WO2002075676A1

WO2002075676A1 - Automatic transaction device and transaction method using it

Info

Publication number: WO2002075676A1
Application number: PCT/JP2001/002194
Authority: WO
Inventors: Yoshiharu Hinata
Original assignee: Fujitsu Limited
Priority date: 2001-03-19
Filing date: 2001-03-19
Publication date: 2002-09-26
Also published as: JPWO2002075676A1

Abstract

When a customer conducts a transaction using an automatic transaction device and the transaction device is used under transaction conditions different from pre-registered (or predefined) specified transaction conditions, a second password, in addition to an ordinary code number (password), is checked. Since a customer normally uses an automatic transaction device within transaction conditions, a use of the automatic transaction device under conditions different from the transaction conditions will constitute a high possibility of the transaction being conducted by a third party to thereby contribute to the prevention of illegal transactions.

Description

Description Automatic transaction apparatus and transaction method therefor

The present invention relates to a transaction method in an automatic transaction apparatus that automatically performs transactions such as cash deposits and withdrawals in a financial institution such as a bank, and an automatic transaction apparatus that executes the method. [Background technology]

At financial institutions such as banks, cash automatic teller machines (ATMs) that automatically perform cash deposit and withdrawal I and transfer bows, and cash dispensers that automatically perform cash withdrawal transactions (ATMs) Automatic transaction devices such as CDs) have become widespread. Upon receiving a transaction medium such as a cash card or a passbook from a customer, the automatic bow I device automatically deposits cash from the customer or exchanges cash with the customer while communicating with a host computer connected by a communication line. Execute the process of paying.

When executing such processing, the automated teller machine first requests the input of a PIN in order to confirm that the received transaction medium is genuine, and the entered PIN and Confirm that the password registered in the host computer matches, and proceed with the process.

However, if a third party fraudulently obtains the customer's transaction medium and its PIN, the third party can fraudulently transact with the automated teller machine on behalf of the customer. . .

Also, in a normal transaction, it is necessary to enter a password to confirm the identity, and the password entered by the customer is transmitted to the host computer through a communication line as it is or after being encrypted. You. Therefore, there is a possibility that a third party may illegally access the communication line and steal the password.

In this way, if a transaction medium such as a cash card is stolen or forged by a third party, and the password is also stolen, unauthorized transactions using an automatic transaction device will occur. There is a problem that could be done. [Disclosure of the Invention]

An object of the present invention is to provide a transaction method in an automatic transaction device that can prevent unauthorized transactions using the automatic transaction device.

In order to achieve the above object, according to the transaction method of the present invention, transaction conditions for each customer are set, and when a transaction currently in progress with the customer is a transaction outside the transaction conditions of the customer, Requires the entry of a second password, separate from the password (first password) required for normal transactions.

Preferably, a transaction method of the automatic transaction apparatus of the present invention for achieving the above-mentioned object comprises: an automatic bow for automatically executing a predetermined transaction with a customer; Prompts for

In addition to matching the first password, matching the ongoing transaction with the specified trading conditions,

If the transaction in progress is outside the transaction conditions, a second password is required to be entered.

The transaction conditions are in the form of a bow bow I in which each customer normally uses an automatic transaction device.For example, for each customer, at least one of the transaction media used for the transaction, the store, the transaction time, the transaction amount, etc. Is set for one.

[Brief description of drawings]

FIG. 1 is a block diagram of an automatic transaction apparatus and a host computer according to an embodiment of the present invention.

FIG. 2 is a processing flowchart of the first transaction method of the automatic transaction device according to the embodiment of the present invention.

FIG. 3 is a processing flowchart of the second transaction method of the automatic transaction device according to the embodiment of the present invention.

[Best Mode for Carrying Out the Invention] Hereinafter, embodiments of the present invention will be described with reference to the drawings. However, the technical scope of the present invention is not limited by such an embodiment.

FIG. 1 is a block diagram of an automatic transaction apparatus and a host computer according to an embodiment of the present invention. The control unit 10 of the automatic transaction apparatus 1 processes each transaction such as a cash deposit transaction and a cash payment transaction while communicating with the host computer 2 through the communication unit 11. The display unit 12 displays guidance information and the like according to the transaction process. The transaction medium processing unit 13 reads the magnetic stripe attached to the cash card (and / or passbook inserted from the passbook slot) inserted from the cash drawer, and obtains customer data such as an account number. In the case of a transaction medium having an IC chip, such as an IC card, the customer data is obtained from a memory built in the IC chip. The print processing unit 14 prints the transaction statement and the like, and discharges the transaction statement receipt together with the cash card from the card slot. The operation unit 15 includes a numeric keypad and a touch panel provided on the display unit 12, and the customer inputs a B-phone number and other necessary data from the operation unit 15. The cash processing unit 16 pays out the amount of cash requested by the customer from the cash storage unit 17 and stores cash deposited by the customer in the cash storage unit 16.

