JP5055935B2 - Automatic transaction system and automatic transaction device - Google Patents

Description

  The present invention relates to an automatic transaction system and an automatic transaction apparatus that register a cash card or credit card function handled by a financial institution in a mobile terminal such as a mobile phone owned by a customer.

  In the past, financial institutions such as banks and credit card companies have made it possible for cash cards and contractors to make cash payments at retail stores, which enables transactions such as cash payments with automated transaction machines such as automatic teller machines by customer operations. We issue credit cards that can be used instead. A magnetic stripe is provided on the surface of these cards, and information for specifying a customer or the like is recorded on the magnetic stripe. In recent years, in addition to magnetic stripes, in order to prevent unauthorized use due to theft or counterfeiting, so-called IC cards in which an IC (Integrated Circuit) chip is mounted on the card have been introduced.

These cards are issued when a customer applies for the use of the card at the time of opening an account or the like, and the delivery of the card from the financial institution to the customer is performed by mailing to the customer's address. Therefore, there is a problem that the customer needs labor for performing the application procedure, and the financial institution takes time and trouble to process the account opening.
In view of these problems, in order to reduce the time and labor required for the customer's labor and financial institution's account opening process, the conventional automatic transaction system seems to accept input of application information for opening a new account from the user terminal. (For example, refer to Patent Document 1).

  In addition, financial institutions that issue cash cards and credit cards are required to bear the costs of the cards themselves and the costs of mailing the cards to the customer's address. The problem is that the amount of money borne by financial institutions is increasing under the circumstances, and it takes about a week for customers to receive cards issued by mail, which is not convenient for customers. There is a problem.

In view of such problems, credit card information, which is personal information of a contractor related to a credit card downloaded from a server installed in a financial institution via the Internet, is stored in the storage unit of the mobile phone, and the mobile phone stores the credit card information. The personal information memorize | stored in the part is transmitted to a payment terminal by radio | wireless communication, and there exist some which enabled credit payment (for example, refer patent document 2).
Japanese Patent Laying-Open No. 2003-122922 (paragraph “0051” to paragraph “0073”, FIG. 3) JP 2002-279320 A (paragraph “0024” to paragraph “0025”, FIG. 1)

  However, in the above-described conventional technology, the card information which is the customer's personal information and the application program for handling the card information are downloaded from the server installed in the financial institution via the Internet, and the storage unit of the mobile phone However, there is a problem that the communication cost required for the download must be borne by the customer and is not necessarily convenient for the customer.

  An object of the present invention is to solve such a problem.

  Therefore, the present invention includes a short-range wireless communication unit that transmits and receives card information, a storage unit that stores card information received by the short-range wireless communication unit, and an input unit that accepts an operation for applying for a new mobile card issue. , Receiving the notification from the mobile terminal, transmitting the generated customer identification information to the mobile terminal for display and storing it in the database The host computer accepts the input of the customer identification information by a customer operation, transmits the customer identification information to the host computer, and the host computer receives the received customer identification information and the customer identification information read from the database If it matches and confirms that it matches, the card information received from the host computer is transmitted to the portable terminal. That an automatic transaction apparatus provided, in a storage unit of the portable terminal, characterized in that to perform the mobile card newly issued transaction for storing card information received from the automatic transaction apparatus.

  According to the present invention as described above, card information and application software can be downloaded from an automatic transaction apparatus or a distribution server to a mobile terminal possessed by a customer, and an effect of improving convenience is obtained.

  Embodiments of an automatic transaction system and an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

First, the first embodiment will be described.
FIG. 1 is a block diagram showing the configuration of the automatic transaction system in the first embodiment.
In FIG. 1, reference numeral 1 denotes a portable terminal, which is a terminal device that a user can carry (carry). The mobile terminal 1 is a mobile phone, PHS (registered trademark), PDA (Personal Digital Assistant), portable personal computer, etc., and can communicate wirelessly with other devices via the communication line 2 and the base station 3. It is a thing.

Further, the mobile terminal 1 includes a short-range wireless communication unit including a non-contact type IC chip (for example, an IC chip such as FeliCa (registered trademark) or Mifare (registered trademark)), and a short-range wireless of an automatic transaction apparatus to be described later. Near-field wireless communication is possible with the automatic transaction apparatus by approaching the communication unit.
Note that the short-range wireless communication unit described above may be a wireless communication unit using infrared rays or the like.

  Further, the portable terminal 1 uses card information for identifying a customer recorded on a cash card or a credit card issued by a financial institution or the card information in a storage unit such as a memory provided in the non-contact type IC chip. By storing application software for functioning as a cash card or credit card and transmitting the card information to another device, the same function as the cash card or credit card can be realized. This function realized by the mobile terminal 1 is referred to as a “mobile card”.

