JP2007079965A - Transaction system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a transaction system preventing an illegal transaction of an automatic cash transaction device or the like, and minimizing damage even when suffering from the illegal transaction. <P>SOLUTION: A secret code number necessary for a transaction is reported to a contact point 7 previously registered in the transaction by a dedicated communication line 6. Transaction information of the transaction is reported to a plurality of previously registered contact points 7 by a public communication line 6. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a transaction system that prevents unauthorized transactions such as an automatic teller machine, or minimizes damage even if the transaction is damaged.

  Conventionally, in order to prevent unauthorized transactions using automatic teller machines, etc., the identity verification work immediately before the start of the transaction is a transaction card that is carried by a deposit / savings accountant who is a transaction user and stores record information that identifies the deposit / savings account On the transaction information stored in the storage means of the host computer of a financial institution, etc., or whether the secret code on the medium such as a magnetic card or IC card matches the encryption number entered by the depositor from the input means. The transaction was conducted by confirming the coincidence of the encryption number of the user and the encryption number entered by the deposit / save banker from the input means. In this way, it was not possible to conduct a transaction without verifying the identity by using a transaction card provided by a financial institution and entering a personal identification number. For example, Japanese Patent Laid-Open No. 5-242130 discloses a document using such a technique.

JP-A-5-242130

  However, the above-described conventional technique confirms the coincidence between the PIN number on the medium of a transaction card or the like that is stored by the deposit / saveer and that stores the record information for identifying the deposit / saveer and the encryption number that the deposit / saveer has input from the input means. Automatic transaction because the transaction is performed by confirming the coincidence of the encryption number on the deposit / savings transaction information stored in the storage means of the host computer of a financial institution or the like and the encryption number entered by the deposit / save owner from the input means Using a stolen transaction card or a counterfeited transaction card, you can look into it from behind while operating the device, or guess your password from your birthday, phone number, or car license plate Incidents such as illegal transactions are occurring frequently.

  Further, neither account holders nor their family members know that cash or the like has been illegally traded with a stolen transaction card or a counterfeit transaction card using an automatic cash transaction apparatus or the like. Therefore, criminals conduct fraudulent transactions multiple times and the majority of deposits and savings are withdrawn. As a result, depositors and banks suffered great damage.

  In order to solve the above problems, the present invention stores a transaction apparatus for performing various financial transactions by a user's operation, and record information for specifying a deposit / save holder such as a pre-registered contact information, account information, name, and contact information. A host computer, a transaction card carried by a deposit / save holder, etc. and storing record information such as account information, name and contact information for identifying the deposit / save depositor, a dedicated communication line connecting the transaction apparatus and the host computer, An information transmission device connected to the host computer and a control unit for controlling the host computer, the control unit obtains record information for specifying a deposit / savings person from the transaction card inserted into the transaction device. When the coincidence between the recorded information and the recorded information of the host computer is confirmed, the information transmitting device is registered in advance. And it said to be notified by voice or e-mail means of the mobile terminal device a personal identification number required for the transaction to the contact.

  In addition, another invention stores a transaction apparatus for performing various financial transactions by a user's operation, and a plurality of pre-registered contact information and account information, name and contact information such as name and contact information, etc. A host computer; a transaction card carried by a deposit / savings person and storing record information for identifying the savings / savings person; a dedicated communication line connecting the transaction apparatus and the host computer; and an information transmission apparatus connected to the host computer And a control unit for controlling the host computer, wherein the control unit obtains record information for identifying a deposit / savings person from the transaction card inserted in the transaction apparatus, and the record information and the record of the host computer When a match with the information is confirmed, the information transmission device executes the various financial transactions and the plurality of pre-registered It is characterized in that notifies the transaction information of the transaction 絡先.

  According to the transaction system of the present invention, the host computer notifies the user's pre-registered contact information of the password for each transaction. Therefore, it is possible to prevent illegal transactions using a personal identification number peeped, a personal identification number inferred from a birthday, a telephone number or a license plate of a car, or a stolen transaction card or a counterfeit transaction card.

  In addition, since the transaction information of the transaction is notified to a plurality of pre-registered contacts, even if the transaction card is fraudulently used with a stolen transaction card or a counterfeit transaction card, The previously registered account holder, their family, etc. notice an unnatural transaction from the transaction information of the transaction, and immediately contact the financial institution. Therefore, it is possible to minimize the damage caused by criminals making multiple transactions and withdrawing most of the savings.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
1 is a block diagram of a transaction system according to the present invention, FIG. 2 is a block diagram of an automatic transaction apparatus 1, and FIG. 3 is a flowchart of the transaction system according to the first embodiment of the present invention. FIG. 4 is a flowchart of the transaction system according to the second embodiment of the present invention.

