JP2632468B2 - Automatic transaction equipment - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus installed in a financial institution or the like, and in particular, notifies an accident account to a host computer connected via a communication line and registers an accident in a customer file. Automatic transaction device.

[0002]

2. Description of the Related Art A conventional automatic transaction apparatus executes payment processing, deposit processing, bookkeeping processing, balance inquiry processing, and transfer processing by a customer operation. In this case, a transaction card such as a cash card or a passbook is used. There is a need.

[0003] When a transaction card, a seal, or a passbook is lost or stolen, a customer has conventionally reported the loss to a counter of a financial institution or the like, thereby allowing an employee or the like to use an internal terminal to operate a host computer. Is notified of the accident account, and the accident is registered in the account of the corresponding customer in the customer file on the host side. Also, when the finder who picked up the transaction card etc. delivered the transaction card etc. to the above window,
Similarly, accident registration is performed on the customer's account in the customer file by operating a terminal such as a staff member.

[0004]

However, if a transaction card or the like is lost or stolen, if the financial institution is closed for a holiday or the window is closed, the next day, etc. It is not possible to report an accident such as loss of a transaction card until the window service is started. For this reason, there is a risk that a third party may withdraw cash from the customer's account using the transaction card, passbook, or seal before the customer reports the accident. The present invention has been made in order to solve such a problem, and when an accident such as loss of a transaction card occurs, a customer or a finder who picked up a transaction card or the like operates and registers an accident in a customer's account. It is an object of the present invention to provide an automatic transaction device capable of causing an automatic transaction to be performed.

[0005]

An automatic transaction apparatus according to the present invention comprises: an accident registration selection display control means for displaying a screen for selecting whether to register a customer's account as an accident account on a display unit; Medium insertion guide means for displaying a screen for prompting the user to insert the transaction medium into the device when registration as an accident account is selected; and when the transaction medium is inserted, at least the inserter of the transaction medium is a customer and a finder. And an accident content selection display control means for selectively displaying the accident content including the content to be determined on the display unit, and prompting the display unit to input a password when the inserter is determined to be a customer by selecting the accident content. A password input guidance control means for displaying a screen, and a confirmation screen display control for displaying a confirmation screen for accident registration on the display unit when the password inputted from the transaction medium matches the inputted password. And an accident account notifying means for transmitting a message instructing the host computer to register an accident account to the host computer when the customer confirms the accident registration or when the inserter is determined to be the finder by selecting the accident contents; and When the inserter is determined to be the founder by selection, a medium taking-in means for taking in the transaction medium inside is provided.

[0006]

[Action] The accident registration selection display control means displays a selection screen for accident account registration on the display unit, and when this registration is selected,
The medium insertion guiding means causes the display unit to display a screen for prompting insertion of the transaction medium. When the transaction medium is inserted, the accident content selection display control means causes the display unit to selectively display the accident content. If the inserter is determined to be a customer based on the selected accident content, the password input guidance control means displays a screen prompting the input of a password on the display unit. If the password of the transaction medium matches the input password, the confirmation screen display control means causes the display unit to display a confirmation screen. If the customer confirms, or if the inserter is determined to be the finder, the accident account notifying means transmits an accident account registration instruction message to the host computer. If the inserter is the finder, the medium take-in means takes in the transaction medium.

[0007]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a functional block diagram of the automatic transaction apparatus according to the present invention, and FIG. 2 is a block diagram of the automatic transaction system. FIG. 3 is a perspective view of the automatic transaction apparatus. First, in FIGS. 2 and 3, reference numeral 1 denotes an automatic transaction apparatus, and the automatic transaction apparatus 1 includes a main control unit 2.
The main control unit 2 controls a processing unit described below and controls the entire automatic transaction apparatus 1. Reference numeral 3 denotes a card reader / writer unit, which reads a customer's personal identification number, account number, and other data from the magnetic stripe of various transaction cards inserted into the card slot 4 (see FIG. 3), and reads the magnetic stripe of the transaction card. Write predetermined data to Reference numeral 5 denotes a storage unit, which is used to temporarily store information, input information, and the like from the center 21. Reference numeral 6 denotes an emboss reader, which optically reads embossed characters and printed characters on the surface of the transaction card and outputs the data as image data. Reference numeral 7 denotes a statement slip printer unit, which has a foldable receipt sheet and an auxiliary receipt sheet, and includes a feeding mechanism for these sheets, a print head, a cutter, and the like.
Reference numerals 8 and 9 denote a banknote pay-in / pay-out machine and a coin pay-in / pay-out machine. It is discharged from the bill receiving / dispensing port 10 or the coin receiving / dispensing port 11 (see FIG. 3).

