JP3445512B2 - Cash transaction system and cash transaction device used therefor - Google Patents

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a cash transaction system such as an automatic teller machine system (hereinafter referred to as an ATM system) or an automatic teller machine (hereinafter referred to as a CD) system, and a cash transaction apparatus used therefor. In particular, it relates to a technology effective when applied to a cash transaction system and a cash transaction device used for it, in which crime prevention measures have been taken when a legitimate user is forced to withdraw money from a malicious person. is there.

[0002]

2. Description of the Related Art In recent years, there has been a tendency to install a cash transaction apparatus of a cash transaction system in a store that is open 24 hours a day to provide a 24-hour service. This is not only a merit to customers, but it also has a merit for the shop because it can deposit the sales proceeds of the shop through this terminal into the bank's own account or transfer it to another account without going to the bank . However, if a terminal is installed in a store that will be open 24 hours in the future, a method for preventing crime from a malicious person aiming for cash in the terminal is essential. In particular, when depositing the sales proceeds of a store into this terminal, it becomes necessary for the store to hold a cash card or the like. For this reason, it is expected that the number of crimes of using the cash card of this store and withdrawing cash from the terminal will increase. The following two points are important in the crime prevention method when a cash transaction device of a cash transaction system is installed in a store. I want to reduce the amount of damage. I want to protect the safety of the clerk. The ATM system will be described below as an example of a conventional cash transaction system. In the conventional ATM system, as a crime prevention measure for achieving the above-mentioned two points, for example, Japanese Patent Laid-Open No. 10-63742 is used.
There is one disclosed in the publication. To do this, set two types of PIN numbers in one cash card,
Normally, you trade with your first PIN, and if a malicious person compels you to withdraw, enter your second PIN.
It is described that when the input of the second personal identification number is detected, an accident countermeasure system is activated.

[0003]

However, the above method has the following problems. (1) Since it is extremely rare for a user to be forced to withdraw money from a person who has malicious intent, even if a second PIN is set, it should be remembered for many years. Is difficult. Therefore, if a malicious person compels you to teach the personal identification number, you may be forced to give the first personal identification number. (2) Even if the first and second personal identification numbers are set for each store, it is easy to forget the second personal identification number that is rarely used, and when the store manager changes, the transfer may not be performed sufficiently. is there.
In addition, in a store that employs a part-time employee who changes frequently, it is difficult to thoroughly provide the two types of personal identification numbers to the clerk. Therefore, if only the first personal identification number is remembered, the amount of damage is large, and if the first personal identification number is not known, the clerk may be injured. Here, there is a method of setting the second secret code to a number that is hard to forget (for example, 1234), but it is highly likely that you will forget it if you do not have a chance to use it, and in the situation where you can harm your body, It is likely that you will not be able to remember your number. (3) It is administratively problematic to inform all store employees of the first personal identification number of the card used by the store manager during withdrawal. The present invention has been made to solve the above problems, and its purpose is to enhance crime prevention and to inflict damage and physical damage when a malicious person demands withdrawal. An object of the present invention is to provide an ATM system capable of suppressing such problems as much as possible.

[0004]

Among the inventions disclosed in the present application, a brief description will be given to the outline of typical ones.
It is as follows. Cards used for depositing or withdrawing cash include cash cards for banks and post offices, as well as credit cards and consumer finance cards. In the present invention, since all these cards are targeted,
Below, it is simply referred to as a card.

A card used for depositing or withdrawing cash, a cash transaction device for depositing or withdrawing cash,
In a cash transaction system composed of the cash transaction device and a center connected via a network line, information as to whether the card is a normal card or an emergency card is stored in the card or the center. Let
The cash transaction apparatus, an input / output unit for displaying a screen to a user and an input from the user, a card reading unit for reading the card, and a content of the card read by the card reading unit via the network line. A communication means for communicating with the center, a depositing / dispensing means for depositing or withdrawing money after communication by the communication means, and a control means for controlling each of these means to perform transaction processing with the center. Installs communication means for communicating with the cash transaction device or making an emergency call, a card use condition table showing use conditions of the card, a card use history table showing use history of the card, and each cash transaction device. A database that stores a branch information table showing branch information and controls them to perform transaction processing with the cash transaction device. And a control unit.

[0006] Further, in a cash transaction apparatus for depositing or withdrawing cash by a card connected to a center of a financial institution via a network line and used for depositing or withdrawing cash, the card is normally used. A card, or an emergency card, information stored in the card or the center, input / output means for receiving a screen display to the user and input from the user, and card reading means for reading the card A communication means for communicating the contents of the card read by the card reading means to the center via the network line; a depositing / withdrawing means for depositing or withdrawing money after communication by the communication means; and controlling each of these means. , And control means for performing transaction processing with the center.