Reference numeral 4 denotes a customer terminal, which is a personal terminal including the above-described portable terminal 1 for receiving a customer's operation and applying for a new issuance of a portable card or a request for switching a cash card or credit card currently held by the customer to a portable card. An information processing apparatus such as a computer.
The customer terminal 4 includes a CPU (Central Processing Unit), a control unit such as an MPU (Micro Processing Unit) and a control unit, a storage unit such as a magnetic disk and a semiconductor memory, an input unit such as a keyboard, a liquid crystal A display unit, such as a display, and a communication unit, which is a communication unit, are provided, and are connected via a communication line 2 so as to be communicable with an application receiving server, which will be described later.

  Reference numeral 5 denotes an application reception server, which receives applications for new issuance of mobile cards and switching to mobile cards from the customer terminal 4. The application reception server 5 is installed in a center such as an office center of a financial institution, and includes calculation and control means such as a CPU and MPU, storage means such as a magnetic disk and semiconductor memory, communication means, and the like. A notification requesting new issuance of a mobile card or switching to a mobile card is received from the customer terminal 4 and the process is performed.

  A distribution server 6 receives a request from the mobile terminal 1 and downloads the above-described application software to the mobile terminal 1. The distribution server 6 is installed in a center such as a business center of a financial institution, and includes calculation and control means such as a CPU and MPU, storage means such as a magnetic disk and semiconductor memory, and communication means. A notification requesting download of application software from the mobile terminal 1 is received, and processing for downloading the application software stored in the storage means to the mobile terminal 1 is performed.

  7 is an automatic transaction apparatus, which is installed in a store of a financial institution such as a bank or a store such as a convenience store. This automatic transaction apparatus 7 is communicably connected to a communication line 2 such as a dedicated line, and a magnetic stripe or IC in which account information such as a branch number, account item, and account number of an account opened by a customer at a financial institution is recorded. It accepts the insertion of cards with chips and conducts transactions such as cash withdrawals and deposit transactions.

  Further, the automatic transaction apparatus 7 includes a non-contact type IC chip reader / writer unit that performs wireless communication with a non-contact type IC chip built in the mobile terminal 1. A mobile card new issuance transaction in which the card information and application software described above are stored and a mobile card is newly issued, and a mobile card switching transaction in which a cash card or a credit card that has already been issued to a customer is switched to a mobile card are performed.

  A host computer 8 is a host device of the automatic transaction apparatus 7 installed in a center such as a business center of a financial institution such as a bank. The host computer 8 includes a control unit that is a calculation and control unit such as a CPU and an MPU, a storage unit that is a storage unit such as a magnetic disk and a semiconductor memory, a communication unit that is a communication unit, and the like. Via the application reception server 5, the distribution server 6, and the automatic transaction apparatus 7 are connected so as to be able to communicate with each other.

In addition, the host computer 8 determines whether or not to establish a customer transaction by sending and receiving transaction messages such as cash withdrawal, cash deposit, mobile card new issue transaction, and mobile card switching transaction with the automatic transaction apparatus 7. And process the transaction.
In this embodiment, the application receiving server 5 and the distribution server 6 are configured to be independent. However, the application receiving server 5 and the distribution server 6 are configured as a single server. Also good.

Further, the functions of the application reception server 5 and the distribution server 6 may be performed by the host computer 8.
9 is an account database, which is provided in the host computer 8 and stores account information such as a personal identification number, an address, and an account balance in association with account information such as the account number of an already opened customer; It is a database composed of temporary account information that stores customer information such as a temporary password in association with account information such as a temporary receipt number and a temporary account number.

  The host computer 8 that has received the application message for new issuance of the mobile card from the customer terminal 4 generates a reception number, a temporary account number, and a temporary password, and stores the received number, temporary account number, and temporary password in the account database. The temporary account information is stored in 9. In addition, when a message indicating that the transaction is completed is received from the automatic transaction apparatus 7 that has received the operation of the customer and has performed a new mobile card issue transaction, the account information is stored instead of the temporary account information.

  A temporary account is a temporary account that cannot be used to deposit or withdraw cash until it is transferred to the main account where the temporary receipt number, temporary account number, temporary PIN number, etc. are issued. On the other hand, the main account is a normal account which is given a formal account number and can deposit and withdraw cash. The account database 9 stores information for identifying a temporary account or a main account for each account.

The account information of this account information stored in this account database 9 is the same as the account information recorded on the card possessed by the customer, and the host that received the account information read from this card from the automatic transaction apparatus 7 The computer 8 can search the account database 9 based on the account information and extract customer information such as a password, address, and account balance.
The automatic transaction apparatus 7 transmits the customer account information read from the inserted card and the password entered by the customer's operation to the host computer 8, and the host computer 8 is based on the received password and the received account information. The personal identification is performed by collating the personal identification number extracted from the account database 9.

Next, the configuration of the mobile terminal 1 will be described based on the block diagram showing the configuration of the mobile terminal in the first embodiment of FIG.
In FIG. 2, reference numeral 11 denotes a display unit, which is composed of a liquid crystal display or the like. The display unit 11 displays various information, the operating state of the mobile terminal 1 and the like with characters, symbols, and the like.
Reference numeral 12 denotes an input unit that detects pressing of input means of various operation keys such as a numeric keypad and a confirmation key.

