JP2018032302A - Automatic transaction device, automatic transaction system and automatic transaction program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction device, and an automatic transaction system and program for enabling transactions without using a medium carrying customer information during the transaction in the automatic transaction device.SOLUTION: The automatic transaction device for executing account transaction processing with a financial institution in accordance with an account transaction request of a transactor includes: account data holding means for holding a set of a transaction account and a corresponding personal identification number as account data; identification data holding means for holding transactor identification data unique to the transactor and the transaction account in association with each other; identification data reception means for receiving the transactor identification data and the personal identification number; and transaction propriety determination means for collating the transaction identification data received by the identification data reception means with the transactor identification data held by the identification data holding means to specify a transaction account associated with the received transactor identification data, determining whether the personal identification number coincides with a personal identification number of the specified transaction account, and determining whether to respond to the account transaction request in accordance with a result.SELECTED DRAWING: Figure 4

Description

  The present invention relates to an automatic transaction apparatus, an automatic transaction system, and an automatic transaction program.

  Automatic transaction machines such as automated teller machines (ATMs) and cash dispensers (CDs) of financial institutions such as banks are installed in branches of financial institutions and stores such as convenience stores. Has been. The customer can perform account transactions such as deposit, withdrawal, and balance inquiry by performing various operations on the display screen displayed on the automatic transaction apparatus.

  For example, as shown in Patent Document 1, the automatic transaction apparatus records a transaction card such as a cash card or a credit card inserted from a card insertion / eject port at the start of the transaction, a transaction account passbook or other information necessary for the transaction. The transaction data is processed by reading the magnetic stripe and emboss of the medium (hereinafter simply referred to as “medium”) to obtain account data. The automatic transaction apparatus is connected to a host computer such as a financial institution via a network, and is configured to communicate with a host computer (hereinafter also simply referred to as “host”) as appropriate.

JP 2011-128804 A

  Generally, in an automatic transaction apparatus, a trader (customer) selects a desired transaction using a touch panel or the like and proceeds with the procedure. In a conventional automatic transaction apparatus, a medium for carrying customer information such as a cash card or a passbook is necessary when performing a transaction. If such a medium is not at hand of the trader, that is, bring the medium. If you go out or lose the media, you will not be able to trade, which is inconvenient for the trader. In addition, there is a risk that the above medium may be illegally used by others due to loss or theft.

  The present invention has been made in view of the above circumstances, and an automatic transaction apparatus, an automatic transaction system, and an automatic transaction apparatus that can safely perform transactions without using a medium that holds customer information when performing transactions in the automatic transaction apparatus. The purpose is to provide a trading program.

  The automatic transaction apparatus of the present invention is an automatic transaction apparatus for executing an account transaction process with a financial institution in response to an account transaction request of a trader, and sets a pair of a transaction account and a personal identification number corresponding to the transaction account. Account data holding means for holding as account data, identification data holding means for associating and holding trader identification data and transaction account unique to each of the traders, and identification data receiving means for accepting trader identification data and password And the transaction identification data received by the identification data receiving means and the transaction identification data held in the identification data holding means, and a transaction account associated with the accepted transaction identification data is specified. , Whether or not the accepted PIN number matches the PIN number corresponding to the specified transaction account, and whether to respond to the account transaction request according to the determination result And determining transaction determination means for determining, characterized in that it comprises a.

  An automatic transaction system according to the present invention is a transaction system that executes an account transaction process with a financial institution in response to an account transaction request of a trader, and a pair of a transaction account and a PIN corresponding to the transaction account is used as account data. Account data holding means for holding, identification data holding means for holding and storing transaction identification data unique to each of the traders and a trading account, identification data receiving means for receiving the trader identification data and password, and identification The transaction identification data received by the data reception means is compared with the transaction identification data held in the identification data holding means to identify the transaction account associated with the received transaction identification data, and the reception It is determined whether the personal identification number matches the personal identification number corresponding to the specified transaction account, and responds to the account transaction request according to the determination result. Characterized in that it comprises a determining transaction determination means whether the.

  An automatic transaction program according to the present invention is a program that is executed by a computer of an automatic transaction apparatus for executing an account transaction process with a financial institution in response to an account transaction request of a trader, and corresponds to the transaction account and the transaction account. An account data holding step for holding a pair of a personal identification number as account data, a trader identification data holding step for holding a trader identification data unique to each trader in association with a trading account, a trader identification data, and A transaction account associated with the received transaction identification data by comparing the reception step for receiving the personal identification number, the transaction identification data received in the reception step, and the transaction identification data held in the identification data holding step And whether the accepted PIN matches the PIN corresponding to the specified trading account Or determines, characterized in that to execute a determining step, the whether respond to account transaction request in accordance with the determination result.

