JP2018142036A - Automatic transaction device, automatic transaction system, and automatic transaction program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction device capable of improving transaction safety and shortening transaction time by recommending registration and use of specific transactor identification data during transaction.SOLUTION: This automatic transaction device is provided with: account data holding means for holding correspondence between transaction account identification information identifying a transaction account for each transactor and a password number corresponding to each transaction account identification information as first account data; data fetching means for fetching the transaction account identification information and the password number; collation determination means for determining whether the correspondence between the transaction account identification information and the password number coincides with the correspondence held in the account data holding means; and transactor identification data request means for requesting operation-inputting of at least one type of transaction identification data corresponding to each transactor when the coincidence with the correspondence is determined. The data fetching means fetches data input in response to the request as transactor identification data, and the account data holding means holds correspondence between the transaction account identification information and the fetched transactor identification data as second account data.SELECTED DRAWING: Figure 1

Description

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

  So-called automatic transaction devices such as automated teller machines (ATMs) and cash dispensers (CDs) of financial institutions such as banks are used for transactions such as inserted cash cards and credit cards. It reads information from a card or a transaction account passbook or other medium on which information necessary for transactions is recorded, acquires account data, and executes account transaction processing.

  Such an automatic transaction apparatus may perform processing such as identity verification using other identification information in addition to account data which is acquired from a cash card or the like and is information for specifying an account. As the other identification information, an identifier (transactioner identification data) as a trader of the user himself / herself can be used instead of the transaction unit on the financial institution side. By using the transaction identification data, it is possible to shorten the time required for the transaction for both the financial institution and the transaction. However, such identification information needs to be registered in advance in a financial institution or the like that conducts the transaction.

  For example, Patent Literature 1 discloses a branch office terminal that is installed at a bank branch office and performs a registration process for associating a customer's electronic certificate issue number with an account number by the operation of a bank clerk. Patent Document 2 discloses a personal number management system having registration means for registering image data of a document and a user's personal number in association with user identification information.

JP 2006-143285 A JP-A-2006-139326

  In transaction processing using the transaction identification data registered with financial institutions, for example, as many users as possible are concerned in order to enhance transaction safety and shorten the time required for various procedures. It is desirable to register trader identification data. For example, by registering specific transaction identification data such as personal number, license number, passport number, social insurance number, etc. in advance, it may be possible to enhance transaction safety and shorten the procedure time. The

  In addition, in conventional automatic transaction devices, such registration is often performed at a financial institution or the like, and the time period during which the procedure can be performed is limited, and the procedure is complicated and time consuming. One of the issues is that it is difficult for registration to occur.

  The present invention has been made in view of the above points, and recommends the registration and use of specific trader identification data for transactions in an automatic transaction apparatus, and improves the safety of transactions and shortens the time required for transactions. An object of the present invention is to provide an automatic transaction apparatus, an automatic transaction system, and an automatic transaction program.

  The automatic transaction apparatus according to the present invention is an automatic transaction apparatus that manages account transaction processing with the transaction person via a transaction account designated by a trader, and transaction account specifying information for specifying a transaction account for each trader; Account data holding means for holding the correspondence relationship with the corresponding passwords as first account data, data fetching means for taking in transaction account identification information and password specified in accordance with the input operation, Matching determination means for determining whether or not the correspondence relationship between the transaction account specifying information and the PIN number fetched by the data fetching means matches the correspondence relation held in the account data holding means, and the correspondence relation A transaction identification data requesting means for requesting an operation input of at least one type of transaction identification data corresponding to each of the traders, when the match is determined, The data input by the input operation in response to the request is taken in as the trader identification data, and the account data holding means sets the correspondence relationship between the trade account specifying information and the fetched trader identification data to the second It is characterized by holding as account data.

  The automatic transaction system of the present invention is an automatic transaction system that manages account transaction processing with the above-mentioned transaction via a transaction account designated by a transaction, and includes transaction account specifying information for specifying a transaction account for each said transaction Account data holding means for holding the correspondence relationship with the corresponding passwords as first account data, data fetching means for taking in transaction account identification information and password specified in accordance with the input operation, Matching determination means for determining whether or not the correspondence relationship between the transaction account specifying information and the PIN number fetched by the data fetching means matches the correspondence relation held in the account data holding means, and the correspondence relation A transaction identification data requesting means for requesting an operation input of at least one type of transaction identification data corresponding to each of the transactions when a match is determined. Takes in the data entered by the input operation in response to the request as the trader identification data, and the account data holding means has a correspondence relationship between the trade account identification information and the taken up trader identification data Is stored as second account data.

