JP2010044711A - Automated teller machine and method of reloading electronic money - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automated teller machine and method for reliably reloading charge information to be reloaded to a desired electronic medium by preventing the charge information from being reloaded to another electronic medium. <P>SOLUTION: An electronic medium identifier is read just before reload processing, in addition to reading the electronic medium identifier for individual authentication. When they match, reload is performed. Further, the electronic medium identifier is read also just after the reload, to verify the matching. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus and an electronic money charging method for charging electronic money with electronic money whose electronic value is replaced with electronic information, and in particular, charging the electronic medium from a user's account in a contactless manner. The present invention relates to an automatic transaction apparatus and an electronic money charging method for preventing another electronic medium from being charged.

  In recent years, electronic money systems using electronic money in which the value of currency is replaced with electronic information have been introduced in public transportation means such as trains and buses and various shops. In such an electronic money system, electronic money is deposited or added to an electronic medium such as an IC card, and so-called charging is performed as follows.

First, when directly charging cash, the user sets an electronic medium in an automatic transaction apparatus that performs electronic money charging, and displays the balance of electronic money in the electronic medium on a display. And when there is no balance, or when there is little balance, a bill and a coin are inserted in the automatic transaction apparatus which performs electronic money charge, and the designated amount is charged to an electronic medium as electronic money. Alternatively, when charging from an account, an electronic medium is set in an automatic transaction device (ATM) having an electronic money charge function, and the host computer connected via the network is accessed and managed by the host computer. The specified amount is charged to the electronic medium as electronic money from the account information of the user (see Patent Document 1).
JP 2006-65620 A

  However, when charging electronic money from account information using ATM or the like, a non-contact reader / writer (R / W) mounted on the ATM and a non-contact electronic medium (or a mobile phone having an electronic money function) Depending on the wireless communication state between the devices, there is a possibility that charge information to be charged will be charged to another electronic medium.

  That is, even if the charging process itself is normally executed, it takes time to execute writing to the electronic medium after executing the process for the account to be handled, and whether it is intentional or not Even if the electronic medium confirmed in step 1 is different from the electronic medium used for charging, there is a problem that the charging process itself may be executed.

  The present invention is intended to solve such a problem, and prevents the charge information to be charged from being charged in another electronic medium, and can be charged into the original electronic medium to be charged. And an electronic money charge method.

The present invention employs the following configuration in order to solve the above problems.
That is, according to one aspect of the present invention, an automatic transaction apparatus according to the present invention is an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging through wireless communication with an electronic medium. An electronic medium that acquires electronic medium information including an electronic medium identifier for identifying the electronic medium by performing wireless communication with the electronic medium and a balance amount of electronic money that can be used in the electronic medium, and stores the electronic medium information in a memory From the account corresponding to the electronic medium identifier acquired by the electronic medium information acquisition means, the specified amount input means for inputting the specified amount for charging the electronic medium as electronic money, and the electronic medium information acquisition means, Withdrawing means for withdrawing the designated amount input by the designated amount input means, and before withdrawing the designated amount by the withdrawal means Whether the electronic medium identifier stored in the memory by the electronic medium information acquisition means is the same as the electronic medium identifier acquired by the electronic medium information acquisition means after the specified amount is withdrawn by the withdrawal means The electronic medium identity confirmation means for judging the electronic medium identifier before and after the withdrawal is judged to be the same by the electronic medium identity confirmation means, the withdrawal amount withdrawn by the withdrawal means is Charging means for charging a medium; before and after the specified amount is withdrawn by the withdrawal means; an electronic medium identifier stored in a memory by the electronic medium information obtaining means; and the withdrawal amount is charged by the charging means After that, the electronic medium identifier acquired by the electronic medium information acquisition means is the same as the electronic medium identifier. Characterized in that it comprises an electronic medium confirmation means for confirming that this is.

  The automatic transaction apparatus according to the present invention preferably stops the automatic transaction apparatus when the electronic medium confirmation unit cannot confirm that the electronic medium identifiers before and after the charge are the same.

  In the automatic transaction apparatus of the present invention, the electronic medium includes an electronic wallet in which the withdrawal amount is charged as the electronic money, and a cash card for specifying the account and withdrawing the designated amount from the account. Preferably, the withdrawal means withdraws the designated amount from the account corresponding to the account information possessed by the cash card function in the electronic medium.