It is a block diagram which shows the structure of ATM which is an Example of this invention. It is a block diagram which shows the connection relation of ATM of an Example, and the network which controls this. It is a flowchart which shows the first half of the transaction control routine of an Example. It is a flowchart which shows the second half of the transaction control routine of an Example. It is a figure which shows the example of a display of the display of ATM of an Example. It is a figure which shows the example of a display of the display of ATM of an Example. It is a figure which shows the example of a display of the display of ATM of an Example. It is a figure which shows the example of a display of the display of ATM of an Example. The flowchart which shows the modification of a transaction control routine.

  FIG. 1 shows the configuration of an ATM (Automated Teller Machine) 100 as an embodiment of the automatic transaction apparatus of the present invention, and FIG. 2 shows the appearance of the ATM 100 and the configuration of an automatic transaction system 200 including the ATM 100. Yes. The ATM 100 is installed at each branch of a financial institution, for example, and is connected to a host computer (hereinafter also simply referred to as a host) 300 and a CRM server 400 of the financial institution.

  The operation of the ATM 100 shown in FIG. The control unit 11 presents information related to a transaction performed by a selection receiving unit 11A that receives an input regarding selection of a transaction desired by the transaction and a transaction (hereinafter also referred to as a user or a customer) operating the ATM 100. And an information presentation unit 11B.

  11 A of selection reception parts can select a predetermined transaction from various transactions based on predetermined information, and can receive the input regarding selection of the selected transaction.

  The storage unit 12 as an information holding unit stores data necessary for processing of the control unit 11 and data generated in the processing, such as a hard disk, a flash memory, an SSD (Solid State Drive), a RAM (Random Access Memory), and the like. Device.

  The communication unit 13 is a network interface card (NIC) or the like for performing communication such as data transmission / reception with the outside in accordance with an instruction from the control unit 11. The communication unit 13 performs communication with external devices such as a host computer 300 and a CRM server 400 that occur in transaction control described later, for example. Hereinafter, communication between the ATM 100 and the outside is assumed to be performed via the communication unit 13.

  The operation display unit 14 is provided on the front surface of the ATM 100 as shown in FIG. The operation display unit 14 includes a display 14A as a notification unit and a touch pad 14B as an input unit that covers the display surface of the display 14A.

  Based on the operation display signal supplied from the control unit 11, the display 14 </ b> A is a transaction screen including various operation screens or messages (a transaction selection screen on which the transaction type can be selected, and an input of transaction details). It includes a display (for example, a liquid crystal display device) that displays a transaction content reception screen.

  When the user touches an area corresponding to the content displayed on the display 14A, the touch pad 14B supplies an operation signal corresponding to the displayed content to the control unit 11 (for example, a pressure-sensitive or electrostatic type). ) Touchpad.

  The cash deposit / withdrawal mechanism 15 opens / closes the shutters of the bill slot 17 and the coin slot 19 provided on the front surface of the ATM 100 according to the opening / closing control signal supplied from the control unit 11 as shown in FIG. Further, the cash deposit / withdrawal mechanism 15 responds to the cash withdrawal signal supplied from the control unit 11 from a cash hangar (not shown) in which banknotes or coins are stored, to the amount indicated by the cash withdrawal control signal. The corresponding bill or coin is taken out and led out to the bill inlet / outlet 17 and the coin inlet / outlet 19 respectively. Furthermore, the cash deposit / withdrawal mechanism 15 takes in the banknotes or coins that the user has inserted into the banknote slot 17 or the coin slot 19, and stores them in the cash hangar.

  As shown in FIG. 2, the bankbook entry machine 21 takes in a customer's bankbook when it is inserted into a bankbook insertion / extraction port 23 provided on the front surface of the ATM 100. At this time, the bankbook entry machine 21 writes the transaction content indicated by the transaction result signal supplied from the control unit 11 and the execution date and time of the transaction in the customer's bankbook. When the writing is completed, the passbook entry / exit machine 21 discharges the customer's passbook from the passbook insertion / extraction port 23.

  When the customer's transaction card is inserted into the card insertion / extraction port 27 provided on the front surface of the ATM 100 shown in FIG. 2, the information reading / printing machine 25 as the identification data receiving means takes in the transaction card and Read the stored information. This reading is performed by reading the embossing, magnetic stripe or IC chip of the transaction card.

  The information held by the transaction card is, for example, information on the holder of the card, information on a card company that issues the transaction card, a financial institution such as a bank, or the like. That is, the transaction card has identification data of a transaction operator who operates the ATM 100. The information reading printer 25 supplies the read card information to the control unit 11.

  In addition, when the card reading signal is supplied from the control unit 11, the information reading printer 25 discharges the taken transaction card from the card insertion / extraction port 27. Further, the information reading printer 25 prints the transaction result represented by the transaction statement print signal on the statement slip sheet according to the transaction statement print signal supplied from the control unit 11. The statement slip is sent out from the card insertion outlet 27 together with the transaction card.