  An automatic transaction program according to the present invention is a program for causing a computer of an automatic transaction apparatus that performs account transaction processing with the transaction person via a transaction account designated by a trader to execute the account data holding means, A first account data holding step for holding, as first account data, a correspondence relationship between transaction account specifying information for specifying each transaction account and a corresponding password, and a data fetching means for input operation; A data fetching step for fetching transaction account specifying information and a personal identification number specified in response, and a collation determining means, a correspondence relationship between the trading account specifying information and personal identification number fetched in the data fetching step, and the account A matching determination step for determining whether or not the correspondence relationship held in the data holding step matches, and in the matching determination step, the correspondence relationship A transaction identification data requesting step for requesting an operation input of at least one type of transaction identification data corresponding to each of the transactions; and A transaction identification data capturing step for capturing data input by the input operation in response to the request in the transaction identification data requesting step as the transaction identification data; and the account data holding unit, A second account data holding step of holding a correspondence relationship between the trading account specifying information and the trader identification data fetched in the trader identification data fetching step as second account data; Features.

  The automatic transaction apparatus according to the present invention is an automatic transaction apparatus that manages account transaction processing with the transaction person via a transaction account designated by a trader, and trading account specifying information that identifies the trade account designated by the trader. Trading account fetching means for fetching, trader identification data requesting means for requesting input of at least one kind of trader identification data corresponding to the trader, and data entered in response to the request Trader identification data capture means for capturing as identification data, and account data holding means for associating the transaction account specifying information with the captured transaction identifier data and storing the transaction account identification data as trader identification account data. It is characterized by providing.

It is a block diagram which shows the structure of ATM which is an Example of this invention. It is a perspective view which shows the external appearance of ATM of FIG. It is a flowchart which shows the example of the transaction control routine of ATM of FIG. It is a flowchart which shows the example of the transaction control routine following FIG. It is a figure which shows the example of a display in the display of ATM of FIG. It is a figure which shows the example of the other display in the display of ATM of FIG. It is a figure which shows the example of the other display in the display of ATM of FIG. It is a figure which shows the example of a display in the display of ATM of FIG. It is a figure which shows the example of the other display in the display of ATM of FIG. It is a flowchart which shows a part of example of the transaction control routine of FIG. It is a figure which shows the example of a display in the display of ATM of FIG. It is a figure which shows the example of the other display in the display of ATM of FIG. It is a figure which shows the example of the other display in the display of ATM of FIG. It is a figure which shows the example of the other display in the display of ATM of FIG. It is a figure which shows the example of the other display in the display of ATM of FIG. It is a figure which shows the example of the other display in the display of ATM of FIG. It is a figure which shows the example of the other display in the display of ATM of FIG.

  FIG. 1 shows the configuration of an ATM (Automated Teller Machine) 100 as an embodiment of the automatic transaction apparatus of the present invention. The structure of the automatic transaction system 200 containing ATM100 is shown. The ATM 100 is installed at each branch of a financial institution, for example, and is connected to a host computer (hereinafter simply referred to as a host) 300 and a CRM server 400 of the financial institution.

  As shown in FIG. 2, the ATM 100 has a prismatic casing. On the top surface of the housing, a user interface unit 14, a bill slot 16 and a coin slot 17 are provided. Moreover, the said housing | casing has the protrusion part which protruded from the one side of the said top surface. The protruding portion is provided with a passbook insertion / extraction port 19 and a card insertion / extraction port 21. Of the side surfaces of the housing, the side on which the display unit is provided is the front side, and the side on which the protrusion is provided is the back side. A trader (hereinafter also referred to as a user or a customer) using the ATM 100 can perform operations such as input from the user interface unit 14 and card insertion by standing on the front side of the ATM 100.

  The operation of the ATM 100 shown in FIG. The control unit 11 includes a display control unit 11 </ b> A that controls display of guidance, selection, and the like related to transactions performed by a trader who operates the ATM 100. In addition, the control unit 11 serves as data capture means (or transaction account capture means and trader identification data capture means) for capturing information such as information input by the trader and information stored in the CRM server. An information capturing unit 11B is provided. Moreover, the control part 11 is provided with the collation determination part 11C as a collation determination means which collates and determines information, such as a PIN code regarding a transaction.