A wireless communication unit 13 performs wireless communication with the base station 3. The wireless communication unit 13 can exchange various information such as voice information, text information, and image information with a server or the like of a telecommunication carrier (not shown) via the communication line 2.
14 is a short-range wireless communication unit that incorporates the above-described non-contact type IC chip, performs wireless communication with the short-range wireless communication unit provided in the automatic transaction apparatus 7, and exchanges various information. It is.

In the present embodiment, the short-range wireless communication with the automatic transaction apparatus 7 is described. However, the present invention is not limited to this, and any information can be exchanged with the automatic transaction apparatus 7. For example, wired communication may be performed.
Reference numeral 15 denotes a storage unit which is composed of a storage element such as a semiconductor memory, and can store information and read out the stored information. Various information received by the short-range wireless communication unit 14 can be stored in the storage unit 15, and a control program (software) for controlling the operation of the entire mobile terminal 1 can be stored.

The storage unit 15 includes a storage unit provided in a non-contact type IC chip.
Reference numeral 16 denotes a control unit, which is composed of arithmetic and control means such as a CPU and MPU. The control unit 16 includes a display unit 11, an input unit 12, a wireless communication unit 13, a short-range wireless communication unit 14, a storage unit 15 and the like. Control based on software).

Next, the configuration of the automatic transaction apparatus 7 will be described based on the block diagram showing the configuration of the automatic transaction apparatus in the first embodiment of FIG.
In FIG. 3, reference numeral 21 denotes a customer operation display unit, which is composed of an operation unit such as a touch panel and a display unit such as a liquid crystal display. The customer operation display unit 21 has a touch panel arranged on a display unit such as a CRT display or a liquid crystal display so that the customer can perform an input operation or the like. A screen for guiding operations and the like, input information, and the like are displayed.

  A card reader / writer unit 22 has a card read / write mechanism. The card reader / writer unit 22 reads customer information such as an account number from a magnetic stripe or IC chip of a cash card inserted by a customer into a card insertion slot. The cash card from which the account number or the like has been read can be discharged from the card discharge port and returned to the customer, or can be taken into a card collection box in the card reader / writer unit 22.

The card reader / writer unit 22 includes a statement slip printing mechanism and a statement slip transport mechanism, and has a function of discharging a statement slip printed on the contents of a transaction performed by the customer from the statement slip outlet and issuing it to the customer. ing.
Reference numeral 23 denotes a deposit / withdrawal unit, which is composed of a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine. The deposit / withdrawal unit 23 performs deposit / withdrawal processing of banknotes and coins associated with cash withdrawal transactions and cash deposit transactions. Here, the deposit processing means that the banknotes entered by the customer in the banknote deposit / withdrawal slot are counted in the banknote deposit / withdrawal machine and stored in the safe, and the coins entered in the coin deposit / withdrawal slot are counted by the coin deposit / withdrawal machine and stored in the safe. It is to store. Withdrawal processing, banknotes and coins corresponding to the amount specified by the customer's operation are fed out from the banknote depositing and dispensing machine and coin depositing and dispensing machine safes, respectively, and transported to the banknote depositing and dispensing slot and coin depositing and dispensing slot. To pay to customers.

  Reference numeral 24 denotes a non-contact type IC chip reader / writer unit (short-range wireless communication unit) that controls short-range wireless communication with the IC chip built in the portable terminal 1 and transmits information to and from the IC chip. Can be exchanged. This non-contact type IC chip reader / writer unit 24 is arranged on the front surface of the automatic transaction apparatus 7 that accepts a customer's operation. When the approach of the IC chip of the portable terminal 1 due to the customer's operation is detected, the non-contact type IC chip reader / writer unit 24 is close to the IC chip. Wireless communication 4 is performed.

Reference numeral 25 denotes a storage unit which is composed of a semiconductor memory, a magnetic disk or the like, stores information, and can read the stored information. The storage unit 25 stores a control program (software) for controlling the overall operation of the automatic transaction apparatus 7, screen data displayed on the customer operation display unit 21, information necessary for transactions performed by the customer, and the like.
Reference numeral 26 denotes a control unit, which is composed of arithmetic and control means such as a CPU and MPU. The control unit 26 is connected to the customer operation display unit 21, the card reader / writer unit 22, the deposit / withdrawal unit 23, the non-contact type IC chip reader / writer unit 24, the storage unit 25, and the host computer 8 through the communication line 2. The operation of the entire automatic transaction apparatus 7 including a communication unit (not shown) that performs communication is controlled based on a control program (software) stored in the storage unit 25.

The operation of the above configuration will be described.

The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).
First, the mobile card new issue process will be described.
FIG. 4 is a flowchart showing the mobile card new issuance process in the first embodiment, which will be described in accordance with steps represented by S in the figure.