Reference numeral 12 denotes a bookkeeping machine, and a passbook insertion / ejection port 13
The transaction amount is printed on the inserted passbook (see FIG. 3) and discharged after the transaction is completed. 14 is a voice guidance unit,
It is used for giving voice guidance to the customer about operation processing and the like. Reference numeral 15 denotes a CRT display, and a display control unit 16
A display unit is configured together with the display unit (see FIG. 1), and is used when displaying instructions and messages necessary for the operation of the customer, when displaying payments, withdrawals, and other amounts. On the CRT display 15, a touch panel 17 is provided. The touch panel 17 is used when the customer inputs a personal identification number, confirmation, and the like with a finger. In FIG. 3, reference numeral 18 denotes a receipt discharge port, which is used for discharging a statement slip.

The communication control unit 1 connected to the main control unit 2
9 is a communication control unit 2 of the center 21 via the communication line 20.
2 are connected. These communication controllers 19 and 22 control transmission and reception of messages. The host computer 23 of the center 21 controls each unit in the center 21, for example, retrieves customer account data from a customer file 25 via a file control unit 24 and instructs writing of predetermined data.

In the automatic transaction apparatus 1 again, the main control unit 2
Is, as shown in FIG.
And medium insertion guide means 27. The accident registration selection display control means 26 sets the customer account as an accident account in the center 2
Screen data for allowing the user 1 to select whether to register is supplied to the display control unit 16. Upon receiving the accident registration selection screen data, the display control unit 16 controls the CRT display 15 to determine whether to select “accident account registration” on the first transaction selection screen as shown in FIG. Display. The customer or the locator of the transaction card etc.
Is pressed to select "accident account registration", this selection signal is supplied to the medium insertion guide means 17. Upon receiving the selection signal, the medium insertion guiding means 17 displays screen data for prompting insertion of a transaction card or a passbook as a transaction medium.
To supply. Upon receiving the screen data, the display control unit 16 controls the CRT display 15 to display a screen for prompting insertion of a transaction medium, as shown in FIG.

The main control section 2 has an accident content selection display control means 28, a password input guidance control means 29, and a confirmation screen display control means 30. When the card reader / writer unit 3 detects a transaction card or the bookkeeping machine 12 detects a passbook and a medium detection signal is supplied, the accident content selection display control means 28 displays screen data indicating the accident content on the display control unit. 16. That is, upon receiving the medium detection signal from the bookkeeping machine 12, the accident content selection display control means 28 judges that the transaction card or the seal has been lost or stolen, or that the found passbook has been inserted, and Is supplied to the display control unit 16. Upon receiving the screen data, the display control unit 16 controls the CRT display 15 to cause the transaction card or the seal to be lost or stolen and to select the passbook that has been found, as shown in FIG. 6C. Is displayed on the screen.

On the other hand, when a medium detection signal is received from the card reader / writer unit 3, the accident content selection display control means 2
8 indicates that the passbook has been lost or stolen, or that the personal identification number of the transaction card has been disclosed to a third party, or that the transaction card that has been found has been inserted, Is supplied to the display control unit 16. Upon receiving the screen data, the display control unit 16 controls the CRT display 15 to select the lost or stolen passbook, the disclosure of the personal identification number, and the found transaction card as shown in FIG. 6 (D). Display the accident details to be displayed on the screen.

[0013] The customer presses the touch panel 17, and FIG.
(C) "Lost or stolen card", "Lost or stolen seal", or "Lost or stolen passbook" in FIG. 6D, "Password to person" When any one of "known" is selected, this selection signal is supplied to the password input guidance control means 29. Upon receiving this selection signal, the password input guidance control means 29 determines that the inserter is a customer, and supplies screen data for prompting the input of a password to the display control unit 16. Upon receiving the screen data, the display control unit 16 displays a screen for prompting the input of the personal identification number together with the numeric keypad display as shown in FIG.