  The communication unit 12 is a network adapter such as a NIC (Network Interface Card) for performing communication such as data transmission / reception with the outside in accordance with an instruction from the control unit 11. The communication unit 12 performs communication with external devices such as the host computer 300 and the CRM server 400 that occur in transaction control, for example.

  The storage unit 13 is a storage device such as a hard disk, a flash memory, an SSD (Solid State Drive), or a RAM (Random Access Memory) that appropriately stores data necessary for processing of the control unit 11 and data generated in the processing.

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

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

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

  The cash deposit / withdrawal mechanism 15 opens / closes the shutters of the bill slot 16 and the coin slot 17 provided on the front surface of the ATM 100 in accordance with the opening / closing control signal supplied from the control unit 11. Further, the cash deposit / withdrawal mechanism 15 corresponds to the amount indicated by the cash withdrawal signal from a cash hangar (not shown) in which banknotes or coins are stored in accordance with the cash withdrawal signal supplied from the control unit 11. The taken banknote or coin is taken out and led out to the banknote inlet / outlet 16 and the coin inlet / outlet 17, respectively. Furthermore, the cash depositing / dispensing mechanism 15 takes in the banknotes or coins inserted by the user into the banknote slot 16 or the coin slot 17, and stores them in the cash storage.

  As shown in FIG. 2, the bankbook entry machine 18 takes in a customer's bankbook when it is inserted into a bankbook insertion / exit 19 provided on the front surface of the ATM 100. At this time, the bankbook entry machine 18 writes the transaction contents indicated by the transaction result signal supplied from the control unit 11 and the execution date and time of the transaction in the customer's bankbook. When the writing is completed, the bankbook bookkeeping machine 18 discharges the customer's bankbook from the bankbook insertion / discharge port 19.

  When the customer's transaction card is inserted into the card insertion / extraction port 21 provided on the front surface of the ATM 100 shown in FIG. 2, the card reading / printing machine 20 as the medium reading means takes in the transaction card and holds the transaction card. Read information. This reading is performed by reading the embossing, magnetic stripe or IC chip of the transaction card.

  The transaction card holds card information. The card information includes, for example, information related to the holder of the transaction card and transaction account specifying information that is information specifying an account of a financial institution such as a bank. That is, the transaction card holds information including transaction account specifying information of a transaction operator who operates the ATM 100. The card reading printer 20 supplies the read card information to the control unit 11.

  In addition, when a card discharge signal is supplied from the control unit 11, the card reader / printer 20 discharges the taken transaction card from the card insertion / discharge port 21. Further, the card reading printer 20 prints the transaction result represented by the transaction statement print signal on the statement slip sheet according to the transaction statement print signal supplied from the control unit 11. The statement slip is sent out from the card insertion outlet 21 together with the transaction card.

  The imaging input unit 22 serving as an imaging input unit is an imaging device such as a scanner, and can acquire an image of a medium that carries transaction identification data and a document such as identification information. Further, the imaging input unit 22 can supply imaging data, which is information about the acquired image, to the control unit 11.

  In addition to the card information, the ATM 100 can supply trader identification data corresponding to each trader to the control unit 11. For example, the trader identification data is input by the touch pad 14B and is captured by the information capturing unit 11B.

The trader identification data may be, for example, a personal number and a corporate number stipulated in a law (number law) concerning the use of a number for identifying a specific individual in an administrative procedure.
Further, the trader identification data may be a unique number, a symbol, or a combination thereof associated with each individual and corporation.

  For example, the trader identification data may be a license number, passport number, insurance card number, resident card code, social security number, or the like. The trader identification data may be an identifier as a trader of the user himself / herself, not an identifier as a trade account on the specific financial institution side.

  In this embodiment, a case where a personal number (my number) defined in the law (number law) on the use of a number for identifying a specific individual in an administrative procedure is used as the trader identification data will be described as an example. .

  The control unit 11 transmits the account specifying information supplied from the card reading printer 20 to the CRM server 400 and requests the CRM server 400 for customer information (first account data) corresponding to the account specifying information. The first account data is stored (held) in a customer information database (DB) 400A in the CRM server 400 as account data holding means. Further, the account data is held as a correspondence relationship between the transaction account specifying information for each trader and the personal identification number corresponding thereto.

  The display control unit 11A controls the display 14A to display a screen such as a transaction type selection screen related to the transaction. For example, the display control unit 11A causes the display 14A to display a selection screen on which a transaction can be selected by an input operation of the transaction via the touch pad 14B. Further, the display control unit 11A causes the display 14A to display information related to the selected transaction such as a predetermined transfer destination and a transfer fee based on the customer information.

