JP2012099031A - Automatic transaction system - Google Patents

Abstract

An automatic transaction method is provided that enables a high-value transaction exceeding a usage limit, which is highly convenient for a user, while maintaining a highly secure authentication function.
By using not only a personal identification number of a cash card but also personal authentication information that only the principal can know, it is possible to conduct a transaction for raising the usage limit in an automatic transaction apparatus. Thereby, it is possible to realize a high-priced transaction in the automatic transaction apparatus without requiring a terminal operation other than the automatic transaction apparatus.
[Selection] Figure 1

Description

  The present invention relates to an automatic transaction apparatus system for performing transactions with an automatic transaction apparatus using a cash card, and in particular, an automatic transaction system capable of raising the usage limit for one or more transactions using only a cash card. It is about.

  In many financial institutions, in order to minimize the damage of fraudulent transactions caused by cash cards that have been forged by skimming, etc., or stolen cash cards, one day or once at an automated teller machine (ATM) The transaction limit is set.

  In recent years, there are financial institutions that allow users to further reduce the maximum amount of transactions per day or transaction using an automatic transaction device to improve security, etc., so that users themselves can minimize damage. Means are also provided.

  Normally, transactions that exceed the limit of use cannot be made at ATMs, but transactions that exceed the limit of use by performing personal authentication using not only the cash card PIN but also other authentication information. Has been proposed (see Patent Document 1). The user accesses the WEB server by operating the information terminal carried by the user, applies for a transaction exceeding the limit of use, obtains authentication information that can be used only once, and uses the automatic transaction device to identify the cash card. By using the number and the acquired authentication information, it is possible to conduct transactions exceeding the limit of use.

JP 2007-241359 A

  According to the conventional example, there is an effect of minimizing damage by setting a usage limit. However, when it is desired to conduct a transaction that exceeds the usage limit temporarily in ATM, or temporarily by a user. Therefore, when it is desired to raise the usage limit amount that has been reduced, it is necessary to carry out the procedure at the financial institution's window, which is inconvenient for the user.

  In addition, some financial institutions provide a means to lower the user's own limit, but there are few users who reduce the limit because of the reduced convenience. Is the actual situation.

  If the transaction exceeding the usage limit or the increase of the usage limit can be performed by the automatic transaction apparatus without requiring a procedure at the window, the above problem can be solved by improving convenience. In Patent Document 1, security is ensured by using authentication information that can be used only once as well as identity authentication using a cash card PIN, and transactions exceeding the usage limit are made possible. However, in order to acquire authentication information, it is necessary to access and acquire the WEB server by operating the information terminal carried by the user, and it is necessary to operate the terminal other than the automatic transaction device. Convenience for a person is not necessarily high.

  Furthermore, in the case of deposit withdrawal transactions, the amount that can be withdrawn at one time with an automatic transaction device has a limit on ATM operation, and if you want to withdraw an amount that exceeds that limit, withdraw it in multiple steps. Since it is necessary, it is necessary to acquire the authentication information a plurality of times.

  In addition, the user needs to have an information terminal for accessing the WEB server, and even if the user has an information terminal, the operation is complicated and difficult to use if the user is an elderly person. There is a possibility.

  In order to achieve the above-described object, the present invention provides an automatic transaction apparatus that is operated by a customer and performs transaction, and personal authentication different from a customer's account information and a preset cash card PIN such as when an account is opened. An automatic transaction system having a customer database in which information is registered and a host computer to which the automatic transaction apparatus is connected, and when a customer conducts a transaction for raising the usage limit with the automatic transaction apparatus, The automatic transaction apparatus allows the customer to input the authentication information, transmits the authentication information to the host computer, the host computer acquires the authentication information from the customer database, and the authentication information is sent to the customer computer. If the identity verification information received from the automatic transaction device matches and matches, the use of the automatic transaction device is permitted to increase the usage limit. Characterized in that it allows the transaction within the scope of the pulled-up credit limit.

  According to the present invention, it is possible to conduct high-priced transactions by raising the limit of use without requiring operation of a terminal other than the automatic transaction apparatus while ensuring high security. Improves.

