JP4374282B2 - Automated trading system - Google Patents

Description

  The present invention relates to an automatic cash transaction apparatus that automatically performs deposit or withdrawal transactions, and more particularly to an automatic cash transaction apparatus and system that realizes improved security.

  In recent years, there has been a risk that a malicious person withdraws a large amount of cash with an illegally obtained cash card and password by copying the magnetic data of the cash card by skimming or looking at the password input screen. , Has become a problem. The conventional system includes the above-mentioned problem because it is possible to withdraw the full amount from the account deposit with only a cash card and a personal identification number.

  Patent Document 1 ranks from personal verification data input using biometrics, displays the transaction type and transaction limit according to the rank on the screen, and disables transactions that cannot be handled Is disclosed.

JP 2002-288424 A

  Among the background technologies described above, even in Patent Document 1, by setting a transaction limit for each user in advance, even if a cash card is illegally obtained by a criminal, transactions exceeding the limit can be prevented. However, there is a lack of consideration for operation by legitimate users.

  In other words, in view of the range of actions of legitimate users, it is usually the case that transactions are conducted by operating ATMs in almost the same branch and area. For example, users living in Tokyo are installed in Hokkaido. When using ATM, it is almost none. However, each bank has branches all over the country and the world, and transactions can be made from those ATMs or ATMs of other banks.

  In consideration of the above-mentioned problems and actual circumstances, the present invention provides an automatic cash transaction apparatus and system that has high security for malicious persons (eg, criminals) and excellent operability for legitimate users. The purpose is to provide.

  If you have an automated service machine (ACM) that performs identity verification and an automatic cash transaction device (ATM) that deposits or withdraws cash, that is, deposits or withdraws, It is characterized by restricting cash transactions at ATMs only after identity verification.

  The nationwide area, the area within the area, the branch within the area, the ATM within the area, each is numbered, and a collection of these is given to all ATMs as an ATM-ID, and is stored in the database installed at the center. , It is characterized by memorizing an available ATM ID and a limit amount for each account.

  After confirming the identity, the transaction ID is printed, and the transaction ID is input when the cash is withdrawn from the ATM, whereby the person who is identified by the ACM and the ATM user are regarded as the same person.

  According to the present invention, it is possible to designate a tradeable area, a store, an ATM, or the like in accordance with the actual usage of the user.

  DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of an automated teller machine (ATM), an automated service and contact machine (ACM), and an automated cash transaction system according to the present invention will be described below with reference to the drawings.

FIG. 1 shows the entire system configuration in which ATMs of centers and branch offices are connected, FIG. 2 shows the contents of a transaction restriction database set for each account number, and FIG. 3 shows transactions performed by users using ATMs. The transaction flow of the entire system is shown.
As shown in the figure, the user 11 holds a cash card 12 and inserts the cash card 12 into a card mechanism unit (not shown) such as ATM 21 at the A branch or ATM 41 at the C branch. Alternatively, the IC chip is read and the transaction selected by the user is automatically executed. Here, an example in which the user 11 with the account number “10003” uses the ATM 21 is shown. ATM-ID is an ID number uniquely assigned to all ATMs and ACMs. Since ATM21 is the first machine of A prefecture (wide area number is “23”), A city (area number is “10”), and A branch (store number is “1”), the ID number of this ATM21 is ATM in order. -It can be expressed as ID = "23.10.1.1.1". Similarly, ATM-ID represents the ATM-ID as “23.10.2.1” and ATM 41 as “10.6.1.1”.

  When the user 11 inserts the cash card 12 into the ATM 21 and starts a transaction (S001), the ATM 21 uses the ATM-ID “23.10.1.1” and the user account number “10003” as a security server. 52 (S002).

  The security server 52 searches the limit cancellation target ATM and the period using the received account number “10003” as a key in order to confirm whether or not the limit amount has been canceled by an ACM or the like described later (S003). In the example of FIG. 2, the limit cancellation target ATM and the period are set as “none”, so the setting is transmitted from the database 53 to the server 52 (S004). The server 52 determines that the limit is not released from the transmission data (S005).

