explained based on charts 70 of FIGS. 6 to 8. In addition, FIGS. 6 to 9 are 70-diagrams of the operation of the f″LRa end device, the water device verification means, the central noodle making device, and the central device.

1. A user (customer) goes to a location where a terminal device is installed in order to receive cash disbursements.

When you specify payment as the transaction type on the operation section 12 of the terminal device, the display section 17 will display the following message: [If you wish to check at home, please press -V on the telephone. Please insert the card for the card sword. ”
In other words, do you want to authenticate your identity using an authentication method installed at home?
A message indicating whether to insert the D card into the terminal device is displayed (step 7100 in FIG. 6).

If the user uses a card such as a magnetic card or an industrial C card, the process branches to NO from step 200 depending on the type of card inserted, and the conventional transaction operation is performed.

When the user requests a home check, step 100
The user inputs his or her home telephone number by operating customer operation s12 according to the instructions. The telephone number at this time can be any telephone number that is not connected to the personal authentication means, so it does not necessarily have to be your home telephone number. The telephone number may be a telephone number listed in the telephone directory for telephone calls or a special telephone number for personal authentication, and in this case, security can be ensured by keeping the telephone number secret.

The block diagram of the terminal device adds the information that the user selected at home 22 based on the telephone number input in step 200, and proceeds to step 300, prompting the user to input the authentication code. When the authentication code is input from the operation unit 12, the terminal device uses the automatic terminal device 21 in step 400 to input the above-mentioned telephone 'r.
Dial number k and call Kabuto. At the same time, a message is displayed to the user that the communication is in progress. The authentication code may be input from the intercom 13 through the back door, and is read by a voice reading device included in the terminal device.

The personal authentication means 30 is connected to a terminal device k via a public line network 50.
The automatic responder 38 receives the ejection signal from 10 . If it is connected or not (not busy), go to step 4 in Figure 7.
10, and simultaneously receives an authentication number from the terminal device 10. Next, in step 420, the control device It37 reads out the information stored in the memory 40 of the IC card via the IC card reading section 34, and reads the authentication number therein and the authentication number sent from the terminal ktlt10. Compare to others. If there is a mismatch here, an error response is transmitted to the output end unequipped lO in step 470. Specifically, it is transmitted through all automatic responders 38. Upon receiving the error response, the terminal device determines whether the response is normal or not in step 500 of FIG. 6. If the determination is No, error handling is performed in step 1200.

If the results of step 420 in FIG. 7 match, the process proceeds to step 430, where the control device fjk 37 retrieves the telephone number, account number, and password of the host computer of the financial institution corresponding to the corresponding authentication number from the memory 40. Read and hold. Then, in step 440, the direct dial number is automatically linked by the autodialer 38. Note that, at this time, the automatic dial transmitter/automatic answering device 38 is connected to the terminal device through a public line, so it has two or more lines. Host computer dials 0 by auto-dial
If it is possible to connect to (not busy), after the connection is made, the account verification/password information maintained by the control device 37 is transparentized to the host computer 60.

After the host computer 60 connects the line in step 451 of FIG. and the above step 45 regarding the
It is determined whether or not what was received in 1 matches what is registered in host computer 0. If the result of this judgment matches, the process moves to step 453 and the above (
(Specification) Check the contents of the account number (current deposit amount, past average deposit balance, and whether there has been a history of failure to make payments, etc.). If the result of this check is OK, the process moves to the next step 454, where the account is set to be acceptable and ready for contact from the terminal device 10.

Next, a normal response signal indicating that the setting in the above step can be accepted is transmitted to the personal authentication means 30 (step 455).
).

When the personal authentication means 30 receives the above-mentioned normal answer in step 460, it stores the contents in the area shown in FIG.

After determining this normal answer in step 500, the terminal device 10 displays a prompt on the display unit 17 in step 600 to prompt the user to input the drawn rhyme. When the user enters the amount in accordance with this, the amount and guidance prompting confirmation operation are displayed on the display section 17 in step 700. When this confirmation operation is completed, the terminal device connects the host computer 60 and the leased line 52.
Alternatively, culture can be carried out via the public line 51. At this time, the display section 17 displays a message indicating that communication is in progress with the center.

The host computer receives the message from the terminal device in step 810 of FIG. 9 and reads the message (MSG) therein.
It is determined whether or not the specified account is normal (step 820), and if it is normal, the process proceeds to step 830 to see if the specified account is available for reception. If it is possible to accept the transaction, in step 840, a response code for a normal transaction is transmitted to the terminal device, ff1O.

The terminal device 10 receives the answer code and proceeds to step 900.
In step 1000, it is determined whether or not it is normal, and if it is normal, a statement slip is printed and released at step 1000, and coins corresponding to the input amount are released.

In the above, the case where the result in the determination step is YES has been explained, but the case where the result is NO will be explained as follows. If the authentication code sent from the terminal device in the determination step 420 shown in FIG. 7 does not match the authentication code registered in the memo IJ 40 of the engineering C card, an error reply is sent to the terminal device in step 470. . The terminal equipment determines all the error responses at step 500 in FIG. 6 and then returns to step 12.
00, performs error processing, and ends.