When the customer presses the touch panel 17 using the numeric keypad display, the confirmation screen display control means 30 receives the password (data), and the control means 30 reads the password by the card reader / writer unit 3 or the bookkeeping machine 12. Import the transaction card or passbook PIN. Then, the confirmation screen display control means 30 determines whether or not the passwords match, and if the passwords match, it is possible to confirm that the customer is the person himself / herself. Therefore, the confirmation screen display control means 30 includes the account number data read from the transaction card or passbook. The confirmation screen data is supplied to the display control unit 16. Upon receiving the confirmation screen data, the display control unit 16 displays a confirmation screen indicating that the account number is an accident account, as shown in FIG. 6 (F).

Further, the main control unit 2 includes an accident account notifying unit 31.
have. This accident account notification means 31 is provided in FIG.
When the customer selects “confirmation” on the confirmation screen of (F) and presses the touch panel 17, an instruction message for accident account registration is created by this selection signal, and this instruction message is transmitted to the center 21 via the communication control unit 19. It is transmitted to the communication control unit 22. The instruction message for accident account registration includes data indicating a password, a customer name, an account number, an account type, and the like. Therefore,
Upon receiving the instruction message, the host computer 23 of the center 21 supplies the instruction message to the file control unit 24, and the file control unit 24 searches the customer file 25. That is, the file control unit 24 specifies the customer's account based on the password or the like, and registers data indicating the accident account in this account data. Then, when the accident account registration is completed, the host computer 23 transmits a message indicating that the account accident registration has been completed to the automatic transaction apparatus 1 side.

On the other hand, on the accident content display screen shown in FIG. 6C or FIG. 6D, "fallen, this passbook has been opened" or "fallen, this card has been opened" is selected. Then, this selection signal is supplied to the accident account notification means 31. Upon receiving this selection signal, the accident account notification means 31 determines that the transaction card or the like has been inserted by the finder, and creates the above-mentioned accident account registration instruction message based on the data read from the transaction card or the like. Similarly to the host computer 23 of the center 21. Center 21
Upon completion of the account accident registration as described above, the side transmits a message indicating the end to the automatic transaction apparatus 1 side.

As described above, the accident account notifying means 31 supplies a medium take-in signal to the medium take-in means 32 when it judges that the transaction card or the like has been inserted by the finder and receives an end message of the accident registration. . The medium taking-in means 32 includes a medium carrying mechanism for carrying and taking in the transaction card from the card reader / writer unit 3 and the passbook from the bookkeeping machine 12, and a stacker for accommodating the transaction card or the passbook. Then, when receiving the medium take-in signal, the medium take-in means 32 starts its operation, transports the transaction card or passbook, takes it into the stacker, and accommodates it. When the operation of loading the transaction card or the like is completed, the main control unit 2 controls the display control unit 16 to
The T display 15 displays a screen showing thanks to the finder.

When registration of an accident account is selected by the customer himself and a message indicating the end of the registration is sent from the center 21, the main control unit 2 controls the statement printer unit 7 and The registration-related data is printed on a statement, and the statement is discharged to the customer through the receipt outlet 18 (see FIG. 3). In this case, the account slip registered with the customer's accident number and the accident content, for example, FIG.
When "Lost or stolen transaction card" is selected on the accident content display screen of (C), the details of the accident are printed.

On the other hand, when the statement slip is printed, the statement slip printer unit 7 also prints the same print content on the journal paper, thereby retaining the details of the accident as data, and thereafter performing tallying and the like. Use as data.

Next, the operation of the automatic transaction apparatus 1 according to the present invention will be described with reference to the operation flowcharts of FIGS. First, a transaction selection screen is displayed on the CRT display 15 via the display controller 16 under the control of the main controller 2 (step 1). In this case, the accident registration selection display control means 2
6 supplies screen data for allowing the user to select whether or not to register the account as an accident, to the display controller 16, so that "accident account registration" is selectively displayed on the transaction selection screen as shown in FIG. 6 (A). .

When the customer or the founder selects "accident account registration" (step 2), the medium insertion guiding means 27 supplies screen data for prompting the user to insert a transaction medium, and as described above, FIG. Is displayed (step 3). When the customer or the founder inserts the transaction card or passbook, a medium detection signal is supplied from the card reader / writer unit 3 or the recording machine 12, so that the accident content selection display control means 28 determines that the transaction medium has been inserted (step 4). ) And determine whether the inserted medium is a passbook or a transaction card. That is, when a signal is received from the bookkeeping machine 12, it is determined that the transaction card or the seal has been lost, or that the finder has inserted the passbook, and that the passbook has been inserted (step 5), and the details of the accident shown in FIG. Is displayed (step 6). When a signal is received from the card reader / writer unit 3, it is determined that the transaction card has been inserted by determining that the passbook has been lost or the transaction card of the finder has been inserted (step 5), and the accident shown in FIG. A screen showing the contents is displayed (step 7).