[0007]

BEST MODE FOR CARRYING OUT THE INVENTION In this embodiment, an ATM system of a bank or a post office will be taken as an example of a cash transaction system and will be described in detail with reference to the drawings. FIG. 1 is a diagram showing a configuration of an ATM system according to an embodiment of the present invention. As shown in FIG. 1, the ATM system 1 of the present embodiment includes a card 10 (a normal card 10a, an emergency card 10b) required for cash deposit / withdrawal, and an ATM terminal for cash deposit / withdrawal. 20 and a center 30 connected to the ATM terminal 20 via a line 60,
When the emergency card 10b is input to the ATM terminal 20, it is connected to the security company 50 that reports via the center 30. The notification from the center 30 may be sent to not only the security company but also the police. The ATM terminal 20 described above includes an input / output unit 21 that receives a screen display to the user and an input from the user, a card reading unit 22 that reads the user's card 10, and a center 30 via a line 60.
A communication unit 23 for communicating with and a deposit / withdrawal unit 24 for depositing / withdrawing
And a control unit 25 that controls each of these units and processes transactions with the center 30. The center 30 has a communication unit 31 that communicates with the ATM terminal 20 or the security company 50,
A control unit 32 that controls the communication unit 31 and performs transaction processing with the ATM terminal 20, a card user table 41, a card use condition table 42, a card use history table 43,
And database 40 that stores branch information table 44
Composed of and.

Next, the card 1 of this embodiment will be described with reference to FIG.
The structure of the card data stored in 0 will be described.
As shown in FIG. 2, the card data of the card 10 of this embodiment has at least a financial institution code 11 for identifying a financial institution, a card ID 12 for identifying a user's card, and a user's usage mode 13. .

Next, the tables 41 to 44 stored in the database 40 will be described with reference to FIGS. The card user table 41, as shown in FIG.
A card ID 411, a card user name 412, and a usage mode 413 for identifying which user the card belongs to. In the example shown in FIG. 3, the card with the card ID “000001” is the card for the store manager of store A, and the card with the card ID “000002” is the emergency card for the Asahi store. On the other hand, a general customer who has a bank account uses this ATM to deposit and withdraw money from his / her own account, and a general customer who receives cash from a consumer finance company also uses this ATM.
"000003" indicates that the card is for such a general customer.

As shown in FIG. 4, the card use condition table 42 shows a card ID 421, a personal identification number 422, a card use upper limit amount 423, and how many minutes after the withdrawal, the withdrawal cannot be made. It is composed of a money available time interval 424 and a balance 425. In the example shown in FIG. 4, the card with the card ID “000001” is a card exclusively used by the store manager of store A, for example, a card that should be strictly managed at the back of the store. It is used for change when there are few 1,000-yen bills in the store, and when the manager withdraws money when making a cash transaction with the wholesaler of the supplier. here,
The balance is 850Kyen, the maximum withdrawal amount for one transaction is 50Kyen, and it means that you cannot withdraw money for 5 minutes after withdrawal. The card with the card ID "000002" is an emergency card in the Asahi store, and should be stored in a place where even a part-time clerk can easily use it in an emergency. The balance is 30 when using this card
K ¥ means that you can withdraw money in one transaction is 10K ¥, and you cannot withdraw money for 10 minutes after withdrawal. In this way, even if a malicious person compels you to withdraw money, you can only withdraw 10K ¥ at a time, and
Since you cannot withdraw money for a minute, you can minimize the damage. The card with the card ID “000003” is a card for ordinary customers, and the balance is 450K ¥, and the maximum withdrawal amount for one transaction is 200K ¥, indicating that it is possible to withdraw money continuously without waiting after withdrawal. In this way, the emergency can be provided and the upper limit amount and the time interval for withdrawal can be set, so that the damage can be minimized.

The card use history table 43 is a table showing at least the date and time when each card was last withdrawn and the amount thereof, and as shown in FIG. 5, a card ID 431, a final withdrawal date and time 432, and a withdrawal amount 433. Composed of.
In the example shown in FIG. 5, the card ID is "000001".
The final withdrawal date and time of this card is "August 20, 2010 16:
35 ”, indicating that the amount of withdrawal at that time is 9K ¥. Based on this card usage history table 43,
Check if a predetermined time has passed since the last withdrawal.