The customer operates the customer terminal 4 to perform a procedure for applying for a new issuance of a mobile card, and the process will be described in S1a to S4a.
S1a: The customer terminal 4 accepts input of information necessary for opening a new account such as the customer's name, address, date of birth, and e-mail address by the operation of the customer, and transmits the entered information to the application reception server 5 To do.

For example, the application reception server 5 has a function as a WEB server, and the customer terminal 4 receives input of information necessary for opening a new account by using software such as a WEB browser, and the input information is received from the application reception server. It shall be transmitted to 5.
S2a: The application reception server 5 confirms that there is no deficiency in the information necessary for opening the received new account, and determines whether it is possible to open a new account based on the information. As a result, when it is determined that it is possible to open a new account, the application reception server 5 requests the host computer 8 to open a temporary account to be used temporarily together with information necessary for opening the new account. Send (notify) a message.

S3a: The host computer 8 that has received the message requesting the opening of a temporary account generates a temporary account number, a reception number, and a temporary PIN that are temporarily used, and associates the temporary account number (account information) with the reception number. Then, the temporary password is stored in the account database 9 and information necessary for opening a new account (customer information) is opened.
The host computer 8 that opened the temporary account transmits a message to the customer terminal 4 indicating that the application for card issuance has been received together with the generated reception number and temporary password.

The temporary password may not be generated by the host computer 8, but the password entered by the customer in S1a may be used as the temporary password. Further, in the case of a customer who has an account at a financial institution, an existing personal identification number may be used instead of the temporary personal identification number.
S4a: The customer terminal 4 displays the reception number and temporary PIN number received from the host computer 8 on the display unit together with a wording that the application for card issuance has been completed.

In this way, the customer terminal 4 accepts an application for issuance of a new card by the customer's operation.
In the present embodiment, the customer terminal 4 accepts the customer's operation and applies for the issuance of a new card. However, as described above, the customer terminal 4 is a concept including the portable terminal 1, and therefore the portable terminal 1 An application for issuing a new card may be made.

Next, the customer who applied for issuance of a new card at the customer terminal 4 brings the mobile terminal 1 and issues a new mobile card issuance transaction at the automatic transaction apparatus 7. The process will be described in S5a to S13a.
S5a: When the automatic transaction apparatus 7 detects the approach of a customer by a proximity sensor (not shown), the customer operation display unit 21 selects a transaction such as a balance inquiry, a cash withdrawal, or a new mobile card issuance according to an instruction from the control unit 26. A transaction selection screen 50 shown in FIG. The transaction selection screen 50 includes, for example, a phrase such as “Please select a transaction” and transaction selection buttons such as “Balance inquiry”, “Drawer”, “New issue of mobile card”, and “Switch mobile card”. It is composed of

It is assumed that the customer presses a “mobile card new issue” transaction selection button 51 indicating that a new mobile card issue transaction is selected, and the customer operation display unit 21 receives the operation.
S6a: Upon receipt of pressing of the “issue new mobile card” transaction selection button 51, the customer operation display unit 21 instructs the input of the reception number and password shown in FIG. 55 is displayed. This receipt number and PIN number input screen 55 includes, for example, the words and symbols “Please enter the receipt number and PIN”, the numeric keys “1” to “9” and “0” (not shown), and the entered receipt number. And an area for displaying the number of digits of the input password.

It is assumed that the customer inputs the reception number and temporary password displayed on the customer terminal 4 in S4a according to the reception number and password input screen 55, and the customer operation display unit 21 receives the input.
When receiving the input of the reception number and the password, the control unit 26 transmits the input reception number and the password to the host computer 8.

S7a: The host computer 8 searches the account database 9 based on the received reception number, extracts the temporary security code, compares the temporary security code with the received temporary security code, and determines whether or not they match. Authenticate yourself. In the present embodiment, it is assumed that the extracted temporary security code matches the received temporary security code, and that the personal authentication ends normally.
When the personal authentication is completed, the host computer 8 generates card information including the account number of the main account stored in the IC chip of the portable terminal 1 and transmits it to the automatic transaction apparatus 7.

S8a: The control unit 26 of the automatic transaction apparatus 7 that has received the card information stores the card information in the storage unit 25.
S9a: When the card information is stored in the storage unit 25, the control unit 26 of the automatic transaction apparatus 7 transmits a message requesting application software for handling the card information to the distribution server 6. The distribution server 6 that has received the message extracts application software from a database (not shown) and transmits it to the automatic transaction apparatus 7.

The control unit 26 of the automatic transaction apparatus 7 stores the received application software in the storage unit 25.
In the present embodiment, the application software is received from the distribution server 6 every time the automatic transaction apparatus 7 performs a new mobile card issue transaction. However, when the automatic transaction apparatus 7 is turned on, the application software is downloaded in advance. It may be received from the distribution server 6 and stored in the storage unit 25. Alternatively, the application software may be received from the distribution server 6 only for the first time and stored in the storage unit 25.

