JPH07311809A - Automatic trading device and trading system - Google Patents

Abstract

(57) [Abstract] [Purpose] An automatic transaction device and transaction system including a center that prevents unauthorized withdrawal of a large amount of money by a third party, has high reliability for customers, and has excellent serviceability and crime prevention. [Configuration] When the account balance reaches a predetermined set amount due to deposit or transfer, the center newly opens the account 2 and records the excess amount, and the account excess flag FF is set to the account 1 which has reached the set amount.
(00 for non-exceedment), receive this account excess information, write the account excess information on the transaction card, record the amount below the set amount in multiple accounts with the deposit, and exceed the account balance at the time of payment. A transaction system that controls the termination of the amount entered as abnormal.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device and a transaction system including an automatic cash transaction device (hereinafter referred to as ATM) and an automatic cash payment device (hereinafter referred to as CD), and particularly to enhance an illegal transaction crime prevention function. Regarding things

[0002]

2. Description of the Related Art In recent years, with the rapid spread of automatic transaction devices, it has become possible for customers to perform transactions such as holiday operation and unmanned operation at locations where automatic transaction device personnel are absent. The number of fraudulent transactions using stolen cards and high-value withdrawal crimes is increasing rapidly. As a countermeasure against this, when the security surveillance camera is installed or the card is stolen, the customer is requested to immediately notify the fusion agency.However, the installation of the security surveillance camera may lead to an increase in equipment costs. Unauthorized transactions and accidents of this kind tend to increase.

[0003]

The present invention has been made in view of the above problems. For example, a personal identification number may be a birthday, a telephone number, or an address, which is inferred from the name of a transaction card. At the time of fraudulent withdrawal and payment transactions that are executed by inputting, a single payment limit is set and a large amount of payment is regulated. There was a problem that the balance was completely withdrawn by others. To prevent this, countermeasures such as monitoring the number of payment transactions close to the limit amount performed within a predetermined period or monitoring the total withdrawal amount within a predetermined period can be considered. , The number of payments, the total amount of withdrawals, etc. must be continuously managed, and if the number of times and the total amount of withdrawals are set to be small in order to firmly prevent fraudulent transactions, the customer himself / herself will be subject to this restriction in payment processing. It is expected that there will be inconveniences, such as being tied up by the inconvenience and making a large amount of money inconvenient, and sometimes mistaken for a criminal. Therefore, the present invention provides an automatic transaction device and a transaction transaction system that prevent a large amount of illegal withdrawal by a third party, have a high degree of trust of a financial institution with a customer, and have excellent serviceability and crime prevention. Has an aim.

[0004]

SUMMARY OF THE INVENTION The present invention is an automatic transaction apparatus having a control section including a display section having an operation section, a card slip section, a cash handling section, a power supply section, a storage section and a line control section, and the line. It is composed of a central processing unit that communicates with an automatic transaction device via a control unit, and the control unit presets the balance of the ordinary account recorded in the personal transaction information for each customer provided in the storage unit in the central processing unit. It constantly monitors whether or not it reaches the set amount, and when it reaches the set amount, it automatically opens a new ordinary account,
Various operation guide screens are displayed upon receipt of excess information of the account setting amount from the central processing unit. That is, the means for achieving the above object is described in the claims. That is, an object of the present invention is to provide an automatic transaction device having a control unit including an operation unit, a display unit, a card slip unit, a cash handling unit, a power supply unit, a storage unit and a line control unit, and the line control unit. An automatic transaction device and a transaction system, which are configured by a central processing unit that communicates with the automatic transaction device and perform a deposit / withdrawal transaction by a savings account by inserting a transaction medium,
When the balance of the deposit account reaches a predetermined set amount, a second deposit account is opened, the excess amount exceeding the predetermined set amount is distributed and recorded to the second deposit account, and the predetermined amount is reached. At least the account excess information is recorded in the first deposit account, and subsequently, each time a deposit transaction is made, a plurality of new deposit accounts are sequentially opened and the distribution and recording are performed, and the withdrawal amount from the plurality of deposit accounts is set. It is achieved by an automatic transaction device and a transaction system characterized by comprising control means for controlling the amount of money to be less than the predetermined set amount.

[0005]

With the above configuration, when the balance of the customer's deposit account reaches the preset amount due to the deposit or transfer process from the automatic transaction device, the central processing unit automatically opens a new deposit account and the excess amount is Store in a new deposit account, write the account excess flag to the deposit account that has reached the set amount, send that information to the control unit of the automatic transaction device at the time of transaction, and the control unit receives this information and the card as the transaction medium The above account excess information is written in and the account excess information of this card is judged by the control unit at the time of the customer payment transaction, and various operation guide screens for preventing illegal transactions by a third party are displayed on the display unit. Since a plurality of deposit accounts are stored below the set amount as described above, at the time of payment transaction, input of withdrawal amount equal to or exceeding the balance of this account is controlled to be abnormally terminated.

[0006]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described in detail below with reference to FIGS. FIG. 1 is a block diagram showing a control-related configuration of an embodiment in which the present invention is applied to an ATM.