  In the automatic transaction apparatus according to the present invention, the electronic medium includes an electronic wallet in which the withdrawal amount is charged as the electronic money, and a cash card for identifying the account and withdrawing the designated amount from the account. The electronic medium information acquisition means acquires account information including a cash card identifier for specifying the cash card by performing wireless communication with the cash card, and the withdrawal means includes the account information. It is desirable to withdraw the specified amount from the account corresponding to.

  According to another aspect of the present invention, an automatic transaction apparatus according to the present invention is an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging by wireless communication with an electronic medium. An electronic medium that acquires electronic medium information including an electronic medium identifier for identifying the electronic medium by performing wireless communication with the electronic medium and a balance amount of electronic money that can be used in the electronic medium, and stores the electronic medium information in a memory Of the cash received by the operation of the customer, the designated amount input by the designated amount input means among the medium information acquisition means, the designated amount input means for inputting the designated amount for charging the electronic medium as electronic money, Depositing means for depositing and storing in the memory by the electronic medium information obtaining means before depositing the specified amount by the depositing means An electronic medium identity confirmation means for judging whether or not each electronic medium identifier acquired by the electronic medium information acquisition means is the same after depositing the designated amount by the payment means. Charging means for charging the electronic medium with the amount of money deposited by the depositing means when the electronic medium identity confirmation means determines that the electronic medium identifiers before and after the deposit are the same; and the depositing means Before and after depositing the specified amount by the electronic medium identifier stored in the memory by the electronic medium information obtaining unit, and after charging the deposit amount by the charging unit, obtained by the electronic medium information obtaining unit Electronic medium confirmation means for confirming that the electronic medium identifier is the same And features.

  Moreover, according to one aspect of the present invention, an electronic money charging method of the present invention is an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging by wireless communication with an electronic medium. An electronic money charging method to be executed, comprising: an electronic medium identifier for identifying the electronic medium by performing a first wireless communication with the electronic medium; and a balance amount of electronic money available on the electronic medium. The account corresponding to the electronic medium identifier acquired by the first wireless communication is acquired by inputting the specified amount for acquiring the electronic medium information to be stored in the memory and charging the electronic medium as electronic money. The specified specified amount is withdrawn, and the electronic medium is specified by performing a second wireless communication with the electronic medium. Whether or not the electronic medium identifier acquired by the first wireless communication and stored in the memory is the same as the electronic medium identifier acquired by the second wireless communication If it is determined that the two electronic medium identifiers acquired by the first and second wireless communications are the same, the withdrawn amount is charged to the electronic medium and the same If it is determined that the electronic medium has the electronic medium identifier obtained by the first wireless communication, the electronic medium is identified by performing the third wireless communication with the electronic medium. The electronic medium identifier stored in the memory by the first and second wireless communications and the third wireless communications. If it is determined that the two electronic medium identifiers acquired by the first communication or the second wireless communication and the third wireless communication are not the same, The automatic transaction apparatus is stopped.

  According to the present invention, in an electronic money charging device such as an ATM, the identity of an electronic medium is confirmed before and after charging, so that charge information to be charged is prevented from being charged to another electronic medium, The electronic medium to be charged can be charged.

Hereinafter, embodiments to which the present invention is applied will be described with reference to the drawings.
FIG. 1 is a diagram for explaining the outline of the present invention.
In FIG. 1, an automatic transaction apparatus 1 is an ATM or the like installed in a store of a financial institution such as a bank or a store such as a convenience store, and includes a customer operation display unit 11, a card reader / writer unit 12, a deposit / withdrawal unit 13, A storage unit 14, a non-contact type electronic medium reader / writer unit 15, and a control unit 16 are provided. The automatic transaction apparatus 1 is communicably connected to the host computer 3 via the network 2 and receives a message indicating that the transaction is permitted from the host computer 3, cash withdrawal, cash deposit, transfer and electronic Conduct various transactions such as charging money.

  The customer operation display unit 11 includes an operation unit such as a touch panel and a display unit such as a liquid crystal display. The touch panel is disposed on a display unit such as a CRT display or a liquid crystal display, and a customer performs an input operation or the like. Is. In addition, a transaction selection screen, a screen for guiding a customer's input operation or the like for the transaction selected by the customer, and input information are also displayed.