  S10a: When the application software is stored in the storage unit 25, the customer operation display unit 21 displays the portable terminal approach guidance screen 58 shown in FIG. 8 according to an instruction from the control unit 26 of the automatic transaction apparatus 7. This mobile terminal approach guidance screen 58 is composed of words such as “Please hold your mobile phone over the reader”, and the mobile terminal 1 possessed by the customer is connected to the non-contact type IC chip reader / writer part of the automatic transaction apparatus 7. 24 is approached.

Assume that the customer brings the mobile terminal 1 close to the non-contact type IC chip reader / writer unit 24 of the automatic transaction apparatus 7.
S11a: The non-contact type IC chip reader / writer unit 24 of the automatic transaction apparatus 7 that has detected that the mobile terminal 1 has approached transmits the card information and application software stored in the storage unit 25 to the IC chip of the mobile terminal 1.

The control unit 16 of the portable terminal 1 stores the received card information and application software in the storage unit 15.
S12a: When the card information and application software are transmitted to the IC chip of the portable terminal 1, the control unit 26 of the automatic transaction apparatus 7 sends a message to the host computer 8 that the card information and application software have been registered in the portable terminal 1 (registration completed). Send.

S13a: The host computer 8 that has received the message indicating that the card information and the application software have been registered (registration completed) is associated with the account number of the card information and information regarding the account indicated by the account number as the main account is the account database. 9 and change from a temporary account to a real account.
In this way, the mobile card new issuance process is performed, and the customer can perform transactions such as cash withdrawal in the automatic transaction apparatus 7 or the like using the mobile terminal 1 storing the card information and application software as a cash card. In addition, it becomes possible to perform a credit settlement at a retail store as a credit card.

Next, the mobile card switching process will be described.

FIG. 5 is a flowchart showing the mobile card switching process in the first embodiment, which will be described in accordance with the steps represented by S in the figure.
The customer brings the mobile terminal 1 and performs a switching transaction to the mobile card with the automatic transaction apparatus 7, and the process will be described in S1b to S10b. In the mobile card switching process, the application procedure performed at the customer terminal 4 is not necessary.

  S1b: When the automatic transaction apparatus 7 detects the approach of a customer by a proximity sensor (not shown), the customer operation display unit 21 selects a transaction such as a balance inquiry, a cash withdrawal, or a new mobile card issuance according to an instruction from the control unit 26. A transaction selection screen 50 shown in FIG. The transaction selection screen 50 includes, for example, a phrase such as “Please select a transaction” and transaction selection buttons such as “Balance inquiry”, “Drawer”, “New issue of mobile card”, and “Switch mobile card”. It is composed of

Assume that the customer presses a “mobile card switching” transaction selection button 52 indicating that a transaction for switching a cash card or a credit card to a mobile card is selected, and the customer operation display unit 21 accepts the operation.
S2b: Upon accepting the pressing of the “portable card switching” transaction selection button 52, the customer operation display unit 21 displays a cash card insertion guidance screen for guiding the insertion of a cash card in accordance with an instruction from the control unit 26. This cash card insertion guidance screen is composed of, for example, the words “Please insert a cash card”, symbols, and the like.

It is assumed that the customer inserts the cash card from the card insertion / extraction port of the card reader / writer unit 22 according to the cash card insertion guidance screen, and the card reader / writer unit 22 accepts the insertion of the cash card.
The card reader / writer unit 22 reads account information such as an account number from the magnetic stripe or IC chip of the inserted cash card.

  When the cash card is inserted, the customer operation display unit 21 displays a password input screen for accepting the input of the customer password. On the password input screen, operation buttons (numerical key or software keyboard) including “1” to “9” and “0” buttons are displayed. When the customer operation display unit 21 displays the password input screen, the customer presses the displayed operation button and inputs the password.

When the customer inputs the personal identification number, the control unit 26 transmits the personal identification number together with the account information read from the cash card to the host computer 8 via the communication line 2.
S3b: The host computer 8 retrieves the account database 9 based on the received account information such as the account number of the customer, extracts the code number, and compares it with the received code number to check whether or not they match. Authenticate yourself. The host computer 8 transmits the result to the automatic transaction apparatus 7. In the present embodiment, it is assumed that the extracted personal identification number and the received personal identification number coincide with each other, and the personal authentication ends normally.

The personal authentication is not limited to using a personal identification number, and may be personal authentication using biometric authentication or the like.
When the personal authentication is completed, the host computer 8 extracts (generates) card information composed of an account number or the like stored in the IC chip of the mobile terminal 1 and transmits it to the automatic transaction apparatus 7.
S4b: The control unit 26 of the automatic transaction apparatus 7 that has received the card information stores the card information in the storage unit 25.

S5b: When the card information is stored in the storage unit 25, the control unit 26 of the automatic transaction apparatus 7 transmits a message requesting application software to the distribution server 6. The distribution server 6 that has received the message extracts application software from a database (not shown) and transmits it to the automatic transaction apparatus 7.
The control unit 26 of the automatic transaction apparatus 7 stores the received application software in the storage unit 25.