Reference numeral 1 is an ATM, and 2 is a display unit for displaying a key for input operation and an instruction for input guidance, which may be a CRT or a liquid crystal, and is usually called a touch panel, and an illustration key displayed on the screen. The touch panel is touched and the light beam is cut off to identify and detect the cut-off site, and an operation unit 3 is provided which is composed of a touch screen for transmitting the input information by the key as an electric signal. Reference numeral 4 denotes a card slip section for carrying a transaction medium such as a magnetic card as a transaction card (not shown), reading and writing stored contents, and issuing detailed slips. A passbook read / write unit 5 reads and writes the passbook. A cash handling unit 6 is composed of a cash discharging unit and a cash depositing unit (neither is shown), and discharges a designated number of banknotes or deposits banknotes when a transaction is completed. A power source 7 supplies necessary power to each part of the ATM 1. Reference numeral 8 denotes a control unit, which performs a control operation for each of the above components. The control unit 8 has a storage unit 9 for storing necessary data and a central processing unit (hereinafter referred to as center) 10
A line control unit 11 for transmitting and receiving transaction information is provided. Although not shown in the figure, a voice guidance unit for providing guidance by voice is further provided. Further, the storage unit 9 is provided with a ROM storing a so-called program such as a control procedure and control constants of the ATM 1, and a RAM capable of reading and writing various flags and areas in the control process. Controls the starting and stopping of the respective parts based on the program.

FIG. 2 is a diagram showing an operation flow of the present invention. Each operation step based on the figure is shown by S01 to S42.

S01: Start a transaction. S02: The customer inserts the magnetic card into the card insertion port (not shown) of the ATM1 by displaying the insertion guide of the magnetic card, which is the transaction medium. Is read and stored in the storage unit 9. S03: Transaction type guidance is displayed on the display unit 2. S04: When the customer selects a transaction type, the transaction type is stored in the storage unit 9 according to a command from the control unit 8. S05: The control unit 8 determines the transaction type. In this embodiment, it is first determined whether or not the transaction is a deposit transaction. S06: A guide for inputting the deposit amount is displayed on the display unit 2, and the customer inputs the amount from the touch panel of the display unit 2. S07: A cash-in guidance display is displayed on the display unit 2. S08: The customer deposits cash from the ATM 1 deposit opening (not shown). S09: The inserted cash is counted in the cash handling unit 6, and the control unit 8 determines whether the input amount of money and the input cash match, and if they do not match, the process proceeds to a known alarm process and the description process is not performed. S10: When the input amount of money and the input amount of money match, the deposit amount is displayed on the display unit 2 and a guidance display for confirming the amount of money is displayed. S11: The customer inputs a key for confirmation or cancellation. S12: The control unit 8 performs confirmation or determination of cancellation. In case of cancellation, publicly known cash and card will be returned and the transaction will end. S13: If the confirmation is made in S12, the line control unit 11 is activated by a command from the control unit 8 and the central communication processing with the center 10 is performed. All of the customer transaction information received from the center 10 is recorded in the storage unit 9, and it is determined whether or not the balance of the customer's ordinary account exceeds a predetermined set fixed amount by this deposit transaction. FIG. 3 is a diagram showing the recorded contents of the transaction received from the center 10. This is done by the control unit 8 judging whether or not the excess flag of the account number for the main transaction is FF in the customer individual transaction information transmitted from the center 10. That is, in the case of FF, the account balance of the account 1 exceeds the set amount, which means that the deposit to the newly opened account 2 has been completed automatically, and the account excess flag is 00. In the case of, it means that there is no excess due to this transaction.

In S19, the normal transaction end is displayed, and in S20.
Then, the normal statement printing is performed, and the process proceeds to S17. S14: When the account balance of the traded account number exceeds the set amount, the control unit 8 commands the excess account number, the excess amount, and the new automatically opened account number and the personal identification number corresponding to the new account number. Is displayed at the bottom of the screen of the display unit 2 so that it cannot be easily seen by a third party. The present embodiment is characterized in that when the customer creates the account 1 at the window, a plurality of personal identification numbers are registered in preparation for the account set amount being exceeded. Therefore, when the account setting amount is exceeded, a new personal identification number is automatically set. PINs corresponding to a plurality of ordinary accounts can be set in advance when the customer opens the first account. Although the personal identification number of a new account may be automatically displayed by ATM, in this embodiment, in this case, the guidance display is provided to the window regardless of the screen display, and the proof that the staff member is the customer himself / herself is displayed. After obtaining the presentation, it is possible to strengthen the security of the account by taking measures such as notifying the customer of the new account number. This method is not a problem if the customer himself / herself has exceeded the account due to the deposit transaction, but immediately after the account balance has been exceeded without the direct involvement of the principal due to the transfer, if there is a payment transaction, there is an excess account, Further, since the secret code of the excess account is unknown, the control unit 8 displays the account guide immediately after the payment transaction is selected and performs central communication with the center 10 based on the customer information of the magnetic card only when the customer desires. Processing,
If there is an excess account, we will display a guide to the window,
It goes without saying that the procedure can be implemented by notifying the person himself of the personal identification number of the excess account through the above procedure. S15: The contents displayed in S14 are printed on the statement slip. S16: As shown in FIG. 4, in this embodiment, after the name and the account number of the first account are recorded on the magnetic stripe portion of the card, a plurality of pairs of the same account code as the personal transaction information of the center 10 and excess information are paired. A writing area is provided. When the number exceeds the predetermined number, a card with a plurality of stripes having a magnetic stripe on the back surface of the card is issued to deal with it. The control unit 8 drives the magnetic card unit, and since the first account is exceeded, the corresponding excess information is rewritten and updated from 00 to FF. If it does not exceed, it is natural that the writing process in this step is not performed. S17: The detailed form and the magnetic card are discharged and returned to the customer. S18: The deposit transaction ends. As described in detail above, the deposit transaction is a process for dealing with an increase in the customer's account balance, and the feature of this embodiment is that the deposit is made by automatic transfer instead of the deposit operation by the customer, and the account balance is set to a predetermined value. Even when the set amount exceeds the set amount, the center 10 constantly monitors the personal transaction information of the customer, and the account that has exceeded the predetermined set amount by the FF writing of the account excess information or automatic debiting etc. When it is less than the value, the process of rewriting FF to 00 is performed at any time.
Needless to say, when a plurality of ordinary deposit accounts exceed a predetermined set amount such as when a large amount of money is deposited or transferred, the excess amount is sequentially distributed from the first account by the distribution method. When the excess information of the first account is FF, the second excess account information is naturally determined and 00
It distributes to the accounts that have become.