  The card reader / writer unit 12 includes a card reading / writing mechanism, and reads customer information such as an account number from a magnetic stripe of a cash card inserted by a customer into a card insertion slot or an IC (Integrated Circuit) chip. After reading the account number, the cash card is ejected from the card ejection slot and returned to the customer. Further, the card reader / writer unit 12 includes a statement slip printing mechanism and a statement slip transport mechanism, and has a function of discharging a statement slip printed on the contents of a transaction performed by the customer from the statement slip discharge port and issuing it to the customer. is doing.

  The depositing / withdrawing unit 13 includes a banknote depositing / dispensing machine and a coin depositing / dispensing machine, and performs depositing / withdrawing processing of banknotes and coins associated with cash withdrawal / payment transactions. Here, the deposit processing means that the banknotes put into the banknote deposit / withdrawal port by the customer are counted by the banknote deposit / withdrawal machine and stored in the safe, and the coins entered into the coin deposit / withdrawal slot are counted by the coin deposit / withdrawal machine. It is to be stored in. In addition, with the withdrawal process, banknotes and coins corresponding to the amount specified by the customer's operation are fed out from the banknote depositing / dispensing machine and coin depositing / dispensing machine safe, respectively. To be delivered to the customer.

  The storage unit 14 is configured by a semiconductor memory, a magnetic disk, or the like, stores information, and can read the stored information. The storage unit 14 implements the present invention in addition to a control program (software) for controlling the operation of the entire automatic transaction apparatus 1, screen data displayed on the customer operation display unit 11, information necessary for transactions performed by the customer, and the like. For storing an electronic money charge program. The operation of this electronic money charge program will be described later using the flowchart of FIG.

  The non-contact type electronic medium reader / writer unit 15 is an IC chip (hereinafter referred to as “non-contact type electronic medium”) built in the electronic medium 5 such as an IC card or a portable terminal. The short-range wireless communication 4 performed between the two is controlled so that information can be exchanged with the non-contact type electronic medium. This non-contact type electronic medium reader / writer unit 15 is disposed, for example, on the front surface of the automatic transaction apparatus 1 that accepts a customer's operation, and when the approach of the non-contact type electronic medium due to the customer's operation is detected, The short-range wireless communication 4 is performed with the IC chip built in.

  The electronic medium 5 is a non-contact type electronic medium or a mobile phone with a built-in non-contact type IC chip, and performs short-range wireless communication 4 with the non-contact type electronic medium reader / writer unit 15 of the automatic transaction apparatus 1. An IC chip including a wireless communication unit, a storage unit such as a memory, and a control unit that controls the entire electronic medium 5 including various operations and the wireless communication unit and the storage unit is incorporated. The electronic medium 5 can also have the function of a cash card of a financial institution such as a bank. The storage unit of the IC chip stores customer identification information for identifying a customer, electronic money in which the value of currency is replaced with electronic information, and the like. In this embodiment, a non-contact type electronic medium is used as the electronic medium 5. However, the present invention is not limited to the non-contact type electronic medium, and is not limited to the non-contact type electronic medium. Or a portable terminal such as a portable notebook personal computer.

  The control unit 16 is configured by a CPU (Central Processing Unit), an MPU (Micro Processing Unit), and the like. The customer operation display unit 11, the card reader / writer unit 12, the deposit / withdrawal unit 13, the storage unit 14, A control program in which the operation of the entire automatic transaction apparatus 1 is stored in the storage unit 14, including a communication unit (not shown) that communicates with the non-contact electronic medium reader / writer unit 15 and the host computer 3 or the like via the network 2. Control based on (software).

The host computer 3 is a higher-level device of the automatic transaction apparatus 1 installed in a business center of a financial institution such as a bank, and is a so-called account management server. The host computer 3 includes a calculation unit such as a CPU, a storage unit such as a semiconductor memory, a communication control unit, and a control unit. The host computer 3 is connected to the automatic transaction apparatus 1 and the like via the network 2 so as to communicate with each other. Has been. In addition, the host computer 3 is a transaction that is a customer's account number, account information such as a personal identification number and balance, personal information such as a customer's name and address, and a history of transactions that the customer has performed at the automatic transaction apparatus 1 or at the counter. Whether the database 31 for managing history information, error information, etc. can be accessed, and transaction messages such as cash withdrawals, cash deposits, transfers, etc. are exchanged with the automatic transaction apparatus 1 to establish customer transactions In addition, the process of the transaction and the process of authenticating the identity of whether the user is the identity of the customer based on the account number of the customer and the password of the customer are performed.