  In the present embodiment, the application software is received from the distribution server 6 every time the automatic transaction apparatus 7 performs a new mobile card issue transaction. However, when the automatic transaction apparatus 7 is turned on, the application software is downloaded in advance. It may be received from the distribution server 6 and stored in the storage unit 25. Alternatively, the application software may be received from the distribution server 6 only for the first time and stored in the storage unit 25.

  S6b: When the application software is stored in the storage unit 25, the customer operation display unit 21 displays the portable terminal approach guidance screen 58 shown in FIG. 8 according to an instruction from the control unit 26 of the automatic transaction apparatus 7. This mobile terminal approach guidance screen 58 is composed of words such as “Please hold your mobile phone over the reader”, and the mobile terminal 1 possessed by the customer is connected to the non-contact type IC chip reader / writer part of the automatic transaction apparatus 7. 24 is approached.

Assume that the customer brings the mobile terminal 1 close to the non-contact type IC chip reader / writer unit 24 of the automatic transaction apparatus 7.
S7b: The non-contact type IC chip reader / writer unit 24 of the automatic transaction apparatus 7 that has detected that the mobile terminal 1 has approached transmits the card information and application software stored in the storage unit 25 to the IC chip of the mobile terminal 1.

The control unit 16 of the portable terminal 1 stores the received card information and application software in the storage unit 15.
S8b: When the card information and application software are transmitted to the IC chip of the portable terminal 1, the control unit 26 of the automatic transaction apparatus 7 sends a message to the host computer 8 indicating that the card information and application software are registered in the portable terminal 1 (registration complete). Send.

S9b: The host computer 8 that has received the message indicating that the card information and application software have been registered (registration completed) is associated with the account number of the card information and information indicating that the switching transaction to the mobile card has been performed. It is assumed that it is stored in the database 9.
S10b: The card reader / writer unit 22 has inserted the cache in accordance with an instruction from the control unit 26 of the automatic transaction apparatus 7 that has transmitted a message indicating that card information and application software have been registered in the portable terminal 1 (registration completion) to the host computer 8. The card is collected in the card collection box.

Note that the card reader / writer unit 22 may return the inserted cash card to the customer.
In this way, the mobile card switching process is performed, and the customer can make a transaction such as withdrawal of cash in the automatic transaction apparatus 7 or the like using the mobile terminal 1 storing the card information and application software as a cash card. In addition, it becomes possible to make a credit card payment at a retail store as a credit card.

  As described above, in the first embodiment, the card information and application software are stored in the storage unit of the mobile terminal 1 via the non-contact type IC chip reader / writer unit 24 of the automatic transaction apparatus 7 and the mobile card is issued. Thus, there is no need for the customer to download the card information and application software from the distribution server, and the communication cost is eliminated.

In addition, the customer can use the automatic transaction apparatus 7 to perform a new issuance transaction of the mobile card and a switching transaction to the mobile card, and the mobile card is issued at a location and time that suits the customer's convenience. The effect that it will be able to do is acquired.
Furthermore, the monitoring camera provided in the automatic transaction apparatus 7 can monitor the customer who is issued with the mobile card, and the effect of preventing fraud can be obtained.

Next, a second embodiment will be described.

The second embodiment solves the problems such as the troublesomeness of the customer in the prior art that uses the customer terminal to apply for the new issuance of the mobile card, and improves the convenience of the customer. .
FIG. 9 is a block diagram showing the configuration of the automatic transaction system in the second embodiment.
The configuration of the second embodiment eliminates the need for a customer terminal from the configuration of the first embodiment in order to further improve the convenience for the customer, and the mobile terminal 1 and the automatic transaction apparatus 7 apply for an application for a new mobile card. It is to be realized with.

In addition, since the application for the new issue of the mobile card is performed by the mobile terminal 1 and the automatic transaction apparatus 7, the application reception server is also unnecessary.
Accordingly, the configuration of the second embodiment is obtained by removing the customer terminal and the application reception server from the configuration of the first embodiment described above, and the other components are the same as those of the first embodiment, so that the same reference numerals are used. The description is omitted.

The operation of the configuration of the second embodiment will be described.
FIG. 10 is a flowchart showing the mobile card new issuance process in the second embodiment, which will be described in accordance with steps represented by S in the figure.
S1c: A diagram for selecting a transaction such as a balance inquiry, a cash withdrawal, a new issuance of a mobile card, etc. according to an instruction from the control unit 26 when the automatic transaction apparatus 7 detects the approach of a customer by a proximity sensor (not shown). A transaction selection screen 50 shown in FIG. The transaction selection screen 50 includes, for example, a phrase such as “Please select a transaction” and transaction selection buttons such as “Balance inquiry”, “Drawer”, “New issue of mobile card”, and “Switch mobile card”. It is composed of

It is assumed that the customer presses a “mobile card new issue” transaction selection button 51 indicating that a transaction for newly issuing a mobile card is selected, and the customer operation display unit 21 receives the operation.
S2c: Upon receiving a press of the “issue new mobile card” transaction selection button 51, the customer operation display unit 21 displays a cash card insertion guidance screen for guiding the insertion of a cash card in accordance with an instruction from the control unit 26. This cash card insertion guidance screen is composed of, for example, the words “Please insert a cash card”, symbols, and the like.