Next, the payment transaction of the present invention will be described with reference to FIG. S21: It is determined whether the transaction content is a payment transaction. If the transaction is not a payment transaction, the process proceeds to S42 to perform processing such as balance inquiry, bookkeeping, and transfer. S22: As shown in FIG. 4, the control unit 8 judges the content of the account code excess information 4A1 of the card information 4A read in S02. If the first account excess information is 00,
A guidance display for inputting the personal identification number of the first payment account, which is a normal payment account, is displayed, and a normal payment flag (not shown) provided in a specific area of the storage unit 9 is set to FF in S41, and then the process proceeds to S25. S23: In S22, the control unit 8 judges the content of the excess information 4A1 of the first account code, and in the case of FF, as shown in FIG. Please enter the code directly with the numerical keys on the screen. Finally, enter the confirmation key. If you do not want, enter the confirmation key directly. " This is an example of withdrawing by multiple accounts,
For security reasons, it is displayed so that it cannot be easily recognized by a third party. That is, if you want to withdraw from multiple arbitrary accounts, you can withdraw from the second, fourth, and first accounts by entering "02", "04", and "01", for example. Is. However, the order of input to the account code is arbitrary. If the confirmation key is pressed directly, the first
Will be deducted from your account. S24: The promise code or the direct confirmation key is pressed. S25: After this step, the normal payment flag is always determined first. In the case of FF, the guidance display is left as it is, and in the case of 00, special payment is made. The personal identification number shown in FIG. 6 is guided, and the personal identification number is input by the customer. In the case of normal payment, the personal identification number is the four-digit personal identification number of the first account, but in the case of special payment, in the present embodiment, a special personal identification number that was previously agreed between a financial institution such as a bank and a customer. Make an input. For example, if the account code is 02,0
In the case of the embodiment in which the number is 4, 01, the second password "12"
34 "and the first personal identification number" 5678 "are used to continuously input" 12345678 "of 8 digits. The "password input means arranged and parameterized by a predetermined procedure" in claim 3 corresponds to, for example, the special input means shown in the above embodiment. . That is, in the above example, the passwords of the accounts in the middle are ignored, and by inputting the 8-digit combination of the passwords of only the first and last accounts, the parameter is maintained and security is maintained, and the key operation is performed. We are trying to simplify it. Regarding the input of this personal identification number, as mentioned above, it is arbitrarily negotiated between the bank side and the customer.
The parameters are parameterized as described above from the standpoint of complying with specific promise conditions. The personal identification information area of the customer shown in FIG. 3 stores the personal identification parameter, and the control unit 8 determines the personal identification number based on this parameter. It was done like this. S26: A guidance display for entering the amount is displayed, and the normal payment is the first
In case of special payment, the amount of money to be deducted from each account by the customer, such as 100,000, 200,000, 300,000 in the order of accounts, including numeric keys and ten thousand keys Is used in combination with the 1000 yen key), and finally the yen key is inserted to complete the amount input process. It goes without saying that in the amount input process, the amount that can be withdrawn at one time, that is, the payment limit amount is checked. If the payment limit is exceeded, the user is required to re-enter the amount, and if the number of re-entries exceeds the specified number, the process ends abnormally. S27: The control unit 8 displays the amount of money input by the customer on the display unit 2, and displays a guide requesting the customer to input a confirmation or cancel key. Since the customer determines whether the cancellation or confirmation is input, and in the case of the cancellation, the general cancellation processing is performed, and the description thereof will be omitted. S28: When the confirmation key is input, the central communication processing with the center 10 is started, and the customer's card information, the input account code, the personal identification number, the amount of money, and other transaction information are transmitted to the center 10. The center 10 retrieves the customer's personal transaction information file from a storage unit (not shown) of the center 10 based on the transmitted customer's account code, and transmits all the customer transaction information necessary for the transaction to the control unit 8. The control unit 8 has a center 10
The personal transaction information of the customer is received from and stored in the storage unit 9. S29: The personal identification number input by the customer is compared with the personal identification number of the first account in the case of normal payment, and the personal identification numbers corresponding to the first and last account codes designated by the customer in the case of special payment. S30: If the personal identification numbers entered by the keys do not match, the process proceeds to general personal identification mistake processing, but if the number of mistakes reaches the prescribed number, it is determined that it is an illegal transaction by a third party, and the control unit 8 displays it. By displaying the guidance to the window to the department 2 and collecting the media card inside the device, it is possible to prevent the illegal withdrawal of cash from being continued.
Of course, this transaction will be terminated abnormally. S31: The control unit 8 deducts the amount input by the customer from the balance of the first account in the case of normal payment, and the account balance corresponding to each account code from the amount input data of the customer in the case of special payment. S32: It is determined whether the calculation result of S31 is 0, minus, or plus. S33: In the case of normal payment, if the first account is 0 or in the case of special payment, and one of the plurality of accounts is 0, it is abnormally terminated at this point, and the calling process of the clerk is performed. It should be noted that it is possible to correct the amount of money for a 0 or negative account again without terminating abnormally once, and terminate abnormally when the specified number of times is reached, but from the viewpoint of ensuring security,
It is preferable to regulate the number of corrections to 2 to 3 times. S34: In the case of normal payment, when the plus is the designated amount of money, and in the case of the special payment, when the amount is all plus, the total amount of the input amounts of the designated accounts is released. S35 to S40: General processing is performed, and in S36, for the account in which the amount of payment is less than the set amount and the excess information flag is changed from FF to 00, the control unit 8
Returns the card after changing the account excess information of the account shown in FIG. 4 to 00 and rewriting and updating the card information. Central communication is restarted in S39, and the balance of each account code of the center 10, the account excess information flag, other transaction information, etc. are updated. To clear 00 of the normal payment flag,
It goes without saying that it is initialized in S37.