  The information capturing unit 11B captures information such as account identification information, a personal identification number, transaction identification data, and other information indicating the selected transaction type. The information capturing unit 11B captures information input using a transaction card or the touch pad 14B.

  The collation determination unit 11C determines whether or not the personal identification number included in the account data from the CRM server 400 matches the personal identification number input by the touch pad 14B. Moreover, the collation determination part 11C satisfy | fills the conditions for the said data to be trader identification data, when the information taking part 11B captures the data input by touchpad 14B as trader identification data, for example. It is determined whether or not. For example, when it is determined that the condition for the transaction identification data is satisfied, the correspondence between the transaction identification data and the account identification information is the second account data (transaction identification account data). For example, it is held in the CRM server 400.

  3 and 4 are flowcharts showing a transaction control routine R1 executed by the ATM 100. For example, when the power is turned on, the control unit 11 executes a transaction control routine R1. Note that a human sensor or the like may be provided in the ATM 100 so that the transaction control routine is executed when it is detected that the customer has approached the ATM 100.

  As shown in FIG. 3, in step S1, the display control unit 11A of the control unit 11 displays a transaction type selection screen (hereinafter also referred to as a reception guidance screen or a reception screen) on the display 14A. The transaction type selection screen displayed in step S1 prompts the trader to select and input my number registration for registering trader identification data (my number) in addition to the desired trade selection input as shown in FIG. 5A, for example. It is a display screen.

  In the display screen of FIG. 5A, when a transaction such as “deposit” or “withdrawal” is selected, a normal transaction selection button group A1 for displaying a screen operated when the customer conducts the transaction (in the drawing) (Within broken line) is displayed. Further, in the display screen of FIG. 5A, a “My Number Registration” button A2 is prepared as a button for transitioning to a screen operated when a customer operating the ATM 100 registers My Number.

  After executing step S1, the control unit 11 determines whether or not a transaction type has been selected (step S2). Specifically, the control unit 11 determines whether any button of the normal transaction button group A1 or the “My Number Registration” button A2 (FIG. 5A) is pressed via the touch pad 14B.

  If it determines with the transaction classification having been selected in step S2 (step S2: YES), the control part 11 will display the screen which prompts a trader to insert a card via the display control part 11A (step S3). In step S3, the display control unit 11A displays a card insertion request screen as shown in FIG. 5B on the display 14A, for example.

  If it determines with the transaction type not being selected on the display screen as shown to FIG. 5A (step S2: NO), the control part 11 will return to step S1, and will display the transaction type selection screen on the display 14A again.

  After executing step S3, the control unit 11 determines whether or not the card information is taken into the information taking unit 11B (step S4). In step S3 and step S4, the information capturing unit 11B functions as a data capturing unit or a transaction account capturing unit.

  When the control unit 11 determines in step S4 that the card information has been taken in (step S4: YES), for example, a screen for prompting the trader to input a password (password input screen) as shown in FIG. 5C. Is displayed on the display 14A (step S5).

  When it is determined in step S4 that the card information has not been taken in (step S4: NO), the control unit 11 returns to step S3 and displays the card insertion request screen on the display 14A again.

  The controller 11 determines whether or not a password corresponding to the card information has been input after the execution of step S5. That is, it is determined whether or not a password corresponding to the transaction account specified by the account specifying information included in the card information is input.

  More specifically, in the account data stored in the customer information DB 400A in the CRM server 400, the correspondence between the transaction account specifying information and the PIN corresponding thereto, and the transaction account specifying information specified by the card information The matching determination unit 11C determines whether or not the correspondence relationship with the entered password number matches.

  If the control unit 11 determines in step S6 that the password corresponding to the card information has not been taken in (step S6: NO), the control unit 11 returns to step S5 to display the password input request screen again on the display 14A. .

  If the control unit 11 determines in step S6 that the password corresponding to the card information has been taken in (step S6: YES), as shown in FIG. 4, the controller 11 corresponds to the account specified by the card information. It is determined whether or not a number is registered (step S7).

  When the control unit 11 determines in step S7 that the my number corresponding to the account is not registered (step S7: NO), the control unit 11 executes a my number registration routine (step S8). In the my number registration routine, the my number is registered by being stored in the customer information DB 400A in the CRM server 400 as the account data holding means. In the registration of the My Number, the correspondence relationship between the transaction account specifying information of the trader and the input My Number is stored as second account data.