The control unit 20 of the host convenience 2 communicates with the automated teller machine 1 through the communication unit 21 while collating the password transmitted from the automated teller machine 1, creating the transaction history, and creating the customer data. It manages each transaction, such as storing it in the overnight base 22. The customer data storage rate 22 stores the customer data such as the personal identification number and transaction data such as the transaction history of each customer.

In such a configuration, in the embodiment of the present invention, the conditions under which the customer makes a transaction using the automatic transaction device (transaction conditions) are set in advance, and the automatic transaction device is set under conditions different from the transaction conditions. If a customer uses a password, it is necessary to enter a second password registered in advance by the customer in addition to the normal password (hereinafter, also referred to as the first password) in order to make a transaction. I do.

The transaction conditions are, as will be described in detail later, the state in which the customer himself uses the automatic transaction equipment (eg, transaction medium, store, time, amount, etc.). Since the customer himself / herself usually uses an automatic transaction device within the transaction terms, If a mobile transaction device is used, it can be estimated that the transaction is fraudulent.

Even if the customer himself / herself uses the automatic transaction equipment outside of the Torigi I condition, the customer himself / herself can enter the second password and still conduct transactions normally. However, since the second password is not used by the customer himself in the normal use of the automatic bowing device, the second password will not be transmitted from the automated teller machine to the host computer as an overnight message. . Therefore, it is extremely difficult for a malicious third party to obtain a second password by wiretapping.

In addition, since the third party does not know the transaction conditions, it steals the transaction medium and the security code (first password) (or falsifies the transaction medium), and automatically conducts transactions such as cash withdrawal. Even if equipment is used, there is a high possibility that automatic transaction equipment will be used outside of the transaction conditions. And in that case, since the third party does not know the second password, the third party cannot conduct the transaction and can prevent the illegal transaction.

The transaction conditions will be described. Transaction terms are the manner in which a customer normally uses an automated transaction device in a certain manner. For example, a customer usually only trades at a fixed branch of a fixed bank, and if the customer registers the branch as a transaction condition, the customer can use a force at another bank or another store. It can be determined that the card may have been stolen or forged and may have been misused.

Hereinafter, specific examples of the transaction conditions are shown.

(a) Transaction medium: use of card only, use of both card and passbook, etc.

(B) trading shop: financial institutions _/ / branch office to carry out the transaction, or range, such as city / county to carry out the transaction

Financial institution Z branch, etc.

(c) Time: Time of transaction / day of the week / date etc.

(d) Amount: range of transaction amount (at least designation of payout limit), etc. Such transaction conditions include, for example, (1) Registered in the customer database of the host computer as customer information in advance by customer's application Or recorded on the customer's cash card, or (2) customer recorded on an overnight basis. Defined from the customer's past transaction history.

(1) Registration of transaction conditions by customer's application

The terms and conditions are registered with the second password (or recorded on the card) at the customer's own request when the customer opens a new account or at any time after the account is opened. Table 1 is an example of customer information registered in the customer database 22 of the host computer.

(table 1 )

(2) Definition of transaction conditions from customer transaction history

The terms and conditions are defined by HostComputer2 based on past transactions that the customer has actually made. Since most illegal transactions are cash withdrawal transactions, Host Combi2 defines transaction conditions by extracting the history of cash withdrawal transactions from multiple transaction types. The following is an example of defining transaction conditions from the past 10 cash dispensing transactions.

Table 2 shows the past 10 transaction histories and the corresponding transaction conditions. (Table 2)

The definition conditions of each item of the transaction conditions in the above example are as follows.

Transaction media: Combination pattern of transaction media used 3 or more times (card only or both card / passbook)

Dealers: Dealers that have been used more than three times

Time: In three or more times during the same time period (except for one hour),

Time zone from the earliest time 30 minutes to the latest time + 30 minutes Transaction amount: In the same amount range (for example, within 10,000 yen) three or more times,

Minimum amount-1 0 0 0 0 yen to maximum amount + 1 0 0 0 0 yen amount range If there is no transaction condition item that corresponds to the definition condition, the transaction condition does not have to be defined for that item . The conditions for defining the transaction conditions are not limited to the above, and other transaction condition items may be set.

As described above, the transaction conditions are registered (or defined) based on the transactions normally performed by the customer, and the transaction conditions vary depending on the customer, and it is difficult to estimate by a third party.