Although it is described that if the transaction is not a payment transaction in S21, the process shifts to another process such as balance inquiry. However, in the present embodiment, the balance inquiry process allows the customer to select an arbitrary account by the technical idea described so far. It is clear that an inquiry with security can be easily performed by designating "" and entering the corresponding personal identification number. Furthermore, it is also possible to carry out a transfer process within a range of a predetermined set amount from an arbitrary account, and it is possible to carry out a transfer process in which there is no room for fraud by a third party. It goes without saying that this technical idea can be applied to other transactions. In the present invention, in the case where a withdrawal transaction is carried out immediately after the account balance exceeds a predetermined amount due to a deposit not paid by the customer himself, for example, a deposit made by a transfer, the customer knows the balance of each of the plurality of accounts at that time. Although not shown in the flow chart shown in FIG. 2, since the payment transaction is selected, the account balance inquiry guide is displayed immediately after the payment transaction is selected, and the predetermined secret code is input only when the customer desires. , And only when the secret code is correct as a result of central communication, inform the account balance,
It goes without saying that payment transactions can be performed consecutively in so-called balance inquiry.

As another embodiment of the present invention, it is also possible to collectively withdraw the balances of all accounts. That is, a key (not shown) for collectively deducting all the account balances is provided on the display unit, and the personal identification number to be input in this case is completely different from that for debiting the plurality of accounts and has a large number of digits. This makes it possible to improve security. The “password input means decided by a predetermined procedure” in claim 4 corresponds to, for example, the password input means shown in this embodiment. In addition, a special card will be issued only for the above-mentioned withdrawal, but it will be kept at the bank side without giving it to the customer, and only when the customer applies at the clerk window It is possible to provide a transaction system with even higher security by adopting a method of confirming that there is a card, temporarily lending the card to the customer, and once depositing the card, and then depositing the card again at the bank side.

In this embodiment, when the payment transaction is designated in S21 of FIG. 2, and when the excess information of the first account of the card is 00, the normal password input guidance is unconditionally performed in S22. However, if the payment transaction is selected immediately after the savings account has been exceeded due to a transfer without depending on the customer's own deposit transaction, the account surplus information is not rewritten on the transaction card, so the normal PIN input Guidance will be given,
Some customers want to withdraw from multiple deposit accounts other than the second. Although not shown in the flow chart of FIG.
It is possible to control so that the customer can switch the display guide screen. That is, the display screen shown in FIG. 7 is displayed immediately after S21 so that the customer can select withdrawal from a plurality of accounts. That is, when the confirmation key is pressed in FIG. 7, the process shifts to S23 and the display screen in FIG. 5 is switched to, and special payment processing becomes possible, and in the case of the cancel key, the process shifts to S22 described above and normal payment transaction is performed. You can do it like this. In the above embodiment, the transaction medium is limited to the magnetic card, but the rewriting process of the above-mentioned account excess information is possible even if a passbook is used, and it is possible to use the card together during the payment transaction. Needless to say, it is also possible to use an IC card or a leather card. Although the various embodiments have been described in detail above, the prerequisite for the present invention is that a transaction in which a high-value time deposit found in a general account or the like is used as collateral and a loan is made even when the balance of the savings account is small. Not applicable