  The control part 11 determines whether transaction is started after execution of step S8 (step S9). The determination in step S9 may be performed based on the result of selection input, for example, a selection button indicating whether or not to start a transaction is displayed on the display 14A. Further, the determination in step S9 may be made based on the transaction type selected in step S1. For example, if any transaction is selected in step S1, it may be determined that the transaction is started in step S9. In addition, when “My Number Registration” is selected in Step S1, it may be determined that the transaction is not started in Step S9.

  If it determines with starting the transaction in step S9 (step S9: YES), the control part 11 will determine whether a transaction is permitted (step S10). The determination in step S10 may be performed, for example, by the collation determination unit 11C determining whether or not the host 300 has permitted the transaction through communication with the host 300. The determination in step S10 is, for example, that the collation determination unit 11C determines that the transaction is permitted when the My Number is registered at the time of starting the transaction (that is, at the start of step S10). May be done by.

  When determining that the transaction is not started in step S9 (step S9: NO), the control unit 11 ends the control routine R1.

  If it determines with a transaction being permitted in step S10 (step S10: YES), the control part 11 will perform a transaction process according to a transaction classification (step S11). For example, when the transaction is “withdrawal”, the cash deposit / withdrawal mechanism 15 is made to take out banknotes or coins corresponding to the amount included in the transaction contents from a cash hangar (not shown). It is led out to the coin inlet / outlet 17.

  When it is determined in step S7 that the My Number corresponding to the account is registered (Step S7: YES), the control unit 11 causes the display 14 to display a screen requesting operation input of My Number (Step S12). . The display of the my number input request screen is performed by displaying a numeric keypad as shown in FIG. 5D, for example.

  When data is input in response to the request display in step 12 after execution of step S12, the control unit 11 determines whether or not the input data matches the already registered my number. (Step S13). More specifically, in step S13, the collation determination unit 11C determines the correspondence between the account registered (saved) as the second account data and the My Number (transactioner identification data), and the account specified by the card. It is determined whether or not the correspondence relationship with the input my number (transactioner identification data) matches.

  If the control part 11 determines in step S13 that it corresponds with the registered my number, it will transfer to step S11 and will perform transaction processing according to transaction classification. Thereafter, transaction termination processing is executed (step S15), and the control routine is terminated. This termination process may be, for example, a process for printing the card slip describing the contents of the transaction on the card reading printer 20 and discharging it, or a process for discharging the transaction card from the card insertion / exit port 21.

  If the control unit 11 determines in step S13 that it does not match the registered my number, the control unit 11 causes the display 14A to display a screen indicating that it cannot be handled, that is, that the transaction cannot be executed (step S14). In step S14, for example, a screen as shown in FIG. 5E is displayed on the display 14A. Thereafter, transaction termination processing such as card ejection is executed (step S15), and the control routine is terminated.

  The control unit 11 also displays that it cannot be handled (step S14), executes a transaction end process (step S15), and determines that the transaction is not permitted in step S10 (step S10: NO). End the routine.

  The my number registration routine will be described with reference to FIG. The control part 11 will display the screen which requests | requires registration of my number, if a my number registration routine is started (step S21). In step S21, the display control unit 11A displays, for example, a my number registration request screen as shown in FIG. 7A on the display 14A. On the My Number Registration Request screen, for example, buttons for prompting selection of “Register”, “Do Not Register”, “Registered”, etc. are displayed.

  After executing step S21, the control unit 11 determines whether “register” is selected (step S22). In step S22, the control unit 11 determines whether or not the “register” button has been pressed via the information capturing unit 11B and the touch pad 14B.

  If the control unit 11 determines in step S22 that the “register” button has been selected (step S22: YES), the control unit 11 causes the display 14A to display a screen requesting input of a my number (step S23). In step S23, the display control unit 11A and the user interface unit 14 function as a trader identification data request unit. In step S23, for example, a my number input request screen as shown in FIG. 7B is displayed on the display 14A.

  If it is determined in step S22 that the “Register” button has not been selected (step S22: NO), the control unit 11 displays that it cannot be handled (step S14), and executes end processing (step S15). ) After that, the control routine is terminated. For example, all transactions may not be handled, and a display indicating that the transaction selected by the trader cannot be handled may be displayed.

When a number is input in response to the request screen in step S23, the control unit 11 determines whether or not the input number is a my number (step S24). More specifically, the determination is made by the collation determination unit 11C as the discriminator data determination unit as to whether or not the input number satisfies the requirements set in My Number.