<Example 1>
In FIG. 1, 1 is an automatic transaction apparatus, which is installed in a financial institution such as a bank or a convenience store. The automatic transaction apparatus 1 can perform various financial transactions such as cash deposit transactions, withdrawal transactions, and transfers by user operations.
The automatic transaction apparatus 1 is connected to be communicable through a dedicated communication line 2.

A host computer 3 is installed in an office center of a financial institution such as a bank. When the host computer 3 performs transactions such as depositing into a user's account and withdrawal from the user's account with the automatic transaction apparatus 1, transaction data such as deposit and withdrawal with the automatic transaction apparatus 1 etc. Send and receive.
The host computer 3 is connected to one or more automatic transaction apparatuses 1 through a dedicated communication line 2 so as to be able to communicate with each other.

  The control unit (not shown) of the host computer 3 has a function of reading a contact address registered in advance in the storage unit (not shown) of the host computer 3 when performing various financial transactions such as deposit transactions, withdrawal transactions, and transfers. A random PIN is created for each transaction using a random number table or the like for the read contact information and managed until the transaction ends. The communication device 4 has a function of notifying the contact 7 of a random password using a public line 6 by voice or mail means. Note that the communication device 4 and the storage unit that stores the contact information registered in advance may be incorporated in the automatic transaction device 1 or the host computer 3.

  1 to 2, the automatic transaction apparatus 1 includes a user operation display unit 21, a card reader printer unit 22, a deposit / withdrawal unit 23, a passbook unit 24, and a control unit 25.

The user operation display unit 21 has a touch panel arranged on a display unit such as a display so that the user performs an input operation. Also, the user operation for the transaction selection screen and the transaction selected by the user is performed. And the like, and a screen for performing guidance, etc. and input information are displayed.
The card reader printer unit 22 reads or records user information such as account information, name and contact information from the magnetic stripe or IC chip of the transaction card 5 inserted by the user from the card insertion slot, and records it on the magnetic stripe or the like. The contents of the transaction done by the user are printed on the statement slip. The transaction card 5 that has read the user information is discharged from the card discharge port and returned to the user, and the statement slip printed with the transaction content is discharged from the statement slip discharge port and issued to the user.

  The deposit / withdrawal unit 23 includes a banknote deposit / withdrawal machine and a coin deposit / withdrawal machine, and performs a deposit / withdrawal process for banknotes and coins associated with transactions. Here, the deposit / withdrawal process is to count the banknotes that the user has put in the banknote deposit / withdrawal slot with a banknote deposit / withdrawal machine and store it in the safe, and count the coins entered into the coin deposit / withdrawal slot with the coin deposit / withdrawal machine It is to be stored in a safe.

  Withdrawal processing, banknotes and coins corresponding to the amount specified by the user's operation are sent out from the banknote depositing and dispensing machine and coin depositing and dispensing machine safes, respectively, and transported to the banknote depositing and dispensing slot and coin depositing and dispensing slot. And paying out to users.

  A control unit 25 includes a storage unit 251, a transaction processing unit 252, a communication device unit 253, and the like. The control unit 25 controls the operation of the entire automatic transaction apparatus 1 including the user operation display unit 21, the card reader / printer unit 22, and the deposit / withdrawal unit 23 with software stored in the storage unit 251.

The storage unit 251 is configured by a semiconductor memory, a magnetic disk, or the like, and can store data and read the stored data.
The transaction processing unit 252 is means for executing transactions such as deposit, withdrawal, and transfer performed by the user according to a predetermined procedure.

  The communication unit 253 exchanges transaction messages such as deposit, withdrawal and transfer with the host computer 3 or the like connected via the dedicated line 2. In addition, the information communication device 4 having a function of notifying the contact address read from the database of the storage unit 251 using a random number table or the like for each transaction by voice or mail means is incorporated here. May be.

  The effect | action of the structure mentioned above is demonstrated according to the flowchart of the transaction system of Example 1 of FIG. The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).

  In the first embodiment, record information for specifying a savings account such as account information, name, and contact information is obtained from the transaction card 5 inserted into the transaction apparatus 1, and this record information and account information, name, and contact of the host computer 3 are acquired. In the case where a match with the record information for specifying the depositor / payer is confirmed, the contact number 7 registered in advance is notified of the personal identification number required for the transaction through the public communication line 6.