As an application example of the present invention, it is possible to apply the present technical idea from the viewpoint of another idea without being limited to the prevention of illegal transaction. For example, the plurality of savings account described above is not called as an account, but is internally differentiated as a balance file in one large deposit account, and the account number is one, but the above-mentioned embodiment can be performed by the attached code of this account. That can be applied to so-called hidden files (or hidden safes), and that multiple accounts can be used according to use and item, household account book application examples within the family, and various loans, The center processes fixed monthly payments such as utility bills to the accounts below the second account, making it impossible to withdraw for customer payment transactions, allowing the center to withdraw, and the fixed monthly payments. Application examples such as securing the so-called, preventing so-called out-of-purpose spending can be considered. It should be noted that the flow diagram described in each of the above embodiments, the order, the flag name, the code to be set, and the explanation words such as the guide wording of the display unit are not limited to the description, and the application is within the scope of the present invention. It goes without saying that examples and modifications are possible.

[0016]

By implementing the present invention, by presetting the balance of the savings account, it is possible to exceed the preset amount by a third amount.
It is possible to prevent unlawful payment transactions performed by a person in advance, and when a large amount of money is transferred to the relevant account from outside, immediately the instructions from the center will automatically deposit the amount of money into multiple deposit accounts. Since the information is distributed and the excess information that exceeds the set amount is written, it becomes impossible for a third party to illegally withdraw a large amount of money, and crime prevention is improved, credibility to financial institutions and customer It is possible to provide an automatic transaction device and a transaction transaction system with enhanced serviceability and excellent practical value.

[Brief description of drawings]

FIG. 1 is a block diagram showing a control configuration of an ATM according to the present invention.

FIG. 2 is a flowchart showing the control operation of the embodiment of the present invention.

FIG. 3 is a diagram showing transaction record information received from a center according to an embodiment of the present invention.

FIG. 4 is a diagram showing account information recorded on a card according to an embodiment of the present invention.

FIG. 5 is a diagram showing an embodiment of a display screen of the present invention.

FIG. 6 is a diagram showing an embodiment of a display screen of the present invention.

FIG. 7 is a diagram showing an example of a display screen of the present invention.

[Explanation of symbols]

1 ... ATM main body 2 ... display section 3 ... operation section 4 ... card slip section 5 ... passbook read / write section 6 ... cash handling section 7 ... power supply section 8 ... control section 9 ... storage section 10 ... center 11 ... line control section S01 to S42 ... Processing steps

[Procedure amendment]

[Submission date] June 16, 1994

[Procedure Amendment 1]

[Document name to be amended] Statement

[Name of item to be corrected] 0002

[Correction method] Change

[Correction content]

[0002]

2. Description of the Related Art In recent years, with the rapid spread of automatic transaction devices, it has become possible for customers to perform transactions such as holiday operation and unmanned operation at locations where automatic transaction device personnel are absent. The number of fraudulent transactions using stolen cards and high-value withdrawal crimes is increasing rapidly. During the installation and card theft of security surveillance cameras as a countermeasure, but as calling the customer that the report immediately to financial institutions,
Installation of security surveillance cameras may increase equipment costs, and this type of fraudulent transactions and accidents tend to increase.

[Procedure Amendment 2]

[Document name to be amended] Statement

[Name of item to be corrected] 0003

[Correction method] Change

[Correction content]

[0003]

[0007] The present invention, which has been made in view of the above-mentioned problems, for example, a personal identification number birthday was inferred from the name of the transaction card, phone number, the address of address When fraudulent withdrawal or payment transaction executed by inputting,
We set a single payment limit and regulate high payments, but by withdrawing the amount close to the limit multiple times,
There was a problem that a large amount of account balance could be withdrawn by others. To prevent this, countermeasures such as monitoring the number of payment transactions close to the limit amount performed within a predetermined period or monitoring the total withdrawal amount within a predetermined period can be considered. , The number of payments, the total amount of withdrawals, etc. must be continuously managed, and if the number of times and the total amount of withdrawals are set to be small in order to firmly prevent fraudulent transactions, the customer himself / herself will be subject to this restriction in payment processing. It is expected that there will be inconveniences, such as being tied up by the inconvenience and making a large amount of money inconvenient, and sometimes mistaken for a criminal. Therefore, the present invention provides an automatic transaction device and a transaction transaction system that prevent a large amount of illegal withdrawal by a third party, have a high degree of trust of a financial institution with a customer, and have excellent serviceability and crime prevention. Has an aim.