FIG. 2 is a functional block diagram provided in the automatic transaction apparatus for realizing the present invention.
In FIG. 2, the automatic transaction apparatus 1 includes an electronic medium information acquisition unit 101, a designated amount input unit 102, a withdrawal unit 103, an electronic medium identity confirmation unit 104, a charging unit 105, and an electronic medium confirmation unit 106. .

  An electronic medium information acquisition unit 101 performs short-range wireless communication 4 with an IC chip built in the electronic medium 5 by the non-contact type electronic medium reader / writer unit 15 to identify the electronic medium 5 Electronic medium information including an electronic medium identifier and a balance amount of electronic money that can be used in the electronic medium 5 is acquired and stored in a memory. In the present embodiment, the electronic medium 5 will be described as a cash card-integrated electronic wallet having a function as a cash card of a financial institution in addition to a role as an electronic wallet for storing electronic money.

  The designated amount input means 102 inputs a designated amount for charging the electronic medium 5 as electronic money when a customer operates an operation unit such as a touch panel provided in the customer operation display unit 11.

The withdrawal unit 103 extracts the designated amount input by the designated amount input unit 102 from the account corresponding to the electronic medium identifier acquired by the electronic medium information acquisition unit 101.
The electronic medium identity confirmation means 104, before withdrawing the designated amount by the withdrawal means 103, the electronic medium identifier in the electronic medium information obtained by the electronic medium information obtaining means 101 and stored in the memory, and the withdrawal After the specified amount is withdrawn by the gold means 103, it is determined whether or not the electronic medium identifier acquired by the electronic medium information acquisition means 101 is the same. That is, it is confirmed whether or not the electronic medium 5 is replaced before and after the specified amount is withdrawn by the withdrawal means 103.

  The charging means 105 is a non-contact type electronic medium reader when the electronic medium identity confirmation means 104 determines that the electronic medium identifiers before and after the withdrawal are the same, that is, when the electronic medium 5 is not replaced. The writer unit 15 charges the electronic medium 5 with the withdrawal amount withdrawn by the withdrawal means 103.

  Before the withdrawal amount 103 withdraws the specified amount, the electronic medium confirmation unit 106 obtains the electronic medium identifier obtained by the electronic medium information obtaining unit 101 and stored in the memory, and the withdrawal amount by the charging unit 105. After charging, it is confirmed that the electronic medium identifier acquired by the electronic medium information acquisition means 101 is the same. That is, it is confirmed that the electronic medium 5 is not replaced before and after the withdrawal amount is charged by the charging unit 105. The medium confirmation unit 106 determines the identity of the electronic medium identifier after the charging by the charging unit 105 when the electronic medium identity confirmation unit 104 determines that the electronic medium identifiers before and after the withdrawal are the same. The electronic medium identifier to be compared with the electronic medium identifier acquired by the electronic medium information acquisition unit 101 is acquired by the electronic medium information acquisition unit 101 after the specified amount is withdrawn by the withdrawal unit 103. It may be an electronic medium identifier stored in a memory.

FIG. 3 is a flowchart showing the flow of the electronic money charge process to which the present invention is applied.
The electronic money charge process shown in FIG. 3 is performed by the automatic transaction apparatus 1 executing the electronic money charge program stored in the storage unit 14. If the electronic money is normally charged by the electronic money charging process, the transaction history information is also updated when the amount charged to the electronic medium 5 is updated, and the charged electronic money is POS. It is premised that the charge amount and transaction history are updated even when used in a ticket vending machine or the like.

  First, in step S301, whether or not the electronic medium 5 that is a non-contact type electronic medium such as an IC card is held over the non-contact type electronic medium reader / writer unit 15 disposed on the front surface of the automatic transaction apparatus 1, that is, The approach of the electronic medium 5 is detected, and it is determined whether or not the short-range wireless communication 4 is performed with the IC chip built in the electronic medium 5.