  Furthermore, the biometric information receiving unit 28 as an identification data receiving unit includes a fingerprint authentication unit 28A and an imaging device 28B provided on the front surface of the ATM 100 as shown in FIG. The biometric information receiving unit 28 receives biometric information that is identification data of a trader who operates the ATM 100 and supplies the biometric information to the control unit 11.

  For example, the fingerprint authentication unit 28A can read the fingerprint of the finger inserted by the operator into the fingerprint authentication unit. In addition, the imaging device 28B can capture an image of an operator who operates the ATM and can, for example, read the iris of the eye or capture an image of the operator's face to recognize the image.

  Furthermore, in ATM100, it can replace with card information and biometric information, and can supply the my number as transaction identification data which can identify a transaction to the control part 11 as identification data. For example, the my number may be input via the touch pad 14B.

  In the following explanation, the case where the personal number (My Number) defined in the Law on the Use of Numbers for Identifying Specific Individuals in Administrative Procedures (Numbering Act) is used as the transaction identification data is taken as an example. explain.

  The control unit 11 transmits identification data such as card information supplied from the information reading printer 25 as identification data of the transaction to the CRM server 400 and responds to the CRM server 400 according to the transaction (for example, card Request customer information (account data), which is information (according to the nominee information). This account data is stored (held) in a customer information database (DB) 400A in the CRM server 400 as account data holding means. The account data is held as a pair with a personal identification number corresponding to the transaction account of the trader.

  The CRM server 400 may associate the trader's My Number and the trading account, and hold them as, for example, a My Number account data set. In that case, the control unit 11 may transmit the received My Number as identification data to the CRM server 400 to request account data or confirm a trader.

  Here, the ATM 100 according to the present embodiment includes the information reading printer 25 that reads the holding information of the transaction card as an existing ATM as an identification data receiving unit, but according to the present invention, as described above. , Without using a medium such as a transaction card, that is, a function of performing transaction confirmation by using transaction identification data such as “My Number” instead of card information.

  Therefore, when the input of “My Number” selected on the transaction selection screen is executed without inserting a transaction card, the information reading printer 25 of the ATM 100 uses the input My Number as the transaction identification data. Can be captured. Thereafter, the ATM 100 allows a normal transaction operation thereafter through input of a “security code” for security, determination of the security code, and determination of transaction feasibility.

  Moreover, as an automatic transaction apparatus of the present invention, it is possible to input and accept transaction identification data such as “My Number”, and it is sufficient to have a function of confirming transaction (customer) based on the data, There may be no facility for inserting / discharging a transaction card such as the card insertion / discharge port 27 shown in FIG.

  In the embodiment, the biometric information supplied from the biometric information receiving unit 28 as the transaction identification data is transmitted to the CRM server 400 together with the card information or in place of the card information, and the corresponding transaction information is sent to the corresponding transaction information. Account data may be requested from the customer information DB 400A and received. Further, the control unit 11 identifies the trader from the card information or the biometric information, transmits the identification data obtained by the identification to the customer information DB 400A, and receives the account data of the identified trader from the customer information DB 400A. May be.

  The account data is, for example, one or more designated transactions selected by a customer who is a trader (such as a transaction card holder) and selected in advance, or a customer transaction history, Contains information about transactions such as transaction orientation. Account data may also include other information such as the customer's personality, transactions that the customer is interested in, and the like.

  The selection receiving unit 11A of the control unit 11 determines a transaction candidate to be displayed on a transaction selection screen for selecting a transaction desired by the user from transactions such as “withdrawal”, “deposit”, and “foreign currency time deposit”. To do.

  Based on the account data, the information presentation unit 11B of the control unit 11 presents information related to the determined transaction candidate, such as balance information, on the transaction selection screen. In addition, after the transaction to be executed by the user is selected, the information presentation unit 11B displays information on the selected transaction such as a predetermined transfer destination and a transfer fee based on the account data on the transaction content reception screen. Present.

[Transaction control routine]
Hereinafter, a transaction control routine of the ATM 100 will be described. 3 and 4 show a transaction control routine R1 executed by the control unit 11. For example, when the power is turned on, the control unit 11 executes a transaction control routine R1. Note that a human sensor or the like may be provided in the ATM 100 so that the transaction control routine is executed when it is detected that the customer has approached the ATM 100.

  First, as shown in FIG. 3, the selection receiving unit 11A of the control unit 11 displays a transaction type input receiving guide screen (hereinafter, the receiving guide screen is simply referred to as a receiving screen) as shown in FIG. 5 on the display 14A. (Step S1). The transaction type input acceptance screen displayed here is a display screen that prompts the trader to select and input a transaction by My Number in addition to a selection input of a desired transaction.