[Procedure 3]

[Document name to be amended] Statement

[Correction target item name] 0009

[Correction method] Change

[Correction content]

S01: Start a transaction. S02: The customer inserts the magnetic card into the card insertion port (not shown) of the ATM1 by displaying the insertion guide of the magnetic card, which is the transaction medium. Is read and stored in the storage unit 9. S03: Transaction type guidance is displayed on the display unit 2. S04: When the customer selects a transaction type, the transaction type is stored in the storage unit 9 according to a command from the control unit 8. S05: The control unit 8 determines the transaction type. In this embodiment, it is first determined whether or not the transaction is a deposit transaction. S06: A guide for inputting the deposit amount is displayed on the display unit 2, and the customer inputs the amount from the touch panel of the display unit 2. S07: A cash-in guidance display is displayed on the display unit 2. S08: The customer deposits cash from the ATM 1 deposit opening (not shown). S09: The inserted cash is counted in the cash handling unit 6, and the control unit 8 determines whether the input amount of money and the input cash match, and if they do not match, the process proceeds to a known alarm process and the description process is not performed. S10: When the input amount of money and the input amount of money match, the deposit amount is displayed on the display unit 2 and a guidance display for confirming the amount of money is displayed. S11: The customer inputs a key for confirmation or cancellation. S12: The control unit 8 performs confirmation or determination of cancellation. In case of cancellation, publicly known cash and card will be returned and the transaction will end. S13: If the confirmation is made in S12, the line control unit 11 is activated by a command from the control unit 8 and the central communication processing with the center 10 is performed. All of the customer transaction information received from the center 10 is recorded in the storage unit 9, and it is determined whether or not the balance of the customer's ordinary account exceeds a predetermined set amount by the deposit transaction. FIG. 3 is a diagram showing the recorded contents of the transaction received from the center 10. This is done by the control unit 8 judging whether or not the excess flag of the account number for the main transaction is FF in the customer individual transaction information transmitted from the center 10. That is, in the case of FF, account 1
Account balance exceeds the set amount, which means that the deposit to the newly opened account 2 has been completed automatically. If the account excess flag is 00, the excess due to this transaction Means no.

[Procedure amendment 4]

[Document name to be amended] Statement

[Correction target item name] 0010

[Correction method] Change

[Correction content]

In S19, the normal transaction end is displayed, and in S20.
Then, the normal statement slip is printed, and the process proceeds to S17. S14: When the account balance of the traded account number exceeds the set amount, the control unit 8 commands the excess account number, the excess amount, and the new automatically opened account number and the personal identification number corresponding to the new account number. Is displayed at the bottom of the screen of the display unit 2 so that it cannot be easily seen by a third party. In this embodiment, when the customer creates the account 1 at the window, he / she registers a plurality of personal identification numbers in preparation for the excess of the account set amount , and is described later.
Combined withdrawal of desired accounts or withdrawal of all accounts at once
Set the maximum transaction limit to an arbitrarily high amount in advance
It is characterized by (not possible if transaction limit is too small) . Therefore, when the account setting amount is exceeded, a new personal identification number is automatically set. PINs corresponding to a plurality of ordinary accounts can be set in advance when the customer opens the first account. ATM the PIN of the new account
However, in this case, in this case, instead of the screen display, the guidance display to the window is displayed, and after obtaining the proof that the staff is the customer himself, the new account is displayed. It is possible to strengthen the security of the account by taking measures such as notifying the customer of the number. This method is not a problem if the customer himself / herself has exceeded the account due to the deposit transaction, but immediately after the account balance has been exceeded without the direct involvement of the person by the transfer,
When performing a payment transaction, the control unit 8 displays the account guide immediately after the payment transaction is selected because the account is in excess and the PIN of the excess account is unknown. Only based on customer information of magnetic card
Needless to say, this can be done by performing central communication processing with the center 10 and displaying a guidance at the window when there is an excess account, and notifying the person himself of the excess account PIN through the above procedure. . S15: The contents displayed in S14 are printed on the statement slip. S16: As shown in FIG. 4, in this embodiment, after the name and the account number of the first account are recorded on the magnetic stripe portion of the card, a plurality of pairs of the same account code as the personal transaction information of the center 10 and excess information are paired. A writing area is provided. When the number exceeds the predetermined number, a card with a plurality of stripes having a magnetic stripe on the back surface of the card is issued to deal with it. The control unit 8 drives the magnetic card unit, and since the first account is exceeded, the corresponding excess information is rewritten and updated from 00 to FF. If it does not exceed, it is natural that the writing process in this step is not performed. S17: The detailed form and the magnetic card are discharged and returned to the customer. S18: The deposit transaction ends. As described in detail above, the deposit transaction is a process for dealing with an increase in the customer's account balance, and the feature of this embodiment is that the deposit is made by automatic transfer instead of the deposit operation by the customer, and the account balance is set to a predetermined value. Even when the set amount exceeds the set amount, the center 10 constantly monitors the personal transaction information of the customer, and the account that has exceeded the predetermined set amount by the FF writing of the account excess information or automatic debiting etc. When it is less than the value, the process of rewriting FF to 00 is performed at any time.
Needless to say, when a plurality of ordinary deposit accounts exceed a predetermined set amount such as when a large amount of money is deposited or transferred, the excess amount is sequentially distributed from the first account by the distribution method. When the excess information of the first account is FF, the second excess account information is naturally determined and 00
It distributes to the accounts that have become.

