JPS63237169A - Automated teller machine - Google Patents

Abstract

PURPOSE:To enable kind consideration for an inputting mistake by preventing a magnetic medium from being made invalid, when a personal identification number, read from the magnetic medium, and the personal identification number, a user inputted, do not coincide with each other, and the discordance is due to the inexperience of the user. CONSTITUTION:A central device 1 and an automatic cash dealing device 2 are connected by a communication channel. In the automated teller machine 2, the personal identification number, read from the magnetic medium, and the personal identification number, inputted by the user, are compared with each other, and in the case of the discordance, the numerals of the same figures of both the personal identification numbers are compared with each other. When the number of the coincident figures after this comparison is more than a prescribed number, the magnetic medium is prevented from being made inva lid, because the user is regarded as a person himself.

Description

DETAILED DESCRIPTION OF THE INVENTION [Field of Industrial Application] The present invention relates to an automated teller machine, and more particularly to an automated teller machine equipped with a password checking function suitable for verifying the identity of the individual.

[Conventional technology]

Conventionally, as a method for verifying the identity using a PIN number in automated teller machines, for example, HI TAC Function Manual r
HT-2806 Automatic teller machine” (February 1986)
The PIN read from the magnetic card and the PIN entered by the user are compared, and if they do not match, the discrepancy counter is updated by +1, and the discrepancy counter value is updated. When the value exceeds the specified value, the validity code of the magnetic card is updated by +1, and when the value of this validity code becomes 2, the magnetic card is invalidated so that the magnetic card cannot be used from now on. There was a known way to do it.

[Problem that the invention seeks to solve]

However, as touch panels and other devices have recently been introduced as a means of inputting PIN numbers, users who are accustomed to conventional key-type input are becoming more prone to input errors during the transition period until they get used to inputting on touch panels. There were many users who invalidated their magnetic cards due to input errors made by the user, and no consideration was given to the degree of error in entering the PIN number.

The present invention has been made in view of the above circumstances, and its purpose is to solve the above-mentioned problems in conventional automated teller machines, and to solve the problems of the conventional automated teller machine, by combining the PIN number read from the magnetic card and the PIN input by the user. Even if there is a discrepancy in the results of the comparison, if this discrepancy is due to the user being unfamiliar with the operation, the cash Our purpose is to provide automatic transaction equipment.

[Means for solving problems]

The above object of the present invention is to compare a password read from a magnetic medium and a password input by a user, and to compare the number of discrepancies between the password read from the magnetic medium and the password input by the user. exceeds a predetermined number of times,
In an automatic teller machine having a function of rewriting the validity indicator of the magnetic medium to invalid, if the result of comparing the PIN read from the magnetic medium and the PIN input by the user does not match, the magnetic The values at the same digit positions of the PIN read from the medium and the PIN entered by the user are compared, and if the number of matching digits exceeds a predetermined number, the validity indicator of the magnetic medium is This is achieved by an automated teller machine characterized in that it is not a factor for updating.

[Effect]

In the present invention, the PIN read from the magnetic medium and the PIN input by the user are compared, and if they do not match, the values of the same digits of both PINs are further compared,
If the number of matching digits is greater than or equal to a predetermined number, the user is assumed to be the user, thereby preventing the magnetic medium from being invalidated due to an input error by the user.

〔Example〕

Embodiments of the present invention will be described in detail below with reference to the drawings.

FIG. 3 shows a configuration example of an online system having a solid device and an automated teller machine according to the present invention. In FIG. 0, 1 is a solid device, 2 is an automated teller machine,
3 is the above-mentioned solid device 1 and an automated teller machine! 2 shows a communication path connecting the two. In Fig. 4 showing the external appearance of the automated teller machine 2, 10 is the main body of the automated teller machine, 11 is a magnetic card insertion slot and usage statement outlet, 12 is a guidance display, and 13 is an operation button unit. , 14 indicates a passbook insertion slot, and 15 indicates a banknote deposit slot and payment slot.