  Next, the security server 52 instructs the database 53 to search for a transaction permission ATM using the received account number as a key (S006), and acquires a transaction-permitted ATM-ID list (S007). The server 52 determines whether the received ATM-ID is included in this list (S008). FIG. 2 shows the stored contents of the database 53, and the transactable ATMs with the account number “10003” are “23.10.1. *”, “106.1. *”, And “*. *. *. *”. It indicates that the ATM has the ATM-ID. This “*” is defined in the meaning of “includes all the digits”, so the ID “23.10.1.1” of ATM 21 is included in “23.10.1. *” Of database 53. . Therefore, the security server 52 determines that the ATM 11 is usable by the user 11 with respect to the ATM 21 (S008). Thereby, it is suitable when a user makes a transaction using the ATM of A branch “Store No. 1” well. In addition, “*. *. *. *” Indicates that transactions can be made at all ATMs in all prefectures, all cities, and all branches. In that case, the transaction at the time of withdrawal can be determined by determining the withdrawal limit in advance. Can be limited. If this “*. *. *. *” Is not set, the user with the account number “10003” can, of course, make transactions only with the ATMs installed at the A branch and the B branch.

  Then, the security server 52 uses the account number “10003” and the corresponding number “(1)” of the ATM-ID “23.10.1. *” Acquired from the database 53 as a key to set the limit amount and withdrawal amount. Search is performed (S009). In the example of FIG. 2, the withdrawal limit of the user 11 is “200,000 yen / month” and “100,000 yen / day”, and the amount withdrawn by the user 11 on the current month / day is “30,000 yen / day”. The security server 52 is notified of “current month” and “0 yen / current day” (S010). The server 52 calculates the maximum amount that can be withdrawn on the current day from the notified withdrawal limit and the current month / sunrise amount (S011), and notifies the ATM 21 (S012). In other words, the amount of money that can be withdrawn in the current month is “200,000-30,000 = 170,000”, but the information on the amount of money for the current sunrise is “100,000” yen is sent to the ATM. Subsequently, the ATM 21 compares the withdrawal amount input by the user 11 with the limit amount 100,000 yen returned from the security server 52 (S013), and when the withdrawal amount input by the user 11 is less than the limit amount. A withdrawal process is performed (S014), and if the withdrawal amount input by the user 11 exceeds the limit amount, a screen indicating "No" is displayed on the display unit of the ATM 21 without withdrawal from the ATM (S015). . In this way, by setting and storing transactions in advance for each ATM used by the legitimate user, as well as for branches and cities such as branches, cities, prefectures, etc., cards etc. are temporarily delivered to criminals. However, it becomes possible to restrict the transaction. Needless to say, if it is determined in S005 that the transaction is not made at an available ATM, the transaction is notified to the ATM and the transaction of the user is prohibited.

  However, a case will be described in which a legitimate user must withdraw money. For example, it is a case where a legitimate user moves on a business trip or the like and makes a withdrawal transaction in an area where no ATM that can be traded in advance is set. At this time, after confirming the identity with the ACM, the withdrawal operation is performed with the ATM. Hereinafter, an example in which the user 13 with the account number 10002 confirms the identity with the ACM 42 of the C branch will be described.

  4 shows an external view showing the ACM 23 of the A branch and the ACM 42 of the C branch in FIG. 1, FIG. 5 shows a processing flow diagram in the case of performing a large withdrawal permission procedure in the ACM, and FIG. 6 shows a screen example of the ACM. Show. The ACM basically has a function of performing various procedures such as opening an account and changing an address while talking to the center operator 54 in the center of FIG. Therefore, a conversation with the operator 54 is performed by a TV conference system using a person camera 105 that captures a user in front of the ACM and a microphone 104 that inputs voice, and an image such as a driver's license is transmitted to the center using the document camera 101. In addition, it has a function to perform identity verification. Further, in order to further enhance the identity confirmation, the biometric authentication device 106 may be incorporated in the ACM, and the user's fingerprint, iris, vein pattern, etc. may be input to improve the identity confirmation accuracy.