  If it is determined that the electronic medium 5 is held over the non-contact type electronic medium reader / writer unit 15 (step S301: YES), the electronic medium stored in the electronic medium 5 for specifying the electronic medium 5 is determined in step S302. Electronic medium information including an identifier, a balance amount of electronic money that can be used in the electronic medium 5 and usage history information indicating a usage history of the electronic medium 5 is read and stored in a memory.

  In step S303, the electronic medium information read in step S302 and the password entered using the customer operation display unit 11 are transmitted to the host computer 3 to indicate that the customer who holds the electronic medium 5 is the person himself / herself. By receiving authentication completion information from the host computer 3, identity verification is performed.

  Next, when the identity is confirmed (step S303: YES), in step S304, the customer operates an operation unit such as a touch panel provided in the customer operation display unit 11 so that the electronic medium 5 is obtained as electronic money. It is determined whether or not a designated amount for charging is input.

  If it is determined that the specified amount has been input (step S304: YES), the specified amount input in step S304 from the account corresponding to the electronic medium identifier acquired by the electronic medium information acquisition unit 101 in step S305. The withdrawal request is transmitted to the host computer 3 so as to withdraw.

  Based on the response received from the host computer 3 in response to the withdrawal request in step S305, it is determined in step S306 whether or not the designated amount input in step S304 can be charged to the electronic medium 5. For example, when there is no balance more than a specified amount in the account, if the specified amount is charged to the electronic medium 5 and exceeds the limit that can be charged to the electronic medium 5, the specified amount is If it exceeds the limit that can be charged at one time, it is determined that charging is not possible. It should be noted that if the specified amount is charged to the electronic medium 5, whether or not the amount that can be charged to the electronic medium 5 is exceeded, a limit amount that the specified amount can be charged at one time is set. The determination as to whether or not it exceeds may be performed before step S305.

  When it is determined in step S306 that charging is not possible (step S306: NO), in step S307, the fact that charging is impossible is output to the output unit included in the customer operation display unit 11, The electronic money charge process is terminated.

On the other hand, if it is determined in step S306 that charging is possible (step S306: YES), in step S308, the non-contact electronic medium reader / writer in which the electronic medium 5 is disposed on the front surface of the automatic transaction apparatus 1 is determined. Whether or not the electronic medium 5 is approached by detecting whether the electronic medium 5 is approached or not is determined whether or not the short-range wireless communication 4 is performed with the IC chip built in the electronic medium 5.

  If it is determined that the electronic medium 5 is held over the non-contact type electronic medium reader / writer unit 15 (step S308: YES), the electronic medium identifier stored in the electronic medium 5 is read and stored in the memory in step S309.

  In step S310, whether or not the electronic medium identifier read in step S302 and stored in the memory is the same as the electronic medium identifier read in step S309, that is, in step S301 before the specified amount is withdrawn. It is determined whether the held electronic medium 5 and the electronic medium 5 held in step S308 after withdrawing the designated amount are the same electronic medium 5.

  Next, when it is determined that the electronic medium 5 held before and after the specified amount is withdrawn is the same (step S310: YES), in step S311, the specified amount input in step S304 is used as the non-contact type electronic medium. The medium reader / writer unit 15 charges the electronic medium 5.

On the other hand, when it is determined that the electronic medium 5 held before and after the specified amount is withdrawn is not the same (step S310: NO), it is determined whether or not it is necessary to re-read. For example, if it is set to perform re-reading within a predetermined number of times or a predetermined time, it is determined that the re-reading is necessary until the predetermined number of times or the predetermined time elapses. Here, the reason for determining that the electronic media 5 are not the same is as follows.
It is conceivable that the electronic medium 5 is replaced while it takes time to process the account to be handled.

  If it is determined that rereading is necessary (step S312: YES), in step S313, a message requesting to hold the electronic medium 5 is displayed, and the process returns to step S309.

  On the other hand, if it is determined that it is not necessary to perform re-reading because the predetermined number of times or the predetermined time has elapsed (step S312: NO), in step S314, the customer operation display unit indicates that charging is impossible. 11 is output to the output unit included in 11, and the electronic money charge process is terminated.