FIG. 5 is a block diagram showing an example of the configuration of the automated teller machine 2. In FIG. 22 is an operation section, 23 is a guidance display section, 24 is a slip/card section that issues slips and performs magnetic card loading/writing, 25 is a bankbook section, and 26 is a section for transferring deposited banknotes for withdrawal. 27 is an internal operation panel section.

Reference numeral 28 indicates a flexible disk section, and 29 indicates a power supply section for supplying power to the entire apparatus.

FIG. 2 is a diagram showing an example of a processing flow when a payment transaction is performed online from the automatic teller machine 2. Further, FIG. 1 is a diagram showing details of the password input processing 33 in FIG. 2.

The operation of this embodiment will be specifically explained below.

First, using Figure 5, take the case of a withdrawal transaction as an example.
The function of each block will be explained in detail.

The power supply section 29 supplies power to all units of the automated teller machine 2. The control unit 20 has a microprocessor and controls all the units mentioned above.The flexible disk unit 2
8 stores a guidance screen for guiding customer operations and a microprogram for operating the microprocessor of the control unit 20.

In the case of a normal online withdrawal transaction, after selecting the transaction from the operation section 22 as guided by the guidance screen on the 1 display section 23, enter the PIN number of the card inserted into the slip/card section 24 and the input from the operation section 22. The user's identity will be verified by matching the entered PIN number, and subsequent transaction data entry will be permitted. Furthermore, by inserting a passbook before inserting the card, unrecorded data and the transaction results can be recorded in the passbook.

When the input of predetermined items necessary for a withdrawal transaction is completed from the operation unit 22, the message is sent to the solid device 1 via the transmission control unit 21 as a makeshift message. The validity of the makeshift message is checked in the solid device 1, and if it is determined to be valid, it is output as a response message to the inquiry and sent to the control unit 20 via the transmission control unit 21.
will be received.

Further, the specified number of banknotes allowed to be withdrawn from the solid device 1 is discharged by the banknote withdrawal unit 26, and the - transaction is completed.

The internal operation panel section 27 is used to specify information specific to the automated teller machine, such as transmission speed, address, device number, etc., or to specify operations for the machine alone, such as printing a total/subtotal. .

Consider a case where a failure occurs in the automated teller machine 2 that makes it impossible to continue processing during the online transaction processing period, that is, from the time a transaction is selected until the time when all media used in the transaction are removed. . The control unit 20 of the automated teller machine 2 displays the processing status inside the machine at that time on the display unit 23.
and onwards.

The transaction is completed by the operation of the clerk. The staff member.

After removing the cause of the failure, restart the device by pressing the reset key on the operation panel or turning the power back on.

Next, referring to FIG. 1, the main points of this embodiment will be explained.

We will explain what to do if a user unconsciously makes an input error when entering their PIN number. In the following explanation, an example will be described in which the user inputs only one digit of the four-digit password incorrectly when inputting the password.

In the processing flow of a payment transaction shown in FIG.

When the card insertion process 32 is completed, the PIN input process 3
Move on to 3. The PIN input process 33 is performed at step 5 in FIG.
Processing starts from TART.

After displaying the "Enter your PIN" guide screen (41), first clear the contents of the discrepancy counter (43)
, then set the PIN input monitoring timer44)
, monitor the user's input operation time.

If the input data is 0 to 9 (45), an input mark (skewer, etc.) is displayed in the input display area of the guide screen (48), and when 4-digit input completion is detected (50),
The manually entered PIN number is checked against the PIN number read from the magnetic card (52), and if the manually entered PIN number matches the PIN number read from the magnetic card (55).
), the validity code is rewritten to "0" in steps 62 and 65, and then the process moves to the first amount input process 34 (see FIG. 2).

On the other hand, if a mismatch in the password is detected in step 55, the number of matching digits is further checked in step 57. If the number of matching digits is not 3, update the mismatch counter by +1 (58), and if the mismatch counter is less than the specified value (here, 3), branch (59).
), the guide screen 42 will guide you to re-enter your password.

Further, if the discrepancy counter is the specified value, that is, 3, the validity code is +it, (58), and further.