As shown in FIG. 6, the branch information table 44 has a branch code 441, a branch name 442, and a branch address 44.
3 and contact information 444. In the example shown in FIG. 6, the branch with the branch code “001998” is the A store located in “Yokohama, Kanagawa ...” and the contact number is 045-XX.
× − ○○○○ ”. If the card used is for emergency use, the branch information table 44 is used to contact the security company 50 or the police.

Next, transaction processing of the control unit 25 of the ATM terminal 20 and the control unit 32 of the center 30 of this embodiment will be described. First of all, the center 3 determines the usage mode.
The case of performing on the 0 side will be described. In this case, the card 10 does not have to have the information of the usage mode 13 shown in FIG. FIG. 7 is a flowchart showing a transaction process of the control unit 25 of the ATM terminal 20 and the control unit 32 of the center 30 when the usage mode is determined by the center 30.

First, the control unit 25 of the ATM terminal 20 waits for a card input from the user (step 701). When the card input is received, the card reading unit 22 reads the card data, and the card can be handled. It is checked (step 702). If the card cannot be handled, a message indicating that the card cannot be handled is displayed, the card is returned, and the process ends.

When the card can be handled, the input / output unit 21
By the user, the withdrawal service is selected by the user (step 703) and the personal identification number is input (step 70).
4). When the personal identification number is input, the branch code is added to the card data (financial institution code 11, card ID 12) and personal identification number by the communication unit 23, and the line 6 is sent to the center 30.
It is transmitted via 0 (step 705).

The control unit 32 of the center 30 obtains the usage mode from the transmitted card data (step 70).
6) If it is normal (use mode: 1, 2, 3), it is judged whether or not the correct personal identification number has been input a predetermined number of times or less (step 707), and the correct personal identification number is mistaken for a predetermined number of consecutive times. If not input, a card return process is requested to the control unit 25 of the ATM terminal 20 and the process is terminated (step 708).

When the correct personal identification number is entered, the time obtained by subtracting the date and time of the last withdrawal from the current date and time is obtained based on the card utilization history table 43 of the database 40 (step 709), and this is the card utilization condition table. Four
It is judged whether or not the withdrawal time interval 424 of No. 2 is exceeded (step 710), and if not, the time until the withdrawal time interval 424 is calculated, and the guidance screen saying "I can't withdraw more minutes" is displayed. Display (step 711) and end.

If it exceeds the limit, the withdrawal amount is input by the input / output unit 21 (step 712) and it is determined whether or not it exceeds the upper limit amount 423 of the card usage condition table 42 (step 713). If so, return to step 712 and display a message such as "I can only withdraw up to XX yen" to prompt re-entry. If it does not exceed, check that the balance 425> withdrawal, and check the ATM terminal 20 The control unit 25 is requested to withdraw money, and the deposit / withdrawal unit 24 dispenses money, and the control unit 32 of the center deducts the balance 425 (step 71).
4) and end. If the amount to be withdrawn exceeds the balance, it is displayed that the amount (withdrawal amount) can be withdrawn, and the process returns to step 712.

Then, in step 706, if it is emergency (use mode: 4), the branch address and the like are extracted based on the transmitted branch code and branch information table 44, and the communication unit 3
The security company 50 registered in step 1 is notified automatically or manually, and the process proceeds to step 707 (step 715).

Next, the ATM terminal 20 determines the usage mode.
The case of performing will be described. FIG. 8 is a flowchart showing transaction processing of the control unit 25 of the ATM terminal 20 and the control unit 32 of the center 30 when the usage mode is determined by the ATM terminal 20. First, the control unit 2 of the ATM terminal 20
5 waits for the card input from the user (step 80
1) When receiving a card input, the card reading unit 22 reads the card data and checks whether the card can be handled (step 802). If the card cannot be handled, a message indicating that the card cannot be handled is displayed, the card is returned, and the process ends.

If the card can be handled, then the control unit 25 acquires the usage mode from the read card data (step 803). If the acquisition result is normal (usage mode: 1, 2, 3), the input / output unit 21 receives a withdrawal service selection from the user (step 804) and receives a personal identification number (step 805). When the personal identification number is input, a branch code is added to the card ID 12 and the personal identification number by the communication unit 23 and the line 6 is sent to the center 30.
It transmits via 0 (step 806).

The control unit 32 of the center 30 determines whether or not the correct personal identification number has been input a predetermined number of times or less (step 807), and when the correct personal identification number is not input by mistake for the predetermined number of consecutive times, the ATM terminal 20 Control unit 25
The card return processing is requested to end the processing (step 808).