  After the charge is executed in step S311, the electronic medium information of the charged electronic medium 5 is read in step S315. In step S316, the electronic medium identifier read in step S302 and stored in the memory is read in step S315. Whether the electronic medium identifier is the same, that is, whether the electronic medium 5 held in step S301 before charging and the electronic medium 5 held up to immediately after charging are the same electronic medium 5 Judge whether or not. Note that the fact that the charge in step S311 is being executed is the same as the electronic medium 5 held in step S301 and the electronic medium 5 held in step S308, so that in step S316, the electronic medium 5 was read in step S315. The electronic medium identifier to be compared with the electronic medium identifier may be the electronic medium identifier read in step S309 and stored in the memory instead of the electronic medium identifier read in step S302 and stored in the memory.

If it is determined that the electronic medium identifiers read before and after charging are the same (step S316: YES), the electronic money charging process is terminated.
On the other hand, if it is determined that the electronic medium identifiers read before and after charging are not the same (step S316: NO), error processing is executed in step S317. For example, the automatic transaction apparatus 1 is stopped to call an attendant, and the attendant performs a response based on the electronic medium information acquired in step S315 (such as suspension of use of the electronic medium).

FIG. 4 is a flowchart showing the flow of electronic money processing to which the present invention is applied.
The electronic money process shown in FIG. 4 is executed by the host computer 3 that is communicably connected to the automatic transaction apparatus 1.

First, in step S401, the electronic medium information including the electronic medium identifier transmitted from the automatic transaction apparatus 1 in step S303 in FIG.
Next, in step S402, the database 31 is searched based on the electronic medium information received in step S401, and it is determined whether or not the customer who holds the electronic medium 5 is the person himself / herself.

  If the identity cannot be determined in step S402 (step S402: NO), information indicating an authentication error is transmitted to the automatic transaction apparatus 1 in step S403, and the electronic money processing is performed. Exit.

  On the other hand, if it can be determined that the person is the person in step S402 (step S402: YES), in step S404, information indicating the completion of authentication confirmed to be the person in step S402 is transmitted to the automatic transaction apparatus 1. To do.

Next, in step S405, the designated amount transmitted from the automatic transaction apparatus 1 in step S305 in FIG. 3 is received.
In step S406, it is determined whether or not the designated amount can be charged to the electronic medium 5. For example, the database 31 is searched, and it is determined that charging is not possible, for example, when there is no balance more than a specified amount in the account.

  If it is determined that charging is not possible (step S406: NO), information indicating that charging is impossible is transmitted to the automatic transaction apparatus 1 in step S407, and the electronic money processing is performed. finish.

  On the other hand, if it is determined that charging is possible (step S406: YES), in step S408, a specified amount is withdrawn from the account, and a process of subtracting the amount withdrawn from the account (update process) is performed. Execute.

  Then, in step S409, the specified amount withdrawn in step S408 is transmitted to the automatic transaction apparatus 1 in order to charge the electronic medium 5 as electronic money, and the electronic money process is terminated.

  In the above-described embodiment, the electronic medium 5 has been described as a cash card-integrated electronic wallet having a function as a cash card of a financial institution in addition to a role as an electronic wallet for storing electronic money. The electronic wallet function and the cash card function may be separate electronic media 5. That is, the electronic medium 5 may be an integrated electronic wallet charged as electronic money and a cash card for identifying an account and withdrawing a specified amount from the account, or may be separate. . In the case of a separate body, for example, the electronic medium information acquisition unit 101 shown in FIG. 2 acquires the electronic medium information by the non-contact type electronic medium reader / writer unit 15 in step S302 of FIG. The customer information such as the account number is read from the magnetic stripe or IC chip of the cash card inserted by the customer into the card insertion slot.

  Further, in the above-described embodiment, the designated amount for charging as electronic money is drawn from the host computer 3 that manages the account of the financial institution. Instead of this withdrawal process, the customer can use the automatic transaction apparatus 1. It is also possible to directly deposit cash and charge a designated amount of the deposited cash. In this case, for example, instead of the withdrawal means 103 shown in FIG. 2, the automatic transaction apparatus 1 accepts a cash deposit by a customer operation and deposits a designated amount input by the designated amount input means 102. Prepare. Further, instead of the withdrawal process from the host computer 3 that manages the account of the financial institution, the withdrawal may be made from the computer that manages the credit card.

  As mentioned above, although embodiment of this invention was described referring drawings, the automatic transaction apparatus to which this invention is applied is limited to the above-mentioned embodiment, if the function is performed. Needless to say, a single device, a system composed of a plurality of devices, an integrated device, or a system that performs processing via a network such as a LAN or WAN may be used.