  When the user 13 is seated in the ACM and selects a high-payout menu on the touch panel type display unit (operation unit), the screen 201 shown in FIG. 6 is displayed on the display unit (S101). At the same time, by inserting the cash card 12 into the card mechanism 107, the magnetic or IC data attached to the medium is read, and the account number and the like are transmitted to the center (S102). Here, when the “preliminary examination at the time of high withdrawal” button 202 on the screen 201 is pressed, a screen 211 is displayed on the display unit. When the identity verification document is placed on the document table 103, the document camera 101 captures the image, transmits the image to the center (S103), and the center operator 54 refers to the user to confirm the identity (S104). It should be noted that this document table may be illuminated with light from the back side of the identity verification document, and a true / false determination mechanism may be incorporated to improve the accuracy of identity verification.

  If it is the person (Y in S104), a limit release request specifying the account number is issued to the security server 52 (S105), the server 52 issues a transaction ID (S106), and the transaction ID is stored in the database 53. Writing (S107) and the transaction ID is also transmitted to the ACM 23 (S108). Needless to say, the transaction ID is a value that cannot be easily estimated by a third party, such as a random number. When the ACM 23 receives the transaction ID, the display unit of the ACM 23 displays the screen 221 shown in FIG. 6, and issues the specification 301 on which the transaction ID “498” shown in FIG. 7 is printed by an issuing unit (not shown) (S109). When the ACM detects that the user 13 has received the transaction ID statement 301, the security server 52 notifies the security server 52 of a command indicating the receipt confirmation (S110), and the security server 52 determines the ATM for the limit release and the limit release period. Write to the database 53 (S111, S112). Normally, after canceling the limit with the ACM, in order to be able to withdraw money at the ATM installed in the same store immediately, as the limit cancellation target ATM, write "all ATMs in the same store as the operated ACM" In the cancellation period, about 1 hour after the transaction ID is issued is written in the database. Note that this limit release period is adjusted depending on the ATM congestion. FIG. 8 shows an example in which the limit release target ATM “106.1. *”, The transaction ID “498”, and the limit release period “2004.2.007 15:00” are written. Then, the server 52 transmits a write completion notification to the ACM 23 (S113), and the ACM displays the end screen 231 of FIG. 6 (S114).

FIG. 9 shows a flow of the withdrawal operation performed by the user 13 using the ATM after executing the transaction process of the higher withdrawal from the ACM 23 as described above. The ATM operation in this flow will be described as an example in which the ATM 41 in FIG. 1 is used and the operation time is “2004.2.007 14:15”. The processing up to S204 in FIG. 9 is the same as the withdrawal transaction up to S004 in FIG. The security server 52 notifies the limit cancellation ATM “106.1. *”, The limit cancellation period “2004.4.007 15:00” notified from the database, and the received ATM-ID “106.1. .1 ”and the current time“ 2004.02.07 14:15 ”are compared, and it is determined that the limit of the ATM of the received ID, that is, ATM 41, is released (Y in S205).
Then, the transaction ID is requested to the ATM 41 (S210), and the display unit of the ATM 41 displays the transaction ID input screen 401 shown in FIG. 10, and receives the transaction ID input from the user 13 (S213). The ATM 41 transmits the transaction ID “498” (see FIG. 7) input by the user 13 to the security server 52 (S214). The security server 52 searches the transaction ID by using the account number as a key in the database 53 by determining that it is within the limit cancellation period of S205 (S211), and the transaction ID set and stored in the database 53 of FIG. “498” is acquired (S212). As described above, the security server 52 compares and determines the transaction ID received from the ATM 21 and the transaction ID received from the database 53 (S215), and transmits the result to the ATM 21 (S216). An instruction to clear the transaction ID is issued during the limit release period (S217). If the ATM 21 matches the result notified from the server 52, the ATM 21 executes a withdrawal transaction at Y in S218 (S219), and if it does not match and N in S218, the ATM 21 displays a rejected screen on the display unit (S220). In the withdrawal transaction at this time, the banknote is automatically withdrawn from the banknote mechanism configured in the ATM by inputting the amount desired by the user 13 into the input unit.