When the correct personal identification number is entered, the time obtained by subtracting the date and time of the last withdrawal from the current date and time is obtained based on the card utilization history table 43 of the database 40 (step 809), which is the card utilization condition table. Four
It is judged whether or not the withdrawal time interval 424 of No. 2 is exceeded (step 810), and if not, the time until the withdrawal time interval 424 is obtained and the guidance screen saying "I can't withdraw more ○ minutes" is displayed. Display (step 811) and end.

If it exceeds the limit, the input / output unit 21 receives the input of the withdrawal amount (step 812), and it is determined whether or not it exceeds the upper limit amount 423 of the card usage condition table 42 (step 813). If so, return to step 812 and display a message such as "You can only withdraw up to XX yen" and urge you to re-enter. If it is not over, confirm that the balance 425> withdrawal, and confirm that the ATM terminal 20 The withdrawal section 24 requests the withdrawal to the control section 25, and the control section 32 of the center deducts the balance 425 (step 81).
4) and end. If the amount to be withdrawn exceeds the balance, it is displayed that how much (balance amount) can be withdrawn, and the process returns to step 812.

Then, in step 803, if the acquisition result is emergency (use mode: 4), the card ID 11 and the branch code are transmitted to the center 30 (step 815).
The control unit 32 of the center 30 extracts a branch address and the like based on the branch information table 44, and automatically or manually notifies the security company 50 registered by the communication unit 31 (step 816). In this case, the card user table 41 does not need to have the information of the usage mode 413. Thereafter, the withdrawal service is selected from the user by the input / output unit 21 (step 817) and the password is input (step 818). Then, the process proceeds to step 807.

In the above-mentioned steps 707 and 807, in case of emergency, it may not be possible to remember the personal identification number set in this card, so in these steps, the following three methods may be adopted. No matter which number you enter in the PIN code, proceed to the next step. If there is no input within a certain period of time, proceed to the next step. Without displaying the personal identification number input screen, step 707 is skipped to step 709, or step 807 is skipped to step 809.

In the present embodiment, the amount of damage is minimized by setting the time interval until withdrawal, but the present invention is not limited to this, and for example,
In an emergency, the processing of each step of the transaction may be delayed as compared with the normal time.

As described above, in addition to the normally used card, another card is prepared for an emergency, and when the card is input, the ATM terminal or the card input by the center side is normally used. Resident card or emergency card, and if it is an emergency card, immediately notify the police, security company, etc. automatically to strengthen crime prevention and withdraw money from a malicious person When requested, it is possible to minimize the damage to the body.

Furthermore, in order to minimize the damage, the withdrawal limit amount and withdrawable time interval are set in advance for each card so that the withdrawal amount cannot be repeated many times. Can be suppressed as much as possible.

For example, the ATM of the present invention can be found in a store such as a convenience store.
When installing a terminal, store managers and store staff use different cards for emergency and emergency cards as separate media, store the former card strictly, and the latter card for everyone, including part-time staff. Keep it in a place where you can take it out. Then, when the clerk is requested by the malicious person to withdraw money, the latter card which can be taken out immediately is used. If you use this card, the center will immediately notify the security company or the police so that the clerk can withdraw even if you forget the PIN of this card in order to strengthen crime prevention and protect the personal safety of the clerk. To do.

Also, the predetermined amount of time for suppressing the withdrawal after the upper limit amount and once withdrawal can be set for each card, and the withdrawal amount of the emergency card can be set small and the predetermined period for suppressing the withdrawal can be set long. Then, it is possible to control the damage amount.

Further, even a part-time clerk can easily operate and withdraw cash, so there is little risk of physical injury. When this card is input to the ATM terminal, the center will automatically or manually contact the police or security company so that the siren of the patrol car can be heard by a malicious person while withdrawing money. It can be expected that they will escape while the damage is small. Further, by displaying a screen display indicating that the withdrawal is impossible, it has an effect of giving up that the withdrawal is impossible immediately.

Although the present embodiment has been described based on the ATM system, the present invention is not limited to this, and is applicable to, for example, a CD system using a credit card or a consumer credit card, and the same. The effect is obtained.

As described above, the inventions made by the present inventor are
Although specifically described based on the above embodiment, the present invention is
It is needless to say that the present invention is not limited to the above embodiment, and various changes can be made without departing from the scope of the invention.