  In the display screen of FIG. 5, when transactions such as “deposit” and “withdrawal” are selected, a normal transaction selection button group A1 (in the broken line in the figure) for displaying a common screen for all customers is displayed. It is displayed. In addition, on the display screen of FIG. 5, when the customer who operates the ATM 100 registers My Number, or performs a My Number transaction that can be performed after registration, a button for transitioning to a screen to be operated is displayed as “My Number”. "Button A2 is prepared.

  After executing step S1, the control unit 11 determines whether or not a transaction type has been selected. Specifically, whether or not any button of the normal transaction button group A1 (FIG. 5) has been pressed via the touch pad 14B. Is determined (step S2).

  If it determines with the transaction type having been selected on the display screen as shown in FIG. 5 (step S2: YES), the control part 11 will perform the normal transaction process according to the said transaction type (step S211). Then, when the transaction processing is completed, a my number registration confirmation screen as shown in FIG. 6A is displayed as in the display screen of step S4 described later, and it is determined whether “Register” is selected on this screen. (Step S212). When “Register” is not selected (step S212: NO), this routine ends. On the other hand, when “Register” is selected (step S212: YES), a my number input screen as shown in FIG. 6B is displayed (step S213). When the trader inputs an unregistered My Number on this screen, a My Number registration process similar to Step S16 described later is executed by communication with the host 300 (Step S214), and finally FIG. 6C. A registration completion notification screen as shown in Fig. 6 is displayed and the process ends. This series of my number registration processing will be described later.

  On the other hand, if it is determined in step S2 that the transaction type is not selected (step S2: NO), it is determined whether or not the my number button A2 (FIG. 5) is pressed via the touch pad 14B (step S3). . If it is determined in step S3 that the my number button A2 has not been pressed (step S3: NO), the process returns to step S2 to determine whether or not a transaction type has been selected.

  When the control unit 11 determines in step S3 that the my number button A2 has been pressed (step S3: YES), for example, a registration confirmation as shown in FIG. 7A or FIG. 8A is displayed on the display 14A. An input screen is displayed (step S4). This display screen is a screen that prompts the customer (user) to select and input his / her own My Number as “Register”, “Not Register”, or “Registered”.

  When the control unit 11 determines in the next step S5 that the “Register” button has been pressed on the display screen in step S4 (step S5: YES), the control unit 11 proceeds to step S8 described later. On the other hand, if it is determined that the “register” button has not been pressed (step S5: NO), it is determined whether or not the “not registered” button has been pressed in the next step S6. If it is determined that the “not registered” button has been pressed (step S6: YES), the process returns to step S2 to determine whether or not a transaction type has been selected.

  On the other hand, if it is determined that the “not registered” button has not been pressed (step S6: NO), the control unit 11 determines whether or not the “registered” button has been pressed in the next step S7. If it is determined that the “registered” button has not been pressed (step S7: NO), the process returns to step S5 and the subsequent determinations are repeated.

  Further, as described later, when the trader (customer) My Number is registered, since the transaction is performed using the registered My Number, the registration confirmation input screen shown in FIG. In (same as FIG. 7A), the “Registered” button is selected. As a result, if it determines with having been registered (step S7: YES), the control part 11 will transfer to step S13 of FIG. 4, and will display a my number input screen as shown in FIG.8 (b). By inputting the my number here, the trader can make a transaction by using his registered my number as trader identification data without using a medium such as a trade card.

  On the other hand, if the trader (customer) My Number is not registered, the control unit 11 has pressed the “Register” button in Step S5 or the “Do Not Register” button in Step S6. If it determines with having been carried out, the request | requirement screen which prompts a trader to insert a card | curd (or biometric authentication) will be displayed on display 14A (step S8). This screen is, for example, a card insertion request screen shown in FIG. For example, when prompting the trader for biometric authentication, a text message such as “Place your finger registered in the authentication device” may be displayed on the screen of FIG.

  After executing step S8, the control unit 11 determines whether card information or biological information has been captured (step S9). This determination is made as to whether or not a transaction card has been taken into the information reading and printing machine 25 from the card insertion / discharge port 27, specifically, whether or not a sensor in the information reading and printing machine 25 has detected the presence of the transaction card, Alternatively, it can be performed by determining whether or not biometric information has been taken in from the biometric information receiving unit 28.

  If it is determined in step S9 that card information or biometric information has not been captured (step S9: NO), the controller 11 waits for a predetermined time and then executes step S9 again.

  When it is determined in step S9 that card information or biometric information has been taken in (step S9: YES), the control unit 11 acquires (specifies) account data based on the card information or biometric information (step S10). The card information includes information on the card holder, information on a card company that issues the transaction card or financial institutions such as banks.