  An example of changing the available ATM by the user and changing the withdrawal limit using the ACM will be shown. As described above with reference to FIG. 1, ATM-ID numbering assigned to an ATM is performed by dividing the whole country into wide-area units such as prefectures, and assigning a number to each divided unit (this number is a wide-area number). The unit divided in this wide area is finely divided into municipalities and the like, and a number is assigned to each finely divided unit (this number is the area number). For each area, a number is assigned to the store in the area (this number is the store number). Finally, give the machine number to the ATM in the store. And ATM-ID provided for every ATM becomes what arranged "wide area number * area number * store number * machine number". For example, in the case of FIG. 1, branch A and branch B are in the area (wide area number = 23, area number = 10), and branch C is in the area (wide area number = 10, area number = 6). The symbol “*” means that it does not matter what the digit is, and is used when designating a plurality of areas and a plurality of ATMs.

  Further, the transaction permission ATM and the withdrawal limit are recorded as in the setting of the database 53 of FIG. 2 and the stored information. For example, in the case of an account number “10002”, only “23.10. *. *” Is set as a transactionable ATM, and the withdrawal limit per month is “200,000 yen / month” and “10” 10,000 yen / day ”. “23.10. *. *” Expresses all ATMs with wide area number = 23 and area number = 10. All ATMs in A city in A prefecture are 100,000 yen per day, 20 per month. It is possible to withdraw up to 10,000 yen. For other ATMs, it indicates that you cannot withdraw money directly. Therefore, it is necessary to withdraw money after confirming the identity with ACM. For this reason, this setting is effective for accounts such as household accounts that always conduct transactions only at certain branches.

  Available ATMs and withdrawal limits are set from ACM. FIG. 11 shows a setting flow diagram, and FIG. 12 shows a current setting display screen showing a setting state of the user 11, for example, a handleable ATM corresponding to the account number. FIG. 12 shows a screen displayed on the display unit of the ACM, which is also a content stored in the database 53.

  When the screen 201 of FIG. 6 is displayed in the ACMs 23 and 42 of FIG. 1, when the “Available ATM / withdrawal limit setting” menu on the screen is selected (S301), similarly to FIG. Identity verification processing is executed (S302 to S303). If the user is confirmed, the current setting display screen 501 shown in FIG. 12 is displayed (S305). The user 11 performs key transactions on the screen 501 and detects and accepts the key input on the ACM apparatus side, thereby performing various transactions. If the user wants to add a region, branch, etc. in addition to what is currently set, the “add region / branch” key 503 is pressed to display the “region / branch addition screen” (S306). Add from a wide area, area selection menu, etc. Then, a limit setting screen for the selected usable area or the like is displayed (S307), and the withdrawal limit for each month or day is set. If it is desired to delete the currently set region, etc., a deletion confirmation screen is displayed by selecting from the currently displayed item 502 and pressing the “Delete Region / Branch” key 504 (S308). Execute. If you want to change the withdrawal limit amount set for the region, etc., select it from the item 502 and press the “Change Limit” key 505 to detect it and set the monthly limit amount for the selected region, etc. An input screen, for example, a screen with a numeric keypad is displayed (S309), and the pressed limit amount is set. In the case of ending, the “end” key 506 is pressed to end the process. The above settings are set and stored in the database 53 via the security server 52, and the operation in the set state can be executed in a later ATM operation.