  For example, the determination may be made by calculating an inspection number (check digit) using a formula defined in Article 5 of Ordinance No. 85 of the Ministry of Internal Affairs and Communications. More specifically, an inspection number is calculated using an 11-digit number excluding the last digit of the input 12-digit number, and the calculated inspection number and the end of the input number are calculated. It may be determined whether or not the number matches. Even when the transaction identification data is an identifier other than My Number, whether or not the transaction identification data is designated transaction identification data may be determined in accordance with each defined criterion. For example, the determination may be made according to a criterion such as the number of alphabetic characters or the number of digits included in the identifier.

  If the control unit 11 determines in step S24 that the input number is not a my number (step S24: NO), for example, as shown in FIG. 7D, the control unit 11 indicates that it is not a my number and prompts the user to input again. The screen is displayed on the display 14A.

  If it is determined in step S24 that the input number is a My Number (Step S24: YES), the control unit 11 determines whether or not the input My Number has already been registered (Step S25). .

  When it is determined in step S25 that the input my number is registered (step S25: YES), the control unit 11 ends the my number registration routine. If it is determined that the entered My Number is registered, for example, the My Number input request screen may be displayed again to prompt the user to select whether or not to register another My Number. good. In this case, for example, a plurality of personal numbers can be registered for one account.

  If it is determined in step S25 that the input my number is not registered (step S25: NO), the control unit 11 displays a confirmation screen and determines whether or not to register the input my number. A selection input is requested for (step S26).

  After executing step S26, the control unit 11 determines whether or not the “confirm” button for registration has been pressed (step S27). In step S27, for example, a registration confirmation screen as shown in FIG. 7C is displayed on the display 14A.

  If it is determined in step S27 that the “confirm” button for registration has been pressed, the control unit 11 executes my number registration processing (step S28). In the my number registration process, the correspondence between the input my number as the transaction identification data and the transaction account specifying information specified by the card information is used as second account data as account data holding means. It is held in the CRM server 400. In steps S23 to S28, the information capturing unit 11B functions as a data capturing unit or a trader identification data capturing unit.

  After executing step S28, the control unit 11 displays a screen indicating the completion of registration as shown in FIG. 7E on the display 14A, for example, and ends the my number registration routine.

  If the control unit 11 determines in step S27 that the registration “confirmation” button has not been pressed, the control unit 11 displays that it cannot be handled (step S14) and ends processing (step S15), and ends the control routine.

  In addition, when it determines with the my number corresponding to an account not being registered (step S7), the control part 11 may perform transaction first and may perform my number registration routine after completion | finish of transaction.

  In addition, when it is determined that the My Number corresponding to the account is not registered (Step S7), the control unit 11 does not execute the My Number Registration Routine and performs registration by means other than the automatic transaction apparatus such as a window. A screen to be guided may be displayed on the display 14A. For example, as shown in FIG. 8A, character information such as “Please register my number at the window” may be displayed on the display 14A.

  Moreover, the control part 11 is good also as not performing a transaction, if there is no my number registration according to the selected transaction classification, even if there is no my number registration. For example, in the my number registration routine (step S22 in FIG. 6), when “not register” is selected, the “deposit” process may be executed and the “drawout” process may not be executed.

In this control routine, it has been described that the My Number is input by the touch pad 14B and is captured by the information capturing unit 11B. However, the My Number is captured via the My Number Card or My Number Notification Card. Also good. For example, the card reader / printer 20 or a non-contact type IC card reader / writer (not shown) reads information recorded on the IC chip of the My Number card, and decrypts the encrypted information in some cases. , You may import my number. Further, the image of the my number notification card or the image of the my number card may be taken in by the imaging input unit 22.
For example, as shown in FIG. 8B, a screen requesting insertion of a my number card may be displayed.

  As described above in detail, according to the automatic transaction system 200 including the ATM 100 of the present embodiment, it is possible to register My Number, which is specific transaction identification data, at the time of transactions in the ATM 100, You can recommend transactions using My Number. The registration and use can be recommended by determining the presence or absence of the registration, and the registration and use by more traders can be promoted with high efficiency.

  Therefore, according to the automatic transaction system 200 including the ATM 100 of the present embodiment, it is possible to easily register the transaction identification data with a financial institution or the like, and it is possible to improve transaction safety and shorten the transaction time. Become.