FIG. 2 is a processing flowchart of the first transaction method of the automatic bow I device according to the embodiment of the present invention. A cash dispensing transaction will be described as an example. In Figure 2, the second pass The example of the case where the password and the transaction condition are stored in the customer data base 22 of the host computer 2 is shown. First, the customer inserts the transaction medium (card and / or passbook) into the automatic bowing I device 1 according to the guidance on the screen of the automatic transaction device 1 (S10), and then, enters the ordinary password (first Password) (S11), and then enter the transaction amount (S12).

The automatic transaction apparatus 1 transmits the transaction data including the account number, the password, and the transaction amount read from the transaction medium to the host computer 2 (S13). In addition, the transaction data includes data relating to transaction conditions such as the identification number of the automatic bowing I device (the store can be identified), transaction date and time, and the type of transaction medium used.

The host computer 2 refers to the customer data base 22 and first checks (checks) the personal identification number (S14). Here, it is assumed that the passwords match. Further, the host computer 2 checks whether or not the transaction conditions are registered, and if registered, checks (checks) the transaction conditions (S15).

As described above, when the transaction conditions are registered as customer information in advance, the host computer compares the registered transaction conditions with the transmitted transaction conditions to determine whether the transaction conditions are within or outside the transaction conditions. I do. Alternatively, when defining the transaction conditions based on the transaction history, the host computer overnight extracts a predetermined number of recent transaction histories from the customer data base 22, defines the transaction conditions, and defines the defined transaction conditions. The transaction conditions are compared with the transmitted transaction conditions to determine whether they are within the transaction conditions or not.

The host computer 2 returns to the automatic transaction apparatus 1 a response data including the first password match and a result of verification of whether the transaction condition is within or outside the transaction condition (S16).

In step S17, if the transaction conditions are not met, the automated teller machine 1 displays a screen prompting the input of the second password on the guidance screen of the display unit, and the customer inputs the second password (S18). ). The automatic bowing I device 1 sends a transaction data including the second password to the host computer (S19). The host computer 2 collates the second password registered on the basis of the customer data (S20), and returns matched / mismatched data (S21).

Upon receipt of the match (S22), the automatic transaction apparatus 1 performs a cash payout process (S23), and finally discharges a transaction statement receipt (S24). on the other hand, When the mismatch is received, the transaction is stopped (S25).

In this way, in transactions outside the terms and conditions of the transaction, the user is required to enter a second password, which is different from the normal password, and if the second passwords do not match, the transaction is not permitted. This can prevent unauthorized transactions by third parties. Also, in a normal transaction (transaction within the transaction conditions) by the customer himself / herself, the transaction can be made only by inputting a normal password, so that the operation of the customer himself / herself can be prevented from being complicated.

FIG. 3 is a processing flowchart of the second transaction method of the automatic transaction device according to the embodiment of the present invention. In Fig. 3, in addition to the process of Fig. 2, if the second password is verified, a process to limit the transaction amount is added. This transaction amount restriction processing will be described. For this processing, the transaction P goodness value in the transaction outside of the bow 1 condition is registered in advance. The transaction limit is registered in the customer database 22 based on the application by the customer.

In step S16 or S21, the host computer 2 also returns the transaction limit.

After confirming that the second password matches in step S22, the automated teller machine 1 compares the transaction amount entered at the beginning (S12) with the transaction limit received from the host computer 2. (S30) If the transaction amount is larger than the transaction limit, the fact is displayed on the display screen to urge the transaction amount to be reduced. The customer re-enters the transaction amount (S31).

Then, when the transaction amount becomes equal to or less than the transaction limit, as in FIG. 2, a cash withdrawal process is executed (S23), and a torii fine receipt is issued (S24).

In this way, by setting a limit on the transaction amount for transactions outside the transaction conditions, it is possible to minimize the amount of damage caused by unauthorized transactions.

In the above embodiment, if the transaction conditions are not recorded on the customer data base of the host computer 2 but on the card, the transaction condition matching process in step S15 is performed by the automatic transaction device. Do.

Further, in the above embodiment, when recognizing a transaction outside the transaction conditions, the automatic transaction device may notify a predetermined alarm device or activate a security camera. This In this way, by linking with a security system, illegal transactions can be prevented. The protection scope of the present invention is not limited to the above embodiments, but extends to the inventions described in the claims and their equivalents.

[Possibility of industrial use]

As described above, according to the present invention, when a customer conducts a transaction using an automatic transaction apparatus, in addition to checking (verifying) a normal PIN (first password), the customer registers (or verifies) it in advance. If the automated teller machine is used under conditions different from the defined transaction conditions, the second pass-pad is checked.