Through process 61, the validity code is set to the specified value (in this case).

2) Check whether the following is true. If it is less than 2, a guide screen 64 is displayed to guide the input operation from the beginning,
If the validity code is 2, the guide screen 63 displays that the card cannot be used and guides the user to complete the transaction.

In process 57, if the number of matching digits is 3, that is, if up to 3 digits out of the 4 digits of the PIN number have been entered correctly, the user is assumed to be the user and the discrepancy counter is not updated. , via branch (A), a guide screen 42 will guide you to re-enter your password.

According to the above embodiment, if the magnetic card PIN number and the manually entered PIN number do not match, a check is performed to match the numbers in the same digit position, and if the number of matching digits is greater than the specified value, the operator Since the user is regarded as the user and the password mismatch counter is not updated, it is possible to prevent the magnetic card from being invalidated due to an input error by the user.

In the above explanation, the PIN number read from the magnetic medium and the PIN number input by the user are used.

I have shown an example where each is compared without any special processing, but 1
After performing a predetermined calculation on one or both of the above PIN numbers in order to improve confidentiality.

The present invention also includes checking these coincidences and mismatches. That is, the "PIN number" in the present invention is not limited to one that can be directly compared to check for a match or mismatch.

〔Effect of the invention〕

As described above, according to the present invention, the password read from the magnetic medium and the password input by the user are compared, and the password read from the magnetic medium and the password input by the user are compared. In an automated teller machine having a function of rewriting the validity indicator of the magnetic medium to invalid when the number of mismatches in the comparison exceeds a predetermined number of times, the password read from the magnetic medium and the user's If the results of comparing the entered PIN numbers do not match, the values at the same digit positions of the PIN read from the magnetic medium and the PIN entered by the user are compared, and the number of matching digits is determined in advance. If the number exceeds that number, it will not be considered as a factor for updating the validity indicator of the magnetic medium, so if the result of comparing the PIN read from the magnetic medium and the PIN entered by the user does not match. However, if this discrepancy occurs because the user is not familiar with the operation, this has the remarkable effect of making it possible to realize an automated teller machine that does not invalidate the magnetic medium. It is something.

[Brief explanation of the drawing]

Fig. 1 is a diagram showing details of a PIN number input process in an automated teller machine according to an embodiment of the present invention, and Fig. 2 shows an example of the processing flow when performing a payment transaction online from an automated teller machine. FIG. 3 is a diagram showing a configuration example of an online system having a solid device of the embodiment and an automated teller machine, FIG. 4 is a perspective view showing the external appearance of the automated teller machine, and FIG. 1 is a block diagram showing an example of the configuration of an automatic transaction device 2. FIG. 1: Solid device, 2: Automatic teller machine, 3: Communication path, 1
0: Automatic teller machine main body, 11: Magnetic card insertion slot/usage statement discharge slot, 12: Guidance display, 13: Operation button section, 14: Passbook insertion slot, 15: Bill deposit slot/payment slot, 20: Control unit, 21: Transmission control unit, 22: Operation unit, 23: Guidance display unit, 24: Slip/card unit, 2
5: Passbook section, 26: Banknote deposit/withdrawal section. 27: internal operation panel section, 28: flexible disk section, 29: source section. Patent applicant Masatoshi Isomura°X', Patent Attorney, Hitachi, Ltd. Figure 2 Figure 3 Figure 3

Claims (1)

[Claims] 1. The PIN read from the magnetic medium and the PIN entered by the user are compared, and the number of discrepancies between the PIN read from the magnetic medium and the PIN input by the user is determined by a predetermined number of times. The result of comparing the PIN read from the magnetic medium with the PIN entered by the user in an automated teller machine that has a function of rewriting the validity indicator of the magnetic medium to invalid if the number of times exceeds the limit; If they do not match, the values at the same digit position of the PIN read from the magnetic medium and the PIN entered by the user are compared, and if the number of matching digits exceeds a predetermined number, An automatic cash transaction device characterized in that a validity indicator of a magnetic medium is not used as a factor for updating.