It is assumed that the customer inserts the cash card from the card insertion / extraction port of the card reader / writer unit 22 according to the cash card insertion guidance screen, and the card reader / writer unit 22 accepts the insertion of the cash card.
The card reader / writer unit 22 reads account information such as an account number from the magnetic stripe or IC chip of the inserted cash card.

  When the cash card is inserted, the customer operation display unit 21 displays a password input screen for accepting the input of the customer password. On the password input screen, operation buttons (numerical key or software keyboard) including “1” to “9” and “0” buttons are displayed. When the customer operation display unit 21 displays the password input screen, the customer presses the displayed operation button and inputs the password.

When the customer inputs the personal identification number, the control unit 26 transmits the personal identification number together with the account information read from the cash card to the host computer 8 via the communication line 2.
The host computer 8 retrieves the account database 9 based on the received account information such as the account number of the customer, extracts the code number, and compares it with the received code number. Authenticate. The host computer 8 transmits the result to the automatic transaction apparatus 7. In the present embodiment, it is assumed that the extracted personal identification number and the received personal identification number coincide with each other, and the personal authentication ends normally.

The personal authentication is not limited to using a personal identification number, and may be personal authentication using biometric authentication or the like.
S3c: When the personal authentication is completed, the automatic transaction apparatus 7 transmits a telegram requesting the host computer 8 to issue a new mobile card.
S4c: Upon receipt of a telegram requesting new issuance of a mobile card, the host computer 8 generates a reception number and a temporary password, and stores the temporary security code in the account database 9 in association with the received number.

The host computer 8 notifies the automatic transaction apparatus 7 that the application for the card issuance has been received together with the generated reception number and temporary password.
The temporary security code may not be generated by the host computer 8 but may be input to the customer by the automatic transaction apparatus 7.
S5c: The control unit 26 of the automatic transaction apparatus 7 stores in the storage unit 25 that the application for card issuance has been received together with the received receipt number and temporary PIN, and displays the customer operation according to an instruction from the control unit 26 of the automatic transaction apparatus 7 The unit 21 displays the portable terminal approach guidance screen 58 shown in FIG. This mobile terminal approach guidance screen 58 is composed of words such as “Please hold your mobile phone over the reader”, and the mobile terminal 1 possessed by the customer is connected to the non-contact type IC chip reader / writer part of the automatic transaction apparatus 7. 24 is approached.

Assume that the customer brings the mobile terminal 1 close to the non-contact type IC chip reader / writer unit 24 of the automatic transaction apparatus 7.
S6c: The non-contact type IC chip reader / writer unit 24 of the automatic transaction apparatus 7 that has detected that the mobile terminal 1 has approached has received an application for card issuance together with the reception number and temporary PIN number stored in the storage unit 25. It transmits to the portable terminal 1.

The control unit 16 of the mobile terminal 1 displays on the display unit 11 and stores in the storage unit 15 that the application for card issuance has been received together with the reception number and temporary PIN number received by the short-range wireless communication unit 14.
S7c: On the other hand, the host computer 8 generates card information composed of an account number or the like to be stored in the IC chip of the portable terminal 1, and transmits it to the distribution server 6.

S8c: The distribution server 6 that has received the card information stores the card information in the storage unit.
S9c: It is assumed that the automatic transaction apparatus 7 receives from the host computer 8 that the receipt number and the temporary security code have been generated. Upon receipt of the notification, the card reader / writer section 22 receives the instruction from the control section 26 of the automatic transaction apparatus 7. The inserted cash card is returned to the customer and the transaction is terminated.

S10c: Next, the portable terminal 1 accepts the customer's operation through the input unit 12, and the wireless communication unit 13 establishes and communicates with the distribution server 6 according to an instruction from the control unit 16.
S11c: When connected to the distribution server 6, the input unit 12 of the mobile terminal 1 accepts an operation for starting a program (software) for downloading a mobile card and starts the program (software).

When the program (software) is activated, the input unit 12 of the portable terminal 1 receives an input of a reception number and a temporary security code. Note that the reception number and temporary PIN number may be stored in the storage unit 15 instead of being received by the input unit 12.
S12c: Upon receiving the input of the reception number and the temporary password, the wireless communication unit 13 transmits a card requesting downloading of card information and application software to the distribution server 6 according to an instruction from the control unit 16 of the portable terminal 1.

S13c: The distribution server 6 that has received the telegram requesting download transmits the card information stored in the storage unit in S8c and the application software extracted from the database (not shown) to the mobile terminal 1.
In this embodiment, the card information and the application software are stored in the storage unit of the distribution server 6, but the automatic transaction device 7 and the host device (for example, the host computer 8) of the mobile terminal 1 are stored in place of the distribution server 6. You may make it memorize | store in a part.