[Procedure Amendment 5]

[Document name to be amended] Statement

[Correction target item name] 0011

[Correction method] Change

[Correction content]

Next, the payment transaction of the present invention will be described with reference to FIG. S21: It is determined whether the transaction content is a payment transaction. If the transaction is not a payment transaction, the process proceeds to S42 to perform processing such as balance inquiry, bookkeeping, and transfer. S22: As shown in FIG. 4, the control unit 8 judges the content of the account code excess information 4A1 of the card information 4A read in S02. If the first account excess information is 00,
A guidance display for inputting the personal identification number of the first payment account, which is a normal payment account, is displayed, and a normal payment flag (not shown) provided in a specific area of the storage unit 9 is set to FF in S41, and then the process proceeds to S25. S23: In S22, the control unit 8 judges the content of the excess information 4A1 of the first account code, and in the case of FF, as shown in FIG. Please enter the code directly with the numerical keys on the screen. Finally, enter the confirmation key. If you do not want, enter the confirmation key directly. " This is an example of withdrawing by multiple accounts,
For security reasons, it is displayed so that it cannot be easily recognized by a third party. That is, if you want to withdraw from multiple arbitrary accounts, you can withdraw from the second, fourth, and first accounts by entering "02", "04", and "01", for example. Is. However, the order of inputting the account code is arbitrary. When the confirmation key is directly pressed, the first withdrawal from the first account is performed. S24: The promise code or the direct confirmation key is pressed. S25: After this step, the normal payment flag is always determined first. In the case of FF, the guidance display is left as it is, and in the case of 00, special payment is made. The personal identification number shown in FIG. 6 is guided, and the personal identification number is input by the customer. In the case of normal payment, the personal identification number is the four-digit personal identification number of the first account, but in the case of special payment, in the present embodiment, a special personal identification number that was previously agreed between a financial institution such as a bank and a customer. Make an input. For example, if the account code is 02,0
In the case of the embodiment in which the number is 4, 01, the second password "12"
34 "and the first personal identification number" 5678 "are used to continuously input" 12345678 "of 8 digits. The "personal code input means that has been agreed and parameterized by a predetermined procedure" in claim 3 corresponds to, for example, the special personal identification number shown in the above embodiment and the input method using the same. That is, in the above example, the security code of the account in the middle is completely ignored, and the security code is maintained by parameterizing the security code by inputting an 8-digit combination of the security codes of only the first and last accounts, and The key operation is simplified. For entering this PIN,
As mentioned above, it is an arbitrary arrangement between the bank side and the customer, but in terms of program control, it is parameterized as described above from the viewpoint of complying with specific promise conditions,
The personal identification information area of the customer shown in FIG. 3 stores the personal identification parameter, and the control unit 8 determines the personal identification number based on this parameter. S26: A guidance display for entering the amount is displayed, and the normal payment is the first
In case of special payment, the amount of money to be deducted from each account by the customer, such as 100,000, 200,000, 300,000 in the order of accounts, including numeric keys and ten thousand keys Is used in combination with the 1000 yen key), and finally the yen key is inserted to complete the amount input process. It goes without saying that in the amount input process, the amount that can be withdrawn at one time, that is, the payment limit amount is checked. If the payment limit is exceeded, the user is required to re-enter the amount, and if the number of re-entries exceeds the specified number, the process ends abnormally. S27: The control unit 8 displays the amount of money input by the customer on the display unit 2, and displays a guide requesting the customer to input a confirmation or cancel key. Since the customer determines whether the cancellation or confirmation is input, and in the case of the cancellation, the general cancellation processing is performed, and the description thereof will be omitted. S28: When the confirmation key is input, the central communication processing with the center 10 is started, and the customer's card information, the input account code, the personal identification number, the amount of money, and other transaction information are transmitted to the center 10. The center 10 retrieves the customer's personal transaction information file from a storage unit (not shown) of the center 10 based on the transmitted customer's account code, and transmits all the customer transaction information necessary for the transaction to the control unit 8. The control unit 8 has a center 10
The personal transaction information of the customer is received from and stored in the storage unit 9. S29: The personal identification number input by the customer is compared with the personal identification number of the first account in the case of normal payment, and the personal identification numbers corresponding to the first and last account codes designated by the customer in the case of special payment. S30: If the personal identification numbers entered by the keys do not match, the process proceeds to general personal identification mistake processing, but if the number of mistakes reaches the prescribed number, it is determined that it is an illegal transaction by a third party, and the control unit 8 displays it. By displaying the guidance to the window to the department 2 and collecting the media card inside the device, it is possible to prevent the illegal withdrawal of cash from being continued.
Of course, this transaction will be terminated abnormally. S31: The control unit 8 deducts the amount input by the customer from the balance of the first account in the case of normal payment, and the account balance corresponding to each account code from the amount input data of the customer in the case of special payment. S32: It is determined whether the calculation result of S31 is 0, minus, or plus. S33: In the case of normal payment, if the first account is 0 or in the case of special payment, and one of the plurality of accounts is 0, it is abnormally terminated at this point, and the calling process of the clerk is performed. It should be noted that it is possible to correct the amount of money for a 0 or negative account again without terminating abnormally once, and terminate abnormally when the specified number of times is reached, but from the viewpoint of ensuring security,
It is preferable to regulate the number of corrections to 2 to 3 times. S34: In the case of normal payment, when the plus is the designated amount of money, and in the case of the special payment, when the amount is all plus, the total amount of the input amounts of the designated accounts is released. S35 to S40: General processing is performed, and in S36, for the account in which the amount of payment is less than the set amount and the excess information flag is changed from FF to 00, the control unit 8
Returns the card after changing the account excess information of the account shown in FIG. 4 to 00 and rewriting and updating the card information. Central communication is restarted in S39, and the balance of each account code of the center 10, the account excess information flag, other transaction information, etc. are updated. To clear 00 of the normal payment flag,
It goes without saying that it is initialized in S37.