First, a user registers in advance a record information and a contact information (a mobile phone number or a mobile phone mail address) for specifying a deposit / savings person such as account information, name and contact information in a financial institution or the like.
A financial institution or the like stores in the host computer 3 record information and contact information (mobile phone number or mobile phone e-mail address) that specify the savings and savings such as account information, name and contact information.

FIG. 3 is a flowchart of the transaction system according to the first embodiment, and will be described in accordance with steps represented by ST.
ST301: When a proximity sensor (not shown) of the automatic transaction apparatus 1 detects the approach of a user, the user operation display unit 21 displays a transaction selection screen. The transaction selection screen such as “deposit cash”, “cash payment”, “transfer”, etc. is displayed. Here, it is assumed that the user presses the “Cash Payment” transaction selection button.

  ST302: When the “cash payment” button is pressed by the user, the user operation display unit 21 displays a transaction card insertion guidance screen. This transaction card insertion guidance screen displays a word such as “Please insert a transaction card”.

  ST303: When the transaction card 5 is inserted into the card reader printer unit 22 of the automatic transaction apparatus 1, the card reader printer unit 22 reads account information such as an account number stored in the inserted transaction card, and sends it to the host computer 3. Send. The host computer 3 that has received the user's account information confirms the user's account information and the like and contacts the automatic transaction apparatus 1.

  ST304: A notification selection screen for selecting voice guidance notification or e-mail notification is displayed in the contact information stored in advance in association with the account information on the user operation display unit 21 of the automatic transaction apparatus 1, and when either is selected, automatic Transaction apparatus 1 or host computer 3 determines a random password generated using a random number table or the like and manages it until the end of the transaction.

  ST305: The automatic transaction apparatus 1 or the host computer 3 makes a “cash payment” to the contact card (mobile phone number or mobile phone e-mail address) 7 registered in advance in the transaction card or the host computer 3 via the public line 6. Notify by voice guidance or email with a valid PIN. The user operation display unit 21 displays a password input screen. On the password input screen, a message such as “Please press the password” and a numeric keypad from the numbers “0” to “9” are displayed. The user presses the numeric keypad displayed on the user operation display unit 21 and inputs the personal identification number notified. The host computer 3 confirms that the password transmitted from the automatic transaction apparatus 1 is a password that is valid for the “cash payment”.

  ST306: When the password is confirmed by the host computer 3, the transaction processing unit 252 displays on the user operation display unit 21 that the cash corresponding to the withdrawal amount is to be withdrawn on the deposit / withdrawal unit 23.

  ST307: Starting counting of cash and displaying “cash counting” on the user operation display unit 21. The deposit / withdrawal unit 23 collects the counted banknotes and coins at the banknote deposit / withdrawal port and the coin deposit / withdrawal port, and prepares for discharging to the user.

  ST308: When the deposit / withdrawal unit 23 completes the counting of cash, the transaction processing unit 252 displays items relating to the cash payment statement, and the card reader printer unit 22 prints the transaction contents on the statement and discharges it from the outlet.

  ST309: When the user receives the discharged cash and the statement slip, the cash payment transaction is terminated.

<Example 2>
Next, Example 2 will be described. In addition, about the thing which has the same structure as Example 1, the description is abbreviate | omitted by providing the same code | symbol. Explanation of the same operations and effects as those of the first embodiment is also omitted.

  This will be described with reference to the flowchart of the transaction system of the second embodiment shown in FIG. The operation of each unit described below is controlled by a control unit (not shown) based on a program (software) stored in a storage unit (not shown).

  In the second embodiment, record information for identifying a savings account, such as account information, name and contact information, is obtained from the transaction card 5 inserted into the transaction apparatus 1, and this record information and account information, name and contact information of the host computer 3 are acquired. When the matching of the record information for identifying the depositor / saveper is confirmed, various financial transactions are executed, and the information transmitting apparatus sends the transaction information of the transaction to the plurality of pre-registered contacts 7 through the public communication line 6. It is a notification.

First, the user registers, in advance, record information for specifying a deposit / savings account such as account information, name, and contact information, and a plurality of contacts (such as a mobile phone number or a mobile phone mail address) 7 such as family members, in a financial institution.
A financial institution or the like stores in the host computer 3 account information, name information, record information for identifying a deposit / savings person such as contact information, and a plurality of contacts (mobile phone number or mobile phone mail address) 7 such as family members.