In FIG. 8, if the account number/PIN sent from the person authentication means in step 452 and the same type number registered in the host computer do not match, and in the next step 453, the contents of the designated account are not OK (credit rating is In either case, the process moves to step 456 and an error (b) response is sent to the personal authentication means 30. The same means 30 is the seventh
The error response is sent to the terminal device 10 via step 460 in the figure.
and the terminal device performs steps 500 to 12.
00 and performs error processing.

When the host computer determines that the transaction message received from the terminal device 10 in step 820 of FIG.
An error transaction response is sent to the terminal device 10. The cylinder device 10 determines the answer (b) in step 900 of FIG. 6, and performs error processing in step 1200 in accordance with the determination result of NO.

Moreover, the following can be mentioned as a modification of the above embodiment. That is, steps 455-45 in FIG.
Instead of sending the answer in Step 6 to the personal authentication means, the answer is sent directly to the terminal fllt10 via the communication line 50 or 52. In this way, there is no need to keep the terminal device 10, the personal authentication means 30, and the host computer (central device) 60 connected to each other in order to obtain the above-mentioned answer from the host computer, and communication costs can be reduced. can be lowered.

Furthermore, in another modification, the terminal device 10 is a dedicated machine for personal authentication that is sent to a bank teller counter, etc., and the input from this special machine contacts the host computer via the personal authentication means 30. Steps 455 and 45 in the diagram
The configuration may be such that the answer in step 6 is obtained. In this case, the cash payment to the user is made from the counter or from an automated teller machine in the store as instructed by the staff at the counter.

According to the above embodiment, the identity of the transaction person is verified by using an identification means installed in the home of the transaction person, separate from the terminal device, and by the transaction person inputting an authentication code agreed upon between this means and the transaction person. This makes it possible to eliminate the need for cards. Therefore, when dispensing cash, it is no longer necessary to carry a dedicated magnetic card or IC card as in the past, and there is no need to bury the card in a issuing tube.

For cash deposits: That is, the sixth
Step 600 in the figure is changed to a guidance display prompting the user to deposit money, and step 700 is changed to a step displaying a value obtained by counting the deposited money and prompting the user to confirm this value. Further, step 1000 is changed to a processing step for taking the deposited coins temporarily held during the counting into the full thickness of the terminal device, and step 1100 is changed to a cadence display step for prompting the receipt of a statement slip. In addition, in the case of depositing cash, step 45 in Figure 8
It is not necessarily necessary to perform the check in step 3 sparsely.

Although the embodiment described above uses an authentication method in which an ID card is inserted into the terminal device, the terminal device may be configured as a dedicated machine that performs authentication only with a personal authentication means installed at home or the like without an ID card. In this case, from the terminal device to the card machine oval section 14
The system can be constructed at a low cost by deleting , and step 100 of the operation flow shown in FIG. 6 is changed to a cadance display step that prompts only the input of the telephone company name, and step 200 is abolished.

In the above embodiment, the personal authentication means is composed of a telephone 31, an IC card processing device 32, etc., but the telephone 31
A telephone body can be used as long as it has memory and a control section.

In yet another embodiment, the intercom of the terminal device is used to communicate with a family member through a four-speaker 31,
It may also be configured such that the family member manually contacts the host computer through authentication +1930.

In addition, as another embodiment, terminal device #102 personal authentication device 30. Even if the device 60 is connected using a communication method other than the one used in the above embodiment (Votetex service, etc.), or the user's identity is authenticated by an authentication method at the user's home. good.

It is also possible to further enhance the security of personal authentication by printing the response journal file (FIG. 4) of the personal authentication means, which is the reply from the host computer.

[Effects of the Invention] As explained above, according to the present invention, cash disbursements can be made by inputting from a terminal device and using an identification means installed remotely from the device. There is no need to issue or bury a special card (magnetic card, IC card, etc.) for personal authentication, and an economical and highly secure automatic transaction system can be constructed.

[BRIEF DESCRIPTION OF THE DRAWINGS] Fig. 1 is a system configuration diagram of the present invention, Fig. 2 is a perspective view of a terminal device, Fig. 3 is a file layout diagram of the personal authentication take in the memory of the personal authentication means, Figure 4 is a layout diagram of the answer journal file from the central device in the memory, Figure 5 is a block diagram of the person authentication means, Figure 6 is an operation flow diagram of the terminal device, and Figure 7 is an operation flow diagram of the person authentication means. , Fig. 8 is a flowchart of the central device's identity authentication operation, and Fig. 9 is a middle school 5! : is a flow diagram of the transaction operation of the device. 10: Terminal device, 30: Personal authentication means, 40: Built-in storage device, 60: Central device agent Patent attorney Katsuo Ogawa 1'\, Figure J, Item 3, $4, J65 Figure 7

Claims (3)

[Claims] 1. A terminal device that sends an authentication code to a communication line by the transaction's operation, and after receiving and confirming the above authentication code, it reads the account number/PIN code corresponding to this authentication code from a built-in storage device and sends it via the communication line. An identity authentication means to
An automatic transaction system comprising a central device that receives and confirms the account number and password, then determines whether or not the designated account can be accepted, and transmits the determination result to the terminal device. 2. 2. The automated transaction system according to claim 1, wherein the terminal device is an automated teller machine, and the central device is a host computer that controls the automated teller machine of a financial institution. 3. The automatic terminal device according to claim 1, wherein the terminal device is an authentication machine installed in a financial institution, etc., and the authentication machine contacts the person authentication means via a communication line. trading system.