[Procedure correction 6]

[Document name to be amended] Statement

[Correction target item name] 0013

[Correction method] Change

[Correction content]

As another embodiment of the present invention, it is possible to collectively withdraw the balances of all accounts within a predetermined set amount range . That is, a key (not shown) for collectively deducting all the account balances is provided on the display unit, and the personal identification number to be input in this case is completely different from that for debiting the plurality of accounts and has a large number of digits. This makes it possible to improve security. The "password input means decided by a predetermined procedure" in claim 4 corresponds to, for example, the special password shown in this embodiment and the input method using the same. In addition, a special card will be issued only for the above-mentioned withdrawal, but it will be kept at the bank side without giving it to the customer, and only when the customer applies at the clerk window It is possible to provide a transaction system with even higher security by adopting a method of confirming that there is a card, temporarily lending the card to the customer, and once depositing the card, and then depositing the card again at the bank side.

[Procedure Amendment 7]

[Document name to be amended] Statement

[Correction target item name] 0014

[Correction method] Change

[Correction content]

In this embodiment, when the payment transaction is designated in S21 of FIG. 2, and when the excess information of the first account of the card is 00, the normal password input guidance is unconditionally performed in S22. However, if the payment transaction is selected immediately after the savings account has been exceeded due to a transfer without depending on the customer's own deposit transaction, the account surplus information is not rewritten on the transaction card, so the normal PIN input Guidance will be given,
Some customers want to withdraw from multiple deposit accounts other than the second. Although not shown in the flow chart of FIG.
It is possible to control so that the customer can switch the display guide screen. That is, the display screen shown in FIG. 7 is displayed immediately after S21 so that the customer can select withdrawal from a plurality of accounts. That is, when the confirmation key is pressed in FIG. 7, the process shifts to S23 and the display screen in FIG. 5 is switched to, and special payment processing becomes possible, and in the case of the cancel key, the process shifts to S22 described above and normal payment transaction is performed. You can do it like this. In the above embodiment, the transaction medium is limited to the magnetic card, but the rewriting process of the above-mentioned account excess information is possible even if a passbook is used, and it is possible to use the card together during the payment transaction. Needless to say, those using an IC card or a leather card can also be implemented. Although the various embodiments have been described in detail above, the prerequisite for the present invention is that a transaction in which a high-value time deposit found in a general account or the like is used as collateral and a loan is made even when the balance of the savings account is small. Not applicable

[Procedure Amendment 8]

[Document name to be corrected] Drawing

[Name of item to be corrected] Figure 3

[Correction method] Change

[Correction content]

[Figure 3]

Claims (4)

[Claims] 1. An automatic transaction apparatus having an operation unit, a display unit, a card slip unit, a cash handling unit, a power supply unit, a control unit including a storage unit and a line control unit, and the automatic transaction via the line control unit. In an automatic transaction device and transaction system that is composed of a central processing unit that communicates with the device and performs a deposit / withdrawal transaction by a savings account by inserting a transaction medium, the balance of the first deposit account is set to a predetermined amount by the deposit transaction. When reaching, the second deposit account is opened, the excess amount exceeding the predetermined amount is distributed and recorded to the second deposit account, and at least the first deposit account reaching the predetermined amount is at least Record the account excess information, and open each of the following deposit transactions one after another by opening a plurality of new deposit accounts one after another, and perform the above-mentioned allocation and recording. Automated teller machine and a transaction system, characterized by androgynous control means for controlling the. 2. The automatic transaction method according to claim 1, wherein a plurality of account information storage areas are provided in the transaction medium, and account excess information of a deposit account that exceeds the predetermined amount is written in the account information storage area. Trading device and trading system. 3. A withdrawal operation from the plurality of deposit accounts,
It is characterized by further comprising control means for controlling a combination of an arbitrary account from the plurality of deposit accounts and withdrawing within a range of the predetermined set amount by a secret code input means arranged and parameterized by a predetermined procedure. The automatic transaction device and transaction system according to claim 1. 4. The withdrawal operation from the plurality of deposit accounts,
2. The automatic transaction apparatus according to claim 1, further comprising control means for controlling such that all accounts can be collectively withdrawn within the range of the predetermined set amount by means of a password input means arranged by a predetermined procedure. And trading system.