Since the customer himself / herself usually uses an automatic transaction device within the transaction conditions, it is highly probable that if an automatic transaction device that differs from the transaction conditions is used, the transaction is likely to have been made by a third party And contribute to the prevention of fraudulent transactions.

Claims

The scope of the claims

1. In a transaction method using an automatic transaction device that automatically executes a predetermined transaction with a customer,

Previous Ϊ3 Require customer to enter first password,

Collating the first password, collating ongoing transactions with predetermined transaction conditions,

A transaction method, wherein when the ongoing transaction is out of the transaction conditions, the user is required to input a second passcode.

2. In Claim 1,

The transaction method, wherein the transaction condition is at least one of a transaction medium, a store, a transaction time, and a transaction amount used for the transaction for each customer.

3. In claims 1 or 2,

The transaction conditions are registered in advance in a host computer device connected to the automatic transaction device via a communication line,

The automatic transaction device transmits a transaction data regarding the ongoing transaction to the host computer device,

The transaction method, wherein the host computer device compares the transaction data with the registered transaction conditions corresponding to the customer, and returns a result of the comparison to the automatic transaction device.

4. In claims 1 or 2,

The transaction conditions are defined by the host computer device based on a transaction history of the customer stored in the host computer device connected to the automatic transaction device via a communication line,

Ten

Revised IE 規則 (Rule 91) The transaction method, wherein the host computer device compares the transaction data with the defined transaction 1 condition, and returns a result of the comparison to the automatic transaction device.

5. In claims 1 or 2,

The transaction conditions are recorded on a transaction medium used for a transaction with the automatic bowing device,

The transaction method, wherein the automatic transaction device reads the bowing I condition from the transaction medium and checks the condition against the transaction in progress.

6. In any of claims 1 to 5,

A transaction method characterized by terminating the transaction when the second passwords do not match.

7. In any of claims 1 to 5,

The transaction is the cash dispensing transaction,

If the second password does not match, the transaction amount is limited to a predetermined limit registered in advance.

8. In an automatic bowing I device that automatically executes a predetermined transaction with a customer,

A transaction control unit that requests the customer to enter a first password as the transaction progresses, and further requests a second password if the ongoing transaction is out of predetermined transaction conditions. When,

An automatic transaction apparatus, comprising: an input unit for the customer to input the first password and / or the second password.

9. In Claim 8,

The automatic transaction equipment, wherein the transaction condition is at least one of a transaction medium, a transaction store, a transaction time, and a transaction amount used for the transaction for each customer.

11

Corrected paper

In Okinai 8 or 9 of the request,

The bowing 1 condition is registered in advance in a host computer device connected to the automatic transaction device via a communication line,

The transaction control unit transmits a transaction data relating to the ongoing transaction to the host computer device,

An automatic transaction apparatus, which receives a result of a comparison between the transaction data performed by the host computer apparatus and the registered transaction conditions corresponding to the customer. In claims 8 or 9,

The transaction control unit transmits transaction data relating to the ongoing transaction to the host computer device,

An automatic transaction apparatus receiving a result of a comparison between the transaction data performed by the host computer apparatus and the defined transaction conditions. In claims 8 or 9,

The transaction conditions are recorded in a transaction medium used for transactions with the automatic transaction device,

A reading unit that reads the transaction conditions from the transaction medium;

The automatic bow I device, wherein the transaction control unit checks the read transaction conditions with the ongoing bow I. In any one of claims 8 to 12,

The transaction control unit, when the second password does not match, the transaction

12 revised paper JE (Kaikai! 191> Automatic transaction equipment characterized by canceling.

14. In any one of claims 8 to 12,

The transaction is the cash dispensing transaction,

The automatic transaction device, wherein the transaction control unit limits the payout amount to a predetermined limit registered in advance when the second passwords do not match.

15 5. In a computer device connected via a communication line to an automatic transaction device that automatically executes a predetermined transaction with a customer,

A data base that stores transaction conditions for each customer,

A computer device comprising: a transaction progressing in the automatic transaction device; and a collation unit for collating the transaction conditions of the customer. 16. In a convenience store device connected via a communication line to an automatic transaction device that automatically executes predetermined transactions with customers,

An evening comprising a first password and a second passcode of the customer;

The first passcode transmitted from the automatic transaction device is collated, and furthermore, if the transaction progressing in the automatic transaction device is out of predetermined transaction conditions, A computer device, comprising: a collating unit that verifies the transmitted second password.

13

Revised form (Rule 91)