  Furthermore, the improvement in convenience leads to an increase in the number of users who use the reduction of the usage limit, and as a result, the damage amount of fraudulent transactions is also reduced.

It is a block diagram of the automatic transaction system of this invention. It is a figure which shows an example of the data in the customer database of this invention. It is a flowchart which shows the transaction processing of the automatic transaction system of this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention. It is an example of the guidance screen of the automatic transaction apparatus in this invention.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings. This embodiment relates to an automatic transaction apparatus such as an ATM that is employed in a financial institution system such as a bank system.

  FIG. 1 is a block diagram of a system connected to a center 10 of a financial institution via an automatic transaction apparatus 1 and a communication network 2 according to the present embodiment.

  An automatic transaction apparatus (hereinafter referred to as ATM) 1 is installed in a financial institution's sales office, etc., and has a function of performing a deposit transaction, a withdrawal transaction, a transfer transaction, etc. by a customer's operation, and a communication network through a line connection unit (not shown) 2 is connected to a host computer 3 provided in the center 10 of the financial institution.

  ATM1 is a device that automatically executes various transactions requested by the user, and includes an operation unit (not shown), a card / detail slip mechanism unit, a passbook mechanism unit, a bill deposit / withdrawal mechanism unit, a coin deposit / withdrawal mechanism unit, and voice guidance. It comprises a guidance unit and a control unit that controls these units. The control unit includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and controls various processes and transactions.

  In the center 10 of the financial institution, a billing host computer 3 and a customer database (hereinafter referred to as customer DB) 4 managed by the host computer 3 are installed.

  In the customer DB 4, the name, account number, personal identification number, account balance, handling limit, etc. are registered as customer attribute information for each customer, and the host computer 3 conducts customer transactions at ATMs based on this attribute information. In this embodiment, personal authentication information different from the password is registered together with the attribute information in this embodiment.

  FIG. 2 is a data configuration example of the personal authentication information registered in the customer DB 4. The personal authentication information is information that can be known only by a person other than the personal identification number, and is information for authenticating the identity. Such information is registered in advance by the person at a financial institution or ATM.

  Next, a transaction flow in the case where the user conducts a transaction for raising the usage limit at ATM 1 will be described with reference to FIGS. 3 and 4 to 14. FIG. 3 shows an example of a transaction processing flow in ATM1. Moreover, FIGS. 4-14 shows the image figure of the operation guidance screen at the time of transaction operation in ATM1.

  First, the initial screen (FIG. 4) of the transaction operation guidance screen provided in the operation unit of ATM 1 displays start buttons for various transaction items for the customer to start a transaction. For example, various transactions that can be done at ATM1, such as “withdrawal”, “deposit”, “balance inquiry”, “transfer”, “transfer”, “passbook entry”, “time deposit”, “change PIN”, “change limit” Items are displayed.

  Next, when the user selects “change limit” from among the transaction items, the operation unit detects the selection and displays a selection guide screen (FIG. 5) for the detailed item of the limit change transaction. . For example, “down” and “up” are displayed (S300).

  Next, when the user selects “increase” from the transaction detail items, the operation unit detects the selection and starts a transaction for raising the usage limit. Subsequently, the operation unit displays a card insertion guide screen (FIG. 6) for prompting card insertion on the operation guide screen, and the card mechanism unit waits in a card insertion waiting state for accepting a cash card inserted by the user.

  Next, when the user inserts the card held by the user into the card insertion slot of the card mechanism unit (S301), the card mechanism unit reads the magnetic stripe information of the inserted card. Next, the operation unit displays a password input screen (FIG. 7), and the user inputs the password from the numeric keypad on the operation guide screen (S302).

  As a result, the magnetic stripe information such as the password and the account number read from the cash card is sent from the ATM 1 to the host computer 3 via the line connection unit 2 (S303).

  When receiving the information, the host computer 3 confirms the identity of the customer based on the personal identification number. If the identity is confirmed, the host computer 3 randomly determines a plurality of question numbers for the personal authentication information (S304). The determined question number is sent to the ATM 1 via the line connection unit 2. During this time, a screen indicating that processing is being performed in ATM 1 as shown in FIG. 8 is displayed to the user.