  After executing step S10, the control unit 11 causes the display to display a personal identification number reception screen, which is a screen display that prompts the customer to input a personal identification number (step S11). This screen display is performed, for example, by displaying a numeric keypad as shown in FIG.

  After executing step S11, the control unit 11 determines whether or not a correct password has been input on the password reception screen (step S12). This determination may be made based on whether or not a password has been input by the user using the touch pad 14B. Whether the input password is correct may be determined based on information in the transaction card, or may be determined by inquiring the host computer 300.

  If the control unit 11 determines that the password has not been input or that the correct password has not been input (step S12: NO), the controller 11 waits for a predetermined time and then executes step S12 again.

  Next, as shown in FIG. 4, the control unit 11 determines that the correct password has been input in step S12 (step S12: YES), or determines that the “registered” button has been pressed in step S7. When this is done (step S7: YES), a my number input (acceptance) screen prompting the input of my number is displayed on the display 14A (step S13). This screen display is performed, for example, by displaying a numeric keypad as shown in FIG. 7D, similarly to the password receiving screen (step S11).

  After executing step S13, the control unit 11 determines whether or not a my number has been input (step S14). If it is determined that the my number has not been input (step S14: NO), after waiting for a predetermined time, step S14 is executed again. In this step, the control unit 11 functions as identification data receiving means.

  On the other hand, when it is determined that the my number has been input (step S14: YES), the control unit 11 communicates with the host 300 in the next step S15 to determine whether or not the my number has been registered. In the transaction control routine of this embodiment, there are a case where the My Number is not registered and a case where the My Number is registered ("Registered" input in Step S7). This is because the following processing differs depending on the case.

  This determination is executed by the host 300 by sending a My Number from the ATM 100 to the host 300, for example. If it is determined that registration has been completed (step S15: YES), it is determined whether or not another My Number is registered in step S17 described later. On the other hand, if it is determined that it has not been registered (not registered) (step S15: NO), my number registration processing is executed in the next step S16.

  For example, in the case of a transaction with a financial institution such as a bank, the my number registration process is performed by using the host 300 to store account data that is data such as a deposit account holder, account number, and my number as transaction identification data. It is associated (corresponding) and stored (held) in an information storage unit such as the customer information DB 400A of the CRM server. The association may be executed by the ATM 100, and the associated data may be stored in an information storage unit such as a CRM server via the host 300.

  If the My Number registration process in Step S16 is completed, or if it is determined in Step S15 that registration has been completed, it is determined in the next Step S17 whether another My Number is registered. This corresponds to the fact that each person's My Number needs to be registered when one trading account is used by a plurality of people such as family members.

  Therefore, the control unit 11 displays another registration confirmation screen as shown in FIG. When “Register” is selected on this screen (step S17: YES), the process returns to step S13 to display a my number input screen as shown in FIG. 7 (f). Wait for number entry. Thereafter, as long as there is a “My Number” to be registered, Steps S13 to S17 are repeated.

  When “not register” is selected (input) on the display screen (eg, FIG. 7E) of step S17 (step S17: NO), the control unit 11 next performs the transaction with the trader or ends. A transaction selection screen for selecting is displayed (step S18). Here, when the end is selected (step S18: NO), this control routine is ended.

  On the other hand, if a transaction is selected (step S18: YES), it is determined whether a transaction type is selected in the next step S19. If it is determined that the transaction type is not selected (step S19: NO), the process proceeds to step S18. Return and make a decision to start trading again.

  On the other hand, when the transaction type is selected in step S19 (step S19: YES), the input personal identification number and transaction contents (for example, transaction amount, transfer destination, etc.) are transmitted to the host 300 (step S20). Note that. If “registered” in step S7, the process after step S13 may be performed without inputting the code number (step S12), and the input of the code number may be requested in step S20.

  When the personal identification number and transaction details are transmitted in step S20, the host 300 makes the following determination, for example. When the registered my number is input, the host 300 inquires the CRM server 400 and compares the registered my number with the input my number and associates it with the input my number. Identify the trading account corresponding to the account data. Then, it is determined whether or not the password corresponding to the transaction account matches the password entered in step S20.

  On the other hand, also in step S20 following my number registration processing, the input of a personal identification number may be requested again. In this case, it is determined whether or not the personal identification number corresponding to the transaction account specified at the time of my number registration processing matches the personal identification number input in step S20. The host 300 notifies the ATM 100 of transaction permission when it is determined by the determination that they match.

  Thereafter, the controller 11 communicates with the host 300 to determine whether the host 300 has permitted the transaction (step S21). This determination may be made based on whether or not a transaction permission notification has arrived from the host 300.

  If it determines with the host 300 having permitted the transaction in the said step S21 (step S21: YES), the control part 11 will perform a transaction process according to transaction content (step S22). For example, when the transaction is “withdrawal”, the cash deposit / withdrawal mechanism 15 is made to take out banknotes or coins corresponding to the amount included in the transaction contents from a cash hangar (not shown), respectively, It is led out to the coin inlet / outlet 19.