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

  In the above embodiment, the host computer 300 has been described with respect to an example in which the transaction account identification information is specified, the PIN number is determined, the transaction identification information is determined, and the transaction permission is determined. The identification of the transaction account identification information, the personal identification number, the transaction identification information, and the transaction permission determination may be performed in the ATM 100. In this case, the customer information DB 400A is provided in the ATM 100, and the ATM 100 can execute the control routine without receiving account data from the outside.

  Moreover, although ATM was demonstrated to the example, the said structure and transaction control routine are applicable also in automatic transaction apparatuses and automatic transaction systems, such as cash automatic payment machines other than ATM.

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

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

  For example, the trader identification data may be a license number, passport number, insurance card number, resident card code, social security number, or the like. The trader identification data may be an identifier as a trader of the user himself / herself, not an identifier as a trade account on the specific financial institution side.

  In addition to the input by the touch pad 14B, the transaction identification data is information recorded on the IC chip for the medium such as My Number Card, My Number Notification Card, License, Passport, etc., which is the medium carrying the transaction identification data. Alternatively, it may be acquired by reading a code such as a QR code (registered trademark) or acquiring imaging data (imaging input). Moreover, the information regarding the medium carrying the transaction identification data captured by the reading or the imaging input can be used as the identification document of the transaction.

  As described above, according to the automatic transaction apparatus, automatic transaction system, and automatic transaction program of the present invention, in addition to the identifier determined by the financial institution, it is personal correspondence data that is not inherently involved in the financial institution. By utilizing the trader identification data, it is possible to register specific trader identification data and promote the increase in the number of traders who register the specific trader identification data. Therefore, it is possible to provide an automatic transaction apparatus, an automatic transaction system, and an automatic transaction program that can improve the safety of transactions and reduce the time required for transactions.

100 ATM
DESCRIPTION OF SYMBOLS 200 Automatic transaction system 300 Host computer 400 CRM server 400A Customer information database 11 Control part 11A Display control part 11B Information taking-in part 11C Collation determination part 12 Communication part 13 Storage part 14 User interface part 14A Display 14B Touchpad 20 Card reader / printer 21 Card insertion outlet 22 Imaging input section

Claims (17)