FIG. 4 is a flowchart of the transaction system according to the second embodiment and will be described in accordance with steps represented by ST.
ST501: When a proximity sensor (not shown) of automatic transaction apparatus 1 detects the approach of a user, user operation display unit 21 displays a transaction selection screen. The transaction selection screen such as “deposit cash”, “cash payment”, “transfer”, etc. is displayed. Here, it is assumed that the user presses the “Cash Payment” transaction selection button.

  ST502: When the “cash payment” button is pressed by the user, the user operation display unit 21 displays a transaction card insertion guidance screen. This transaction card insertion guidance screen displays a word such as “Please insert a transaction card”.

  ST503: When the transaction card 5 is inserted into the card reader printer unit 22 of the automatic transaction apparatus 1, the card reader printer unit 22 reads account information such as an account number stored in the inserted transaction card, and sends it to the host computer 3. Send. The host computer 3 that has received the user account information confirms the user account information and contacts the automatic transaction apparatus 1.

  ST504: A notification selection screen for selecting voice guidance notification or e-mail notification is displayed in the contact information stored in advance in association with the account information on the user operation display unit 21 of the automatic transaction apparatus 1, and either is selected.

  ST505: The user operation display unit 21 displays a password input screen. On the password input screen, a message such as “Please press the password” and a numeric keypad from the numbers “0” to “9” are displayed. The user presses the numeric key displayed on the user operation display unit 21 and inputs a password. The host computer 3 confirms that the password transmitted from the automatic transaction apparatus 1 is a password that is valid for the transaction.

  ST506: When the password is confirmed by the host computer 3, the transaction processing unit 252 displays on the user operation display unit 21 that the cash corresponding to the withdrawal amount is to be withdrawn to the deposit / withdrawal unit 23.

  ST507: Starting counting of cash and displaying “cash counting” on the user operation display unit 21. The deposit / withdrawal unit 23 collects the counted banknotes and coins at the banknote deposit / withdrawal port and the coin deposit / withdrawal port, and prepares for discharging to the user.

  ST508: When the deposit / withdrawal unit 23 completes the counting of cash, the transaction processing unit 252 displays items relating to the cash payment statement, and the card reader printer unit 22 prints the transaction contents on the statement and discharges it from the outlet. Further, the transmitting apparatus notifies the transaction information of the transaction including any one of the use date, transaction type, and amount to a plurality of contacts 7 registered in advance.

  ST509: When the user receives the discharged cash and the statement slip, the cash payment transaction is terminated.

It is a block diagram of the transaction system of this invention. 1 is a block diagram of an automatic transaction apparatus 1. FIG. It is a flowchart of the transaction system of Example 1. It is a flowchart of the transaction system of Example 2.

Explanation of symbols

1 Automatic transaction equipment 2 Dedicated communication line 3 Host computer
4 Information transmitter 5 Transaction card 6 Public communication line
7 Contact

Claims (5)

A transaction apparatus that performs various financial transactions by user operation, a host computer that stores pre-registered contact information and record information for specifying a deposit / saveer, and record information that is carried by a deposit / save saver and identifies the deposit / save person A transaction card in which is stored, a dedicated communication line connecting the transaction apparatus and the host computer, an information transmission apparatus connected to the host computer, and a control unit for controlling the host computer,
The control unit obtains record information for specifying a deposit / savings person from the transaction card inserted in the transaction apparatus, and when the record information and the record information of the host computer are confirmed, it is necessary for the transaction. A transaction system for generating a personal identification number, wherein the information transmitting apparatus notifies the contact information registered in advance to the personal identification number necessary for the transaction. The transaction system according to claim 1,
The transaction system characterized in that the means for notifying the personal identification number necessary for the transaction is a voice or mail means of a portable terminal device. A transaction device that performs various financial transactions by user operation, a host computer that stores a plurality of pre-registered contacts and record information for specifying a deposit / save saver, and a deposit / saveer etc. carries it to identify the deposit / save saver A transaction card storing recorded information, a dedicated communication line connecting the transaction device and the host computer, an information transmission device connected to the host computer, and a control unit for controlling the host computer,
The control unit obtains record information for specifying a deposit / savings person from the transaction card inserted in the transaction apparatus, and when the match between the record information and the record information of the host computer is confirmed, the various financial transactions are performed. The transaction system is characterized in that the information transmitting device notifies the transaction information of the transaction to the plurality of contacts registered in advance. In the transaction system of claim 3,
The transaction information of the transaction includes any one of usage date, transaction type, and amount In the transaction system of claim 3,
The transaction system characterized in that the means for notifying the transaction information of the transaction is a mail means.

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