  As described above, according to the present embodiment, when the trader's My Number is not registered, “My Number” is selected on the first transaction type selection screen (FIG. 5) (Step S3: YES), When the “Register” button is pressed on the registration confirmation screen (step S4) as shown in FIG. 7A, the acquisition of the account data by card information or biometric information (step S10) and the input of the correct password (step S12). ), An unregistered My Number is input (step S13).

  Accordingly, in the registration process of My Number, since the correct personal identification number is input in a state where the card information or biometric information of the trader is acquired, it is possible to register My Number while ensuring security. In step S17, another my number can be registered.

  Further, after registering the trader's My Number, for example, “Registered” is selected on the My Number Registration Confirmation Display Screen (Step S4) shown in FIG. 8A (Step S7: YES), then FIG. The registered My Number is input on the display screen as shown in b) (Step S14: YES), and after determining that it has been registered (Step S15: YES), there is no other My Number registered in Step S17, and Step S18. After the transaction starts, transaction processing is executed through transaction type selection in step S19 and transaction permission in step 21 (step S22).

  In addition, in order to further improve security, that is, the security of transactions, in addition to inputting my number, identification may be performed by requesting input of biometric information and a personal identification number without using a medium such as a card.

  In the above transaction processing, when transaction permission is obtained through communication with the host 300 after the registered My Number is entered, the control unit 11 displays a transaction account selection screen as shown in FIG. 8C, for example. When an account is selected here, a transaction selection screen as shown in FIG. For example, when “withdrawal” is selected, a password input screen as shown in FIG. 8 (e) is displayed in the same way as normal (existing) transaction processing, and the password entered here is confirmed. Thereafter, a screen for inputting the withdrawal amount is displayed as shown in FIG. Thereafter, normal transaction processing is executed.

  On the other hand, if the transaction permission is not obtained from the host 300 in step S21 (step S21: NO), the control unit 11 causes the display 14A to display that the transaction cannot be handled (step S23). This display is, for example, displayed on the screen as “Transactions cannot be made with the entered transaction content”.

  The control part 11 performs the completion | finish process of transaction after execution of step S22 or S23 (step S24), and complete | finishes a control routine after that. This termination process is, for example, a process for causing the information reading printer 25 to print a statement slip describing the contents of the transaction and discharging it, or a process for discharging the transaction card used for registering my number from the card insertion / eject port 27 It may be.

  Note that after registering the above My Number, it becomes possible to trade by inputting the My Number without using a medium such as a transaction card, and the medium such as the transaction card is not discharged in the termination process (Step S24).

  As described above, the ATM of this embodiment and the transaction system including the same register the my number with high versatility and identification as the transaction identification data, and in the case of a transaction, such as a conventional cash card or passbook Instead of the medium, the registered My Number can be used, thereby improving the convenience of not requiring the medium.

  In the present embodiment, by providing the transaction processing routine R1 described above, registration of My Number and transaction using the registered My Number are executed as follows.

(1) My Number Registration When a trader registers his / her own My Number, selecting “My Number” on the display screen shown in FIG. 5 (step S3: YES), the registration shown in FIG. When a confirmation input screen is displayed (step S4) and the trader presses the “Register” button (step S5: YES), a request for prompting card insertion (or biometric authentication) as shown in FIG. A screen is displayed (step S8).

  Here, when the trader inserts a transaction card or inputs biometric information (step S9: YES), the control unit 11 stores the card information or biometric information (step S10), and then performs FIG. A personal identification number reception screen as shown in FIG. 6 is displayed (step S11). When the input of the correct password is confirmed (step S12: YES), the control unit 11 displays a my number input screen as shown in FIG. 7D (step S13).

Here, when the My Number is input (Step S14: YES), the control unit 11 registers the My Number after confirming that the My Number is not registered (Step S15: NO) (Step S14). S16) is executed.
Further, when there is a registration request on a screen for confirming the registration of another My Number as shown in FIG. 7 (e), the registration process is performed via the My Number input screen as shown in FIG. 7 (f). . When “do not register” is input on the reconfirmation screen shown in FIG. 7E, a screen for notifying completion of registration of my number is displayed by communication with the host 300. For example, as shown in FIG. 7G, this screen informs that “a medium such as a card or a passbook is no longer necessary” from the next time.

  Moreover, in the said Example, when it selects on the first transaction classification selection screen, after completion | finish of normal transaction processing (step S211) according to the transaction classification, my number as shown to Fig.6 (a) When a registration confirmation screen is displayed and “registration” is selected on this screen (step S212: YES), my number registration processing is executed through my number input (step S214).