When the customer selects the loss of the card or seal in FIG. 6C, the loss of the passbook in FIG. 6D, or the disclosure of the personal identification number, the personal identification input guidance control means 29 sets the transaction medium inserter. Is determined to be a customer (step 8), and FIG.
A screen prompting the user to enter a password of (E) is displayed (step 9). When the customer enters the PIN (step 1
0), the confirmation screen display control means 30 compares the input personal identification number with the personal identification number read from the transaction medium, and when both the personal identification numbers match (step 11), displays the confirmation screen shown in FIG. Step 12).

When the customer selects confirmation (step 1)
3), the accident account notifying means 31 creates an instruction message for accident account registration, and transmits the instruction message to the center 21 (step 14). When the accident account registration is completed and a message indicating the end is received from the host computer 23 of the center 21 (step 15), the main control unit 2 controls the statement slip printer unit 7, so that the accident account and the accident Since the statement with the contents printed is issued and discharged (step 16), the customer determines that the accident registration processing of the accident account has been completed.

On the other hand, in step 8,
If you select (C) or find the transaction medium in FIG. 6 (D),
The accident account notification means 31 determines that the transaction medium has been inserted by the finder (step 17), creates an instruction message for accident account registration, and transmits this instruction message to the center 21 (step 18). When the accident account registration is completed and a message indicating the end is received from the host computer 23 of the center 21 (step 19), a medium take-in signal is supplied from the accident account notifying means 31, so that the medium take-up means 32 And the transaction medium is stored in the stacker (step 2).
0). Next, the CRT display 15 is
A screen showing thanks to the finder is displayed (step 21), and the account accident registration process is terminated.

[0025]

As described above, according to the present invention,
When the customer or the finder of the transaction medium operates based on the guidance display on the display unit, the accident can be registered in the customer's account via the host computer, so that the financial institution is closed or its window business Even if the transaction has been completed, it is possible to register an accident in the account as long as the automatic transaction device is operating. Therefore, it is possible to provide an automatic transaction apparatus that can effectively prevent illegal withdrawal of cash and can reduce the number of window operations.

[Brief description of the drawings]

FIG. 1 is a functional block diagram of an automatic transaction apparatus according to the present invention.

FIG. 2 is a block diagram of an automatic transaction system according to the present invention.

FIG. 3 is a perspective view of the automatic transaction apparatus according to the present invention.

FIG. 4 is an operation flowchart (1) according to the present invention.

FIG. 5 is an operation flowchart (2) according to the present invention.

FIG. 6 is a diagram showing an example of various display screens according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Main control part 3 Card reader / writer unit 7 Statement printer unit 12 Bookkeeping machine 15 CRT display 16 Display control part 17 Touch panel 23 Host computer 26 Accident registration selection display control means 27 Medium insertion guidance means 28 Accident content selection display Control means 29 Password input guidance control means 30 Confirmation screen display control means 31 Accident account notification means 32 Medium take-in means

Claims (1)

(57) [Claims] 1. An automatic transaction apparatus connected via a host computer to a customer file containing customer account data, wherein the automatic transaction apparatus has a display unit for selecting whether or not to register the customer account as an accident account. Accident registration selection display control means for displaying a screen, medium insertion guide means for displaying a screen for prompting insertion of the transaction medium into the device when registration as an accident account is selected, and the transaction medium is inserted. In the case where it is performed, at least the accident content selection display control means for selectively displaying the accident content including the content of determining whether the inserter of the transaction medium is a customer or a finder on the display unit; When the inserter is determined to be a customer, a password input guidance control means for displaying a screen prompting input of a password on the display unit, and a password read from the transaction medium. Confirmation screen display control means for displaying a confirmation screen of accident registration on the display unit when the inputted password matches, and when the customer confirms the accident registration or selection of the accident contents, If determined, an accident account notifying means for transmitting a message instructing the host computer to register an accident account for the account, and when the inserter is determined to be a finder by selecting the accident content,
An automatic transaction apparatus comprising: a medium taking means for taking the transaction medium into the inside.