JPS61253580A - Account designating system by identification card - Google Patents

Abstract

PURPOSE:To enable a customer to perform the transactions of all his/her accounts just with a single sheet of an identification ID card, by extracting all account numbers of the customer out of a file and sending them to an automatic transaction equipment through a central processor. CONSTITUTION:The identification number, the key account number, etc. of an ID card are read by a card reader 2. The identification number supplied through an input operation part 5 is collated with the identification number read at a window main control part 11. While the key account number is sent to a center via a communication controller 12 and a transmitter/receiver 13. A central processor 16 extracts all accounts numbers of a customer out of a file 17 via a transmitter/receiver 14 and a communication controller 15 and displayed on a customer CRT 4 and a teller CRT 7 together with the account names and the item numbers. An item number corresponding to the account number used for transaction is supplied through the part 5 for designation of an account. Then various processes including the processing of a bankbook inserted through a bankbook slot 6, the reception/payment of cash, etc. are carried out by a cash reception/payment machine 9, a bankbook processor 10, etc.

Description

[Detailed Description of the Invention] [Industrial Application Field] The present invention provides an I
This invention relates to an account designation method using an ID card that allows transactions such as deposits and withdrawals to be made arbitrarily by designation using a D card.

[Conventional technology]

In financial institutions, especially banks, transactions with customers are categorized into categories according to their accounts, and these categories include ordinary accounts, term accounts, general accounts, etc. One customer often has multiple accounts.

On the other hand, in order to save labor at counter operations, banks have installed automatic transaction devices at branches and at teller counters that allow customers to make deposits and withdrawals by their own operations. In order to perform transactions such as deposits and withdrawals using transaction devices, banks issue CD cards to customers in addition to passbooks. #) This corresponds to one account number of one customer.

[Problem that the invention seeks to solve]

Therefore, in the past, in order to allow a customer with multiple accounts to use a CD card to perform withdrawal transactions for all accounts, the same number of cards as the customer's accounts were required, which caused various problems. was occurring.

For example, from the viewpoint of financial institutions such as banks, the number of cards issued increases, and on the customer side, it is necessary to remember the PIN number for each card, and there is also a risk of accidentally inserting a card, for example, a regular account card. There are cases where a card from another account is inserted into the slot of a card reader when the card should be inserted into the slot of the card reader.

The present invention was made in order to solve such problems, and realizes a new account designation method using an ID card that can solve various problems caused by one customer having multiple CD cards. The purpose is to

[Means for solving problems]

In order to achieve the above-mentioned object, the present invention uses an ID card, which records the personal identification number, representative account number, etc. of a customer who has multiple accounts, in place of the conventional CD card, and also uses an ID card at a store or a counter where a teller is present. All account numbers held by each customer are stored in a file in the central processing unit connected to the installed automated teller machine, and the ID card is inserted into the card slot of the automated teller machine and the password is entered by a card reader. Read numbers, account numbers, etc. If the customer's identity is verified by comparing the read PIN with the PIN entered by the customer on the input operation section of the automatic transaction device, the representative account number is sent to the central processing unit, and the central processing unit All account numbers held by the customer are extracted from the file and sent to the automatic transaction device.

[Effect]

According to the above-described means, subsequent transaction processing can be performed by specifying the customer's account number sent from the central processing unit in two steps.

One is to display all the account numbers held by the customer on the customer's display or on both the customer's and teller's displays, and the customer can specify the account number himself using the input operation section, or At the customer's request, the teller specifies the location using the keyboard.

In addition, among the account numbers that the customer has,
The representative account number recorded on the XD card will be displayed on the display, and if a transaction is to be made with this representative account number, the teller will subsequently process the transaction with the customer or at the customer's request, and will not be able to make transactions with other account numbers. In this case, the customer or the teller performs a withdrawal operation from another account, displays the customer's other account number on the display, and designates the desired account.

Therefore, according to this, a customer with multiple accounts will receive one I
The D card enables people to withdraw money from all accounts, and solves the problems associated with issuing multiple cards. - [Example] An example will be described below with reference to the drawings.

Figure 1 shows the first method of specifying an account using an ID card according to the present invention.
FIG. 2 is a functional block diagram of a system implementing the present invention, and FIG. 3 is a perspective view showing an example of an automatic transaction device configured as a teller counter.