  In this case, since identity verification is performed using card information, biometric information, and a personal identification number in the previous stage of normal transaction processing, the registration process can be started quickly by the trader entering my number. it can.

  The trader who has registered my number in this way will be able to trade thereafter by inputting his registered my number without using a medium such as a transaction card.

(2) Transaction Using Registered My Number When a trader performs a transaction using his / her registered My Number, selecting “My Number” on the display screen shown in FIG. 5 (Step S3: YES), a registration confirmation screen as shown in FIG. 8 (a) is displayed (step S4), and when the trader presses the “registered” button (step S7: YES), the input shown in FIG. 8 (b) A screen is displayed (step S13). Here, when the registered my number is input, the control unit 11 confirms the input of the my number (step S14), and confirms the transaction permission from the registration confirmation of the my number (step S15) by communication with the host 300. After (Step 21), transaction processing is executed. When inputting the registered My Number, instead of entering it on the input screen, for example, the card insertion / ejection slot 27 or a non-contact type IC card reader / writer (not shown) is provided on the IC chip of the My Number card. There may be a case where the My Number is specified by reading the recorded information and, in some cases, decrypting the encrypted information.

In this case, since the registration has been confirmed after the input of my number (step S14: YES) in the previous stage of the transaction processing (step S15: YES), the registration processing can be started immediately after obtaining the transaction permission of the host. it can.
[Modification]
In this embodiment, when transaction permission is obtained through communication with the host 300 after the registered My Number is entered, if the transaction has multiple transaction accounts, as shown in FIG. An account is displayed, and a transaction account can be selected from the account. However, a transaction may be performed for all of the plurality of displayed transaction accounts. This can be realized, for example, by displaying a button for selecting all accounts on the screen as shown in FIG.

  In that case, when the trader selects all the displayed accounts and then selects, for example, “withdrawal” on the trade selection screen displayed as shown in FIG. Through the communication with the host 300, the following transaction type (in this case, withdrawal) confirmation processing is performed.

  In the flowchart of FIG. 9, first, the sum of the balances of a plurality of transaction accounts linked (associated) with the registered My Number of the trader or information on the transaction card is confirmed (step S101), and the sum Is sufficient (step S102). Here, “sufficient” means, for example, that the total amount that can be withdrawn from each account is equal to or greater than the amount requested by the trader.

  If the determination in step S102 is “NO”, the transaction server that manages a plurality of transaction accounts (request source accounts) is notified of “impossible withdrawal” (step S103), and the process ends. On the other hand, if “YES” in the determination in step S102, the transaction server is instructed to perform a debit transaction according to a predetermined transaction order (step S104). Then, the withdrawal transaction is executed until the amount of the withdrawal transaction reaches the required amount (step S105), and when the withdrawal is completed (step S105: YES), this processing routine is ended.

  According to the transaction confirmation process described above, a trader can quickly conduct a transaction such as a withdrawal by using the trader identification data such as his registered My Number even without a medium such as a trade card. become.

  As described above, the embodiments and the modified examples have been described, but the present invention is not limited to these.

  For example, the above embodiment has a configuration that allows registration of My Number, but registration itself may be performed by taking a registration procedure in advance at a financial institution or the like. Therefore, the automatic transaction apparatus of the present invention may not have a configuration capable of registering my number. Even in such a case, the automatic transaction apparatus or the automatic transaction system compares the My Number registered in advance with the My Number entered by the trader, and identifies the account data, determines the PIN, and determines the transaction permission. What is necessary is just to be comprised so that it may perform.

  Moreover, although ATM of an Example is provided with the existing structure (specification) which uses a transaction card, according to this invention, after registration of trader identification data like My Number, the My Number is used. Therefore, it is not necessary to provide a configuration for handling a medium such as a transaction card. An Example is comprised so that a transaction card can be used for registration of my number as trader identification data, and identity verification (account data identification). This can be realized by adding a configuration for realizing the function of My Number Trading to an existing ATM.

  In addition, although the example which uses a cash card or biometric authentication in the personal identification at the time of my number registration (identification of account data) was demonstrated, in addition to these, you may combine another identity verification. For example, it is good also as confirming that it is the transaction person of the specified transaction account by identification cards, such as a license, a passport, and an insurance card. The identity verification may be performed by, for example, presenting an identification card or inputting a number or symbol unique to the identification card. The combination of identity verification can further enhance the safety of transactions.

  Moreover, although ATM was demonstrated to the example, the said structure and transaction control routine are applicable also in apparatuses other than ATM.

  In the above embodiment, the customer information DB 400 </ b> A is described as being provided in the CRM server 400, but the customer information DB 400 </ b> A may be provided in the ATM 100. Further, the customer information DB 400A may be provided in the host computer 300.