An automatic transaction apparatus that manages account transaction processing with the above-mentioned transaction through a transaction account designated by the transaction,
Account data holding means for holding, as first account data, correspondence relationship between trading account specifying information for specifying a trading account for each trader and a password corresponding to each of the trading account specifying information;
Data fetching means for fetching the trading account identification information and password specified in accordance with the input operation;
Collation determination means for determining whether or not the correspondence relationship between the transaction account specifying information and the personal identification number fetched by the data fetching means matches the correspondence relation held by the account data holding means;
A transaction identification data requesting means for requesting an operation input of at least one type of transaction identification data corresponding to each of the transactions when the correspondence of the correspondence relationship is determined,
The data capturing means captures data input by an input operation in response to the request as the transaction identification data,
The said account data holding | maintenance means hold | maintains the correspondence of the said transaction account specific information and the said said trader identification data taken in as 2nd account data, The automatic transaction apparatus characterized by the above-mentioned. The verification determination unit determines whether or not the account data holding unit holds the second account data;
If it is determined that the second account data is not held,
2. The automatic transaction apparatus according to claim 1, wherein the trader identification data requesting unit requests an operation input of the at least one kind of trader identification data. The verification determination unit determines whether or not the account data holding unit holds the second account data;
3. The automatic transaction apparatus according to claim 1, further comprising an account transaction process execution unit configured to execute the account transaction process when it is determined that the second account data is retained. When the account data holding means holds the second account data at the start of the transaction,
The trader identification data request means requests an operation input of the trader identification data,
The data capturing means captures data input as trader identification data by an input operation in response to the request,
The collation determination means includes a correspondence relationship between the captured transaction account specifying information and a personal identification number, and the captured transaction account specifying information and the data input as the acquired transaction identification data. Determining whether the correspondence relationship in the retained first account data and the retained second account data matches,
The automatic transaction apparatus according to any one of claims 1 to 3, further comprising an account transaction processing execution unit configured to execute the account transaction processing when the correspondence relationship is determined to be coincident.   The collation determination means determines whether or not the trader identification data is taken into the data take-in means, and when it is determined that the trader identification data is not taken, the account transaction process The automatic transaction apparatus according to any one of claims 1 to 4, wherein the transaction is not started or stopped. The trader identification data request means requests operation input by designating at least one kind of trader identification data,
A transaction identification data determining means for determining whether the acquired transaction identification data is the designated transaction identification data;
The said account data holding means hold | maintains said 2nd account data, when it determines with it being the said designated transaction identification data, The any one of Claim 1 thru | or 5 characterized by the above-mentioned. Automatic transaction equipment.   7. The trader identification data according to any one of claims 1 to 6, wherein the trader identification data is one or more identification data selected from a plurality of types of identification data corresponding to each of the traders. The automatic transaction apparatus described. The trader identification data request means requests selection input for one or more kinds of trades,
The said collation determination means determines whether the said account transaction process is performed according to the transaction classification selected according to the said request | requirement, The any one of Claim 1 thru | or 7 characterized by the above-mentioned. Automatic transaction device. An input unit and medium reading means;
3. The transaction identification data is fetched by fetching input operation information via an input unit and reading electronic data or a code carried on a medium via a medium reading unit. 9. The automatic transaction apparatus according to any one of items 8. Imaging input means for imaging the medium holding the transaction identification data and supplying imaging data of the medium to the data capturing means;
The automatic transaction apparatus according to claim 1, wherein the second account data includes imaging data of the medium. Imaging input means for imaging the medium holding the transaction identification data and supplying imaging data of the medium to the data capturing means;
The automatic transaction apparatus according to any one of claims 1 to 10, wherein the transaction identification data is captured by capturing imaging data supplied from the imaging input means.   The automatic transaction apparatus according to any one of claims 1 to 11, wherein the trader identification data is a personal number or a corporate number of the trader. An automatic transaction system that manages account transaction processing with the transaction through a transaction account designated by the transaction,
Account data holding means for holding, as first account data, correspondence relationship between trading account specifying information for specifying a trading account for each trader and a password corresponding to each of the trading account specifying information;
Data fetching means for fetching the trading account identification information and password specified in accordance with the input operation;
Collation determination means for determining whether or not the correspondence relationship between the transaction account specifying information and the personal identification number fetched by the data fetching means matches the correspondence relation held by the account data holding means;
A transaction identification data requesting means for requesting an operation input of at least one type of transaction identification data corresponding to each of the transactions when the correspondence of the correspondence relationship is determined,
The data capturing means captures data input by an input operation in response to the request as the transaction identification data,
The said account data holding | maintenance means hold | maintains the correspondence of the said transaction account specific information and the said said trader identification data taken in as 2nd account data, The automatic transaction system characterized by the above-mentioned. The automatic transaction system according to claim 13,
Including at least one automatic transaction device;
The verification determination unit determines whether or not the account data holding unit holds the second account data;
When it is determined that the second account data is not retained,
The transaction identification data requesting means of the automatic transaction apparatus requests operation input of the transaction identification data by another means that is not an automatic transaction apparatus in the automatic transaction system. A program that is executed by a computer of an automatic transaction apparatus that manages account transaction processing with the transaction through a transaction account designated by the transaction,
A first account data holding step in which account data holding means holds, as first account data, a correspondence relationship between trading account specifying information for specifying a trading account for each trader and a corresponding personal identification number;
A data fetching step in which the data fetching means fetches the trading account specifying information and the personal identification number designated in accordance with the input operation;
Collation for determining whether or not the correspondence relationship between the transaction account specifying information and the personal identification number fetched in the data fetching step matches the correspondence relationship held in the account data holding step. A determination step;
When the matching is determined to match in the collation determination step, the trader identification data requesting means requests trader identification for requesting operation input of at least one kind of trader identification data corresponding to each of the traders. A data request step;
A transaction identification data capturing step in which the data capturing means captures data input by the input operation according to the request in the transaction identification data requesting step as the transaction identification data;
Second account data holding, wherein the account data holding means holds, as second account data, a correspondence relationship between the trading account specifying information and the trader identification data fetched in the trader identification data fetching step. Steps,
An automatic transaction program characterized in that An automatic transaction apparatus that manages account transaction processing with the above-mentioned transaction through a transaction account designated by the transaction,
A trading account fetching means for fetching trading account specifying information for specifying a trading account designated by the trader;
Trader identification data requesting means for requesting input of at least one kind of trader identification data corresponding to the trader;
Trader identification data fetching means for fetching data input in response to the request as the trader identification data;
An automatic transaction apparatus comprising: account data holding means for associating the transaction account specifying information with the captured transaction identification data and holding the transaction identification data as transaction identification account data. An input unit and medium reading means;
The trader identification data fetching means fetches the trader identification data by fetching data via an input unit or reading electronic data or a code carried on a medium via a medium reading means. The automatic transaction apparatus according to claim 16.

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