First, in FIGS. 2 and 3, 1 is a teller counter installed at a counter in a store, and on the customer side of the teller counter 1 there is a card insertion slot 3 of a card reader 2 and a customer display (hereinafter referred to as CRT). ) 4, an input operation section 5 such as a bin pad or touch panel, a passbook insertion/ejection port 6, etc. are provided, and the teller side is provided with a teller display (hereinafter referred to as CRT) 7, a keyboard 8, etc. Furthermore, devices necessary for automatic transactions such as the cash dispensing machine 9 and the passbook processing device 10 are arranged at predetermined positions.

These devices are connected to the counter main control section 11,
This counter main control unit 11, communication control device 12, and transmitter/receiver 1
3, the automatic transaction device on the store side is configured.

14 is a transmitter/receiver on the center side connected to the transmitter/receiver 13, and the center also has a communication control device 1 connected to the transmitter/receiver 14.
A central processing unit 16 and a file 17 connected to the central processing unit 16 are provided.

In this embodiment, the account numbers of all customers are stored in the file 17 for each customer, an example of which is shown in FIG.

As seen in this figure, in the case of customer A who has multiple accounts, the number of one of the multiple accounts, for example, the account number of the ordinary account, is used as the representative account number, and along with this representative account number, other Account numbers, such as regular account numbers, are stored together.

In addition, in this embodiment, the card issued by the bank to customer A, that is, the card issued to a customer with multiple accounts, is an I.
This is a registered ID card, and in addition to the personal identification number and representative account number, the customer's name, store number, etc. are recorded by magnetic recording or the like.

Next, the account designation procedure will be described with reference to the flowchart shown in FIG.

First, when a customer inserts an ID card through the card insertion slot 3, the card reader 2 reads the ID card's password, representative account number, etc., and sends it to the counter main control section 11 as customer information.

Next, when the customer inputs a PIN number using the input operation unit 5, the input PIN number is sent to the counter main control unit 11 and compared with the PIN read by the card reader 2, thereby verifying the customer's identity. be exposed.

Here, if the input password and the read password do not match, the customer is prompted to input the password again through the CRT 4.

If the PIN numbers match and the identity of the person is confirmed, the representative account number read by the card reader 2 is sent to the counter main control unit 1.
1 to the center via the communication control device 12 and transceiver 13.

At the center, the central processing unit 16 receives the representative account number from the customer via the transceiver 14 and the communication control device 15.
As a result, the central processing unit 16 extracts all account numbers held by the customer from the file 17, and the communication control unit 1
5. Transmit to the counter main control unit 11 through the transceiver 14° 13 and communication control device 12.゛The account number thus sent to the teller main control unit 11 is sent to the customer's CRT 4 or the CRT 4 and the teller's CRT 7.
will be displayed along with the account name and its item number. An example of the display is shown in FIG.

Here, the customer looks at the account number displayed on the CRT4,
Either the item number corresponding to the account number used for the transaction is input through the input operation section 5 to specify the account, or the item number is conveyed to the teller and the teller specifies the locus by inputting it from the keyboard 8.

From then on, the customer or a teller who has received a verbal request from the customer performs the bookkeeping process for the passbook that has been inserted in advance from the passbook insertion/output port 6, deposits and withdrawals of cash, etc. Each process is performed by the deposit/withdrawal machine 9, passbook processing device, etc.

Figure 6 shows the second method of specifying an account using an ID card according to the present invention.
FIG.

This second embodiment is similar to the first embodiment in terms of its device configuration and the use of an ID card, but differs from the first embodiment in the account designation procedure and its control in the following points. ing.

That is, the procedure in which the account number of the customer whose identity has been verified in FIG. Only the representative account number of the customer is displayed on the CRTs 4 and 7.

Here, when the customer performs a transaction using the account with this representative account number, the subsequent transaction processing is performed by the customer himself or the teller.

On the other hand, if you use an account number other than the representative account number,
By pressing other keys for withdrawing accounts provided on the input operation section 5 or the keyboard 8,
4 and 7, the customer's account number is displayed along with the account name and item number.

Therefore, the customer or teller looks at the CRT 4 or 7 and uses the input operation section 5 or the keyboard 8 to specify the location.

Incidentally, in each of the above-described embodiments, the verification of the personal identification number was described as being performed by the counter control section, but it is also possible to perform verification by the central processing unit 16.

In addition to the automatic transaction device installed at the teller counter 1, it may also be a device that does not include a CRT 7 or a keyboard 8, which is used for so-called ATM tellers installed at stores or outside stores, and in this case, only the customer can operate the automatic transaction device. All you have to do is specify the account.