  As explained above, when a user conducts a transaction such as withdrawal, the user performs a desired transaction from the ATM, and when the withdrawal limit is canceled or an available ATM is changed, from the ACM. Is desirable. On the other hand, since both ATM and ACM automatically perform a transaction desired by the user, both are also simply referred to as an automatic transaction apparatus.

Automatic cash transaction system diagram An example of transaction permission information recorded in the database 53 Transaction processing flow chart when dealing with ATM External view of ACM Identification flow and transaction ID issuance flow chart in ACM Sample screen displayed on the ACM display Example of transaction ID issued by ACM Data stored in database 53 after withdrawal limit is canceled Transaction flow diagram centered on ATMs and servers after withdrawal of withdrawal limit Example of transaction ID input screen Flow chart when changing available ATM / withdrawal limit Current setting display screen example when changing available ATM / withdrawal limit

Explanation of symbols

DESCRIPTION OF SYMBOLS 11 ... User, 12 ... Cash card of user 11, 13 ... User, 14 ... Cash card of user 13, 21 ... ATM of branch A (1st machine), 22 ... ATM of branch A (2nd machine) ), 23 ... ACM of branch A (No. 11), 31 ... ATM of branch B (No. 1), 41 ... ATM of branch C (No. 1), 42 ... ACM of branch C (No. 11), 51 ... Account system Host, 52 ... Security server, 53 ... Transaction restriction information for each account, 54 ... Center operator, 101 ... Document camera, 102 ... Document collection box, 103 ... Document stand, 104 ... Microphone, 105 ... Human camera, 106 ... Biometric authentication unit, 107 ... card reader, 108 ... print printer, 201 ... menu screen for high withdrawals, 202 ... pre-examination button for high withdrawals, 203 ... withdrawal limit change button , 04 ... Available ATM setting / limit setting button, 211 ... Person confirmation document presentation request screen, 212 ... Transaction ID print screen, 222 ... Confirm button, 231 ... Procedure end screen, 232 ... Confirm button, 301 ... Transaction ID statement Example: 401 ... Transaction ID input screen example, 402 ... Confirm button, 501 ... Available ATM / limit current setting display screen, 502 ... Limit, 503 ... Add region / branch button, 504 ... Delete region / branch button, 505 ... limit change button, 506 ... end button

Claims (4)

In an automatic transaction system consisting of an automatic cash transaction apparatus for depositing or withdrawing, an automatic response service machine having an identity verification function, a server, and a database,
The database stores, for each account number, information for setting a transaction in advance including an ATM-ID permitted for the transaction ,
The information for setting the transaction includes information indicating a region where the transaction is possible,
When executing the withdrawal transaction by the automatic teller machine, the server receives the ATM-ID and the account number of the automatic teller machine and information stored in the database based on the account number. the together have a means for determining whether the ATM-ID of the automatic cash transaction apparatus is included, upon receiving the notification limit release from the automatic answering service machine, it sets the transaction ID in the database A means for transmitting a transaction ID to the automatic service machine, and a means for setting a period of limit release in the database;
The limit cancellation is an automatic transaction system in which information on another region is added to information indicating the region where the transaction is possible . The database records withdrawal limit information,
When the server determines that the ATM-ID is included in the information stored in the database, the server has means for notifying the automatic cash transaction apparatus of the withdrawal amount information of the database,
2. The automatic transaction system according to claim 1, wherein the automatic teller machine includes means for comparing the input withdrawal amount and the notified withdrawal limit amount information. The automatic teller machine displays an input request for the transaction ID,
The server, the automatic cash transaction apparatus from receiving the transaction ID, and the automatic transaction system according to claim 1, further comprising means for determining whether or not to match a configured transaction ID in the database. 4. The automatic transaction system according to claim 1 or 3, wherein the automatic response service machine has means for changing transaction information including a region and a branch stored in the database.

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