  When the ATM 1 receives the question number (S305), the operation unit next displays an answer input guide screen (FIG. 9) corresponding to the question number, and the user inputs the answer contents from the keys of the answer input guide screen ( S306). The operation unit repeats the process of displaying the answer input guidance screen and receiving the answer contents as many times as the number of received question numbers. In this embodiment, the case where the number of questions is four is shown. The ATM 1 sends all the received question numbers and the contents of answers to each question as identification information to the host computer 3 via the line connection unit 2 (S307).

  When the host computer 3 receives the personal authentication information from the ATM 1, the host computer 3 compares it with the response content of the personal authentication information registered in the customer DB 4 (S 308). If even one response content does not match, the personal authentication is performed. Notify ATM1 of failure, and cancel the transaction. If all of them match, the notification of the establishment of the personal authentication and the current usage limit of the user are sent to ATM 1 via the line connection unit 2 (S309). During this time, a screen indicating that processing is being performed in ATM 1 as shown in FIG. 10 is displayed to the user.

  When the ATM 1 receives the notification that the personal authentication has been established, the operation unit displays the usage limit input guidance screen (FIG. 11), and the user inputs the desired usage limit from the numeric keypad on the operation guidance screen (S310). . On this screen, the current user's usage limit is displayed. A screen (Fig. 12) prompting the user to reconfirm the changed usage limit is displayed, and when the user confirms the usage limit, the changed usage limit, the account number read from the cash card, etc. Are sent from the ATM 1 to the host computer 3 via the line connection unit 2 (S311).

  When the host computer 3 receives the changed usage limit amount from the ATM 1, the host computer 3 updates the usage limit amount of the user registered in the customer DB 4 to the received usage limit amount and the update of the usage limit amount is normal. The ATM 1 is notified of the completion (S312). During this time, the user is presented with a screen indicating that processing is being performed in ATM 1 as shown in FIG.

  When the ATM 1 receives the usage limit update completion notification, the operation unit next displays a guidance screen (FIG. 14) for notifying the user that the usage limit has been changed (S313), and the card mechanism unit. The card is returned from the card insertion slot (S314).

  When the card mechanism detects that the user has removed the cash card, ATM1 ends the transaction.

  The present invention is not limited to the above-described embodiment. For example, in the above-described embodiment, a question number for personal authentication is received from a host computer, and an answer input guidance screen corresponding to the received question number is displayed. However, the question number may be randomly determined by ATM 1 and an answer input guidance screen corresponding to the determined question number may be displayed.

  Further, in the above-described embodiment, the determination method of the question numbers to be answered is all determined at random, but the determination method of determining the question numbers of the required answers and determining the remaining question numbers at random. It is also possible to do.

  In the above-described embodiment, the usage limit is raised permanently. However, it is possible to further increase security by temporarily raising the usage limit such as for 30 minutes. .

DESCRIPTION OF SYMBOLS 1 ... Automatic transaction apparatus, 2 ... Line connection part, 3 ... Host computer, 4 ... Customer database, 10 ... Center of financial institution

Claims (4)

An automatic transaction system comprising an automatic transaction apparatus that is operated by a customer to perform transactions and a host computer having a database in which customer authentication information is registered,
The database has authentication information different from a cash card PIN used for transactions in the automatic transaction apparatus,
When there is a request for raising the transaction limit by the customer, the automatic transaction apparatus transmits predetermined authentication information input by the customer to the host computer,
The host computer obtains the authentication information from the database, and when the authentication information received from the automatic transaction apparatus matches, the host computer permits an increase in the usage limit amount in the automatic transaction apparatus. system. In the automatic transaction system according to claim 1,
2. The automatic transaction system according to claim 1, wherein the authentication information includes a question item and a reply content for a user of the automatic transaction apparatus. In the automatic transaction system according to claim 1 or claim 2,
The authentication information is composed of a plurality of questions and their answer contents,
When there is a request for raising the transaction limit by the user from the automatic transaction apparatus, the host computer randomly selects from the plurality of authentication information, notifies the automatic transaction apparatus, and makes the user answer Automatic transaction system characterized by In the automatic transaction system according to claim 3,
An automatic transaction system is characterized in that the authentication information includes mandatory questions that must be answered, and other questions are determined at random.

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