Furthermore, although the above embodiment describes the case where one customer has multiple accounts, a customer who only has a single account can use the automatic transaction device with a CD card as before. is possible. The present invention can be implemented using a conventionally used CD card system.

〔Effect of the invention〕

As explained above, the present invention reads information such as a personal identification number and representative account number recorded on the ID card of a customer who has multiple accounts with a card reader of an automatic transaction device, and uses an input operation section to read information such as a personal identification number and representative account number recorded on the ID card of a customer who has multiple accounts. If the number and the PIN read by the card reader are matched and the identity is confirmed, the representative account number is sent to the central processing unit, and the central processing unit extracts the file from the customer. All account numbers are copied onto a CRT, and any account number used for a transaction is specified by the customer or by a teller requested by the customer. You will be able to trade on all your accounts.

Therefore, financial institutions such as banks can reduce the number of cards issued to customers, and customers can use one card to conduct transactions for all their accounts and only need to remember one PIN number. In addition, there is an effect that various problems that conventionally occur when issuing multiple cards to one customer can be solved, such as eliminating incorrect card insertion.

[Brief explanation of drawings]

Figure 1 shows the first method of specifying an account using an ID card according to the present invention.
FIG. 2 is a functional block diagram of a system implementing the present invention, FIG. 3 is a perspective view of an example of an automatic transaction device used in the present invention, and FIG. 4 is a diagram showing customer account numbers in the present invention. FIG. 5 is an explanatory diagram showing an example of a CRT display according to the present invention, and FIG. 6 is a flowchart showing a second embodiment. 2...Card reader 3...Card insertion slot 4...
・Customer display (CRT) 5...Input operation section 7
... Teller display (CRT) 8 ... Keyboard 11 ... Counter main control unit 16 ... Central processing unit 17 ... File patent applicant Takashi Kanakura, patent attorney representing Oki Electric Industry Co., Ltd. 2 Flowchart of the 1st CI Example 11m File example of customer account number 4[i Account name CRT display example 5- Flowchart of the 2nd Example 6 =

Claims (2)

[Claims] 1. If a customer of a financial institution, etc. has multiple accounts, this method allows the customer to specify the account to use for transactions such as deposits and withdrawals using a card for automatic transaction devices issued by the financial institution, etc. It has a card reader, a customer display, an input operation section for customers to enter information necessary for transactions, and other mechanisms necessary for automatic transactions, or in addition to these, a teller display and a keyboard. and a file connected to the automatic transaction device via a central processing unit. A card to be issued to a customer who has an ID card is used as an ID card, and the account number of one of the plurality of accounts is used as a representative account number.This account number and PIN number are recorded on the ID card, and transactions are performed. When doing so, if the customer's identity is verified by reading the PIN number and representative account number recorded on the customer's ID card with the card reader, and comparing the read PIN number with the PIN entered from the input operation section, The automatic transaction device sends the representative account number to the central processing unit, the central processing unit extracts all account numbers held by the customer from the file, and displays all the extracted account numbers on the customer display and teller display. An account specification method using an ID card, which is characterized in that the account number to be used for the transaction is specified by displaying it on one or both of the following and using an input operation section or a keyboard. 2. If a single customer of a financial institution has multiple accounts, this is a method for the customer to designate the account for transactions such as deposits and withdrawals using a card issued by the financial institution for automatic transaction devices. , a card reader, a customer display, an input operation section for customers to enter information necessary for transactions, and other mechanisms necessary for automated transactions, or in addition to these, a teller display, keyboard, etc. and a file connected to the automatic transaction device via a central processing unit, the file stores the account numbers of all customers for each customer, and allows customers with multiple accounts from financial institutions to be stored in the file. The card issued to the bank shall be an ID card, and the account number of one of the plurality of accounts shall be the representative account number, and this account number and PIN number shall be recorded on the ID card, and when making a transaction, , when the customer's identity is verified by reading the PIN number and representative account number recorded on the customer's ID card with the card reader, and comparing the read PIN number with the PIN entered from the input operation section, automatic The transaction device sends the representative account number to the central processing unit, the central processing unit extracts all account numbers held by the customer from the file, and among the extracted account numbers, the representative account number is displayed on the customer display. is displayed on one or both of the teller displays, and when a transaction is not to be made using the representative account number, another account number is displayed on the display by operating the input operation section or keyboard, and the account number to be used for the transaction is displayed. An account designation method using an ID card, which is characterized by designating an account.