  In the above-described embodiment, the host computer 300 has been described with respect to the example in which the transaction account is identified, the PIN number is determined, and the transaction permission is determined. However, the transaction account is identified, the PIN number is determined, and the transaction permission is determined. The determination may be performed in the ATM 100. In this case, if customer information DB400A is provided in ATM100, ATM100 does not need to receive account data from the outside.

  The various configurations and control routines in the above-described embodiments are merely examples, and can be appropriately selected and changed according to the application.

  In the above embodiment, “My Number” has been described as an example of the transaction identification data used instead of using a medium such as a transaction card. However, the trader identification data is not limited to this, and may be, for example, a corporate number stipulated in a law (number law) concerning the use of a number for identifying a specific individual in an administrative procedure. Further, the trader identification data is data other than the My Number or the corporate number, and may be a unique number, a symbol, or a combination thereof associated with each individual and corporation.

  For example, the trader identification data may be a license number, passport number, insurance card number, resident card code, social security number, or the like. The transaction identification data may be data that is established regardless of a contract with a specific financial institution or the like.

  As described above in detail, according to the automatic transaction apparatus, the automatic transaction system, and the automatic transaction program of the present invention, in the account transaction processing with a financial institution, the transaction identification data such as My Number is account data, that is, transaction. It is possible to register and use it in association with a set of account and PIN. Accordingly, transactions using customer identification data and a personal identification number can be performed without using a medium carrying customer information such as a cash card or a passbook, and convenience can be improved while ensuring the safety of transactions. .

  In addition, an automatic transaction apparatus that can perform registration that associates a plurality of accounts with trader identification data, or registration that associates a specific account with a plurality of trader identification data, and can further improve convenience. An automatic transaction system and an automatic transaction program can be provided.

100 ATM
200 Transaction System 300 Host Computer 400 CRM Server 400A Customer Information Database 11 Control Unit 11A Selection Accepting Unit 11B Information Presenting Unit 12 Storage Unit 13 Communication Unit 14 Operation Display Unit 14A Display 14B Touchpad 25 Information Reading Printer 28 Biometric Information Accepting Unit

Claims (7)

An automatic transaction apparatus for executing an account transaction process with a financial institution in response to an account transaction request of a trader,
Account data holding means for holding a pair of a trading account and a personal identification number corresponding to the trading account as account data;
Identification data holding means for associating and holding the trader identification data unique to each trader and the trading account;
Identification data receiving means for receiving the transaction identification data and the password;
By comparing the transaction identification data received by the identification data reception means and the transaction identification data held in the identification data holding means, the transaction account associated with the received transaction identification data is specified. Determining whether or not the received personal identification number matches the personal identification number corresponding to the specified transaction account, and determining whether or not to respond to the account transaction request according to the determination result When,
An automatic transaction apparatus comprising:   The automatic transaction apparatus according to claim 1, wherein the transaction availability determination unit presents the transaction account when it is determined that the account transaction request is satisfied.   A plurality of transaction accounts are associated with the trader identification data, and the transaction availability determination means determines whether or not the received code number matches a code number corresponding to one of the plurality of transaction accounts. The automatic transaction apparatus according to claim 1, wherein it is determined whether or not to respond to the account transaction request according to the determination result.   4. The automatic transaction apparatus according to claim 1, wherein each of the transaction accounts is associated with a plurality of transaction identification data. 5.   The automatic transaction apparatus according to any one of claims 1 to 4, wherein the transaction identification data is a My Number or a corporate number of the transaction. An automatic transaction system that executes an account transaction process with a financial institution in response to a transaction request of a trader,
Account data holding means for holding a pair of a trading account and a personal identification number corresponding to the trading account as account data;
Identification data holding means for associating and holding the trader identification data unique to each trader and the trading account;
Identification data receiving means for receiving the transaction identification data and the password;
By comparing the transaction identification data received by the identification data reception means and the transaction identification data held in the identification data holding means, the transaction account associated with the received transaction identification data is specified. Determining whether or not the received personal identification number matches the personal identification number corresponding to the specified transaction account, and determining whether or not to respond to the account transaction request according to the determination result When,
An automatic transaction system comprising: A program to be executed by a computer of an automatic transaction apparatus for executing an account transaction process with a financial institution in response to an account transaction request of a trader,
An account data holding step for holding a pair of a trading account and a personal identification number corresponding to the trading account as account data;
A trader identification data holding step for holding trader identification data unique to each trader and the trading account in association with each other;
An accepting step for accepting the transaction identification data and the personal identification number;
By comparing the transaction identification data received in the reception step with the transaction identification data held in the identification data holding step, the transaction account associated with the received transaction identification data is specified, and the reception Determining whether the personal identification number matches the personal identification number corresponding to the identified transaction account, and determining whether to respond to the account transaction request according to the determination result;
An automatic transaction program characterized in that

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