S <b> 14 c: The control unit 16 of the mobile terminal 1 stores the card information and application software received by the wireless communication unit 13 in the storage unit 15.
In this way, the mobile card new issuance process is performed, and the customer can perform transactions such as cash withdrawal in the automatic transaction apparatus 7 or the like using the mobile terminal 1 storing the card information and application software as a cash card. In addition, it becomes possible to perform a credit settlement at a retail store as a credit card.

  As described above, in the second embodiment, since the application for the new issue of the mobile card is performed by the mobile terminal and the automatic transaction apparatus, an effect that the convenience of the customer is improved can be obtained.

The block diagram which shows the structure of the automatic transaction system in a 1st Example. The block diagram which shows the structure of the portable terminal in a 1st Example. The block diagram which shows the structure of the automatic transaction apparatus in a 1st Example. The flowchart which shows the mobile card new issue processing in the 1st example The flowchart which shows the portable card switching process in 1st Example Explanatory drawing of the transaction selection screen in the first embodiment Explanatory drawing of a receipt number and password input screen in the first embodiment Explanatory drawing of the portable terminal approach guidance screen in the first embodiment The block diagram which shows the structure of the automatic transaction system in 2nd Example. The flowchart which shows the mobile card new issue processing in the 2nd example

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Mobile terminal 2 Communication line 3 Base station 4 Customer terminal 5 Application reception server 6 Distribution server 7 Automatic transaction apparatus 8 Host computer 9 Account system database

Claims (7)

The short-range wireless communication unit that transmits / receives card information, the storage unit that stores the card information received by the short-range wireless communication unit, the input unit that accepts an operation for applying for a new mobile card issue, and the application received A mobile terminal having a wireless communication unit that notifies the effect,
A host computer that receives the notification from the mobile terminal and transmits the generated customer identification information to the mobile terminal for display and storage in a database;
Accepting the input of the customer identification information by a customer operation, transmitting the customer identification information to the host computer, the host computer matches the received customer identification information with the customer identification information read from the database And confirming to provide an automatic transaction device that transmits the card information received from the host computer to the mobile terminal,
A mobile card new issue transaction for storing card information received from the automatic transaction apparatus in a storage unit of the mobile terminal is performed. A portable terminal having a short-range wireless communication unit that transmits and receives card information and a storage unit that stores card information received by the short-range wireless communication unit;
A customer terminal that accepts an application for new issuance of a mobile card that stores card information in the storage unit of the mobile terminal by an operation of the customer and notifies that the application has been accepted;
A host computer that receives the notification from the customer terminal and transmits the generated customer identification information to the customer terminal for display and storage in a database;
Accepting the input of the customer identification information by a customer operation, transmitting the customer identification information to the host computer, the host computer matches the received customer identification information with the customer identification information read from the database And confirming to provide an automatic transaction device that transmits the card information received from the host computer to the mobile terminal,
A mobile card new issue transaction for storing card information received from the automatic transaction apparatus in a storage unit of the mobile terminal is performed. In the automatic transaction system according to claim 1 or claim 2,
An automatic transaction system, wherein the customer identification information is a reception number and a temporary password. A portable terminal having a short-range wireless communication unit that transmits and receives card information and a storage unit that stores card information received by the short-range wireless communication unit;
A host computer having a database that pre-stores a PIN in association with account information such as a customer account number;
The account information recorded on the cash card inserted by the operation of the customer is read and the input of the password is accepted, the account information and the password are transmitted to the host computer, and the host computer receives the received account information. When the password extracted from the database based on the database and the received password are verified and matched, an automatic transaction apparatus for transmitting the card information received from the host computer to the mobile terminal is provided,
An automatic transaction system characterized in that a mobile card switching transaction is made to store card information received from the automatic transaction apparatus in a storage unit of the mobile terminal. Receives an application for a new mobile card issue by a customer's operation, notifies the host device that the application has been accepted, receives customer identification information consisting of the receipt number and temporary PIN generated by the host device, and identifies the customer An automatic transaction apparatus that transmits information by short-range wireless communication; and
A portable terminal for storing the customer identification information received from the automatic transaction apparatus in a storage unit;
The mobile terminal that has received the customer's operation transmits customer identification information to the host device, receives card information stored in association with the customer identification information from the host device, and stores the card information in the storage unit of the mobile terminal. An automatic transaction system characterized by memorizing and performing a mobile card new issue transaction. In the automatic transaction system according to any one of claims 1 to 5 ,
The card information is cash card information consisting of a customer account number or credit card information consisting of a customer credit card number, etc., and the mobile terminal has a cash card or credit card function. Automated trading system. In an automatic transaction device that accepts customer operations at the customer operation display unit and receives permission from the host device for transactions,
A storage unit for storing card information received from the host device;
A short-range wireless communication unit that transmits the card information stored in the storage unit to the mobile terminal;
When the customer identification information is input by the operation of the customer, the customer identification information is transmitted to the host device, and the fact that the customer is confirmed from the host device is received, the short-range wireless communication unit approaches An automatic transaction apparatus characterized in that card information is transmitted to a terminal.