[0035]

The effects obtained by the typical ones of the inventions disclosed in the present application will be briefly described as follows. The crime prevention can be strengthened, and it becomes possible to suppress the harm to the body as much as possible when a malicious person requests the withdrawal. In addition, in order to minimize the damage, the withdrawal limit and withdrawal time interval are set in advance for each card so that the withdrawal cannot be repeated many times in a short time, so that the amount of damage can be minimized. It will be possible.

[Brief description of drawings]

FIG. 1 is a diagram showing a configuration of an ATM system according to an embodiment of the present invention.

FIG. 2 is a diagram for explaining a configuration of card data stored in a card.

FIG. 3 is a diagram showing a configuration example of a card user table.

FIG. 4 is a diagram showing a configuration example of a card usage condition table.

FIG. 5 is a diagram showing a configuration example of a card usage history table.

FIG. 6 is a diagram showing a configuration example of a branch information table.

FIG. 7 is an ATM in the case of determining the usage mode at the center
It is a flowchart which shows the transaction processing of the control part of a terminal, and the control part of a center.

FIG. 8A when the usage mode is determined by an ATM terminal
It is a flow chart which shows transaction processing of a control part of a TM terminal, and a control part of a center.

[Explanation of symbols]

1 ... ATM system, 10 ... Card 10, 20 ... ATM
Terminal, 21 ... I / O unit, 22 ... Card reading unit, 23
... communication unit, 24 ... depositing / withdrawing unit, 25 ... control unit, 30 ... center, 31 ... communication unit, 32 ... control unit, 40 ... database, 41 ... card user table, 42 ... card usage condition table, 43 ... card Usage history table, 44 ... Branch information table, 50 ... Security company, 60 ... Line.

─────────────────────────────────────────────────── ─── Continuation of the front page (58) Fields surveyed (Int.Cl. ⁷ , DB name) G07D 9/00 G06F 17/60

Claims (6)

(57) [Claims] 1. A cash transaction system comprising a cash transaction device for depositing and withdrawing cash, and a center connected to the cash transaction device via a network line, wherein the cash transaction device is a user. Input / output means for receiving a screen display on the screen and input from the user, and a card for reading the contents of the card including information indicating whether the card input to the cash transaction device is a normal card or an emergency card Reading means, communication means for communicating the contents of the card read by the card reading means to the center via the network line, depositing and withdrawing means for depositing or withdrawing money according to an input from a user, and A control unit that controls each unit and performs a transaction process with the center, wherein the center has a communication unit that communicates with the cash transaction device; A database storing card use condition table showing the use condition of the over-de, control them, and control means for performing transaction processing and the cash transaction apparatus, before
The card entered in the cash transaction device is an emergency card.
If you have a
A cash transaction system characterized by carrying out . 2. If the card input to the cash transaction device is an emergency card, the control means of the cash transaction device or the center determines which number is input to the personal identification number.
Also goes to the next step, and there is no input at a certain predetermined time.
The cash transaction system according to claim 1, wherein control is performed so that the personal identification number is not checked by proceeding to the next step when the cash transaction system does not exist. 3. The control means of the center, when the card input to the cash transaction device is an emergency card, calculates the time obtained by subtracting the date and time of the last withdrawal from the current date and time.
Judge if it exceeds the available withdrawal time interval, and exceed
The cash transaction system according to claim 1 , wherein the transaction processing by the card is controlled to be delayed from a normal processing time by displaying that the withdrawal is not possible unless the cash transaction is performed. 4. A cash transaction device that deposits or withdraws cash by a card connected to the center via a network line and used for depositing or withdrawing cash, and displays and uses the screen to the user. An input / output means for receiving an input from a person, a card reading means for reading the contents in the card including information on whether the card input to the cash transaction apparatus is a normal card or an emergency card, and the card Communication means for communicating the contents of the card read by the reading means to the center via the network line, depositing / withdrawing means for depositing / withdrawing according to an input from a user, and controlling each of these means, The input card is provided with a control means for performing transaction processing with the center.
If it's an emergency card, lower than any other card
A cash transaction device characterized by performing transaction processing at a limited amount . 5. If the input card is an emergency card, the control means inputs which number as a personal identification number.
Even if it is done, proceed to the next step or enter at a certain predetermined time.
The cash transaction apparatus according to claim 4, wherein control is performed so that the personal identification number is not checked by proceeding to the next step when there is no strength . 6. The control means, if the input card is an emergency card, the last withdrawal from the current date and time.
The time limit for withdrawal is exceeded to obtain the time subtracted
If you do not exceed it, you can not withdraw
The cash transaction apparatus according to claim 4 , wherein the transaction processing by the card is controlled to be delayed from the normal processing time by displaying .