  It can also be realized by a system comprising a CPU, ROM or RAM memory connected to the bus, input device, output device, external recording device, medium driving device, portable recording medium, and network connection device. That is, a ROM or RAM memory, an external recording device, or a portable recording medium that records the program code of the software that realizes the system of the above-described embodiment is supplied to the automatic transaction apparatus, and the computer of the automatic transaction apparatus Needless to say, this can also be achieved by reading and executing the program code.

  In this case, the program code itself read from the portable recording medium or the like realizes the novel function of the present invention, and the portable recording medium or the like on which the program code is recorded constitutes the present invention. .

  Examples of portable recording media for supplying program codes include flexible disks, hard disks, optical disks, magneto-optical disks, CD-ROMs, CD-Rs, DVD-ROMs, DVD-RAMs, magnetic tapes, and non-volatile memories. Various recording media recorded through a network connection device (in other words, a communication line) such as a card, a ROM card, electronic mail or personal computer communication can be used.

  In addition, the function of the above-described embodiment is realized by executing the program code read out on the memory by the computer, and the OS running on the computer based on the instruction of the program code is actually used. Some or all of the processing is performed, and the functions of the above-described embodiments are also realized by the processing.

  Furthermore, a program code read from a portable recording medium or a program (data) provided by a program (data) provider is provided in a function expansion board inserted into a computer or a function expansion unit connected to a computer. The CPU of the function expansion board or function expansion unit performs part or all of the actual processing based on the instruction of the program code, and the function of the above-described embodiment is also performed by the processing. Can be realized.

  That is, the present invention is not limited to the embodiment described above, and can take various configurations or shapes without departing from the gist of the present invention.

It is a figure for demonstrating the outline | summary of this invention. It is a functional block diagram with which the automatic transaction apparatus which implement | achieves this invention is provided. It is a flowchart which shows the flow of the electronic money charge process to which this invention is applied. It is a flowchart which shows the flow of the electronic money process to which this invention is applied.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Network 3 Host computer 4 Short-distance wireless communication 5 Electronic medium 11 Customer operation display part 12 Card reader / writer part 13 Deposit / withdrawal part 14 Storage part 15 Non-contact type electronic medium reader / writer part 16 Control part 31 Database 101 Electronic Medium information acquisition means 102 Designated amount input means 103 Withdrawal means 104 Electronic medium identity confirmation means 105 Charging means 106 Electronic medium confirmation means

Claims (6)

In an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging by wireless communication with an electronic medium,
Electronic medium information for acquiring electronic medium information including an electronic medium identifier for identifying the electronic medium by performing wireless communication with the electronic medium, and a balance amount of electronic money usable in the electronic medium, and storing the electronic medium information in a memory Acquisition means;
A designated amount input means for inputting a designated amount for charging the electronic medium as electronic money;
Withdrawing means for withdrawing the designated amount input by the designated amount input means from the account corresponding to the electronic medium identifier obtained by the electronic medium information obtaining means,
Before withdrawing the designated amount by the withdrawal means, the electronic medium identifier stored in the memory by the electronic medium information obtaining means, and after the designated amount has been withdrawn by the withdrawal means, the electronic medium information obtaining means Electronic medium identity confirmation means for determining whether or not the acquired electronic medium identifier is the same;
A charging means for charging the electronic medium with a withdrawal amount withdrawn by the withdrawal means when it is determined by the electronic medium identity confirmation means that the electronic medium identifiers before and after the withdrawal are the same;
Before and after the specified amount is withdrawn by the withdrawal means, the electronic medium identifier stored in the memory by the electronic medium information obtaining means, and the electronic medium information acquisition after the withdrawal amount is charged by the charging means An electronic medium confirmation means for confirming that the electronic medium identifier acquired by the means is the same;
An automatic transaction apparatus comprising:   2. The automatic transaction apparatus according to claim 1, wherein the automatic transaction apparatus is stopped when the electronic medium identification unit cannot confirm that the electronic medium identifiers before and after the charge are the same. In the electronic medium, an electronic wallet in which the withdrawal amount is charged as the electronic money and a cash card for specifying the account and withdrawing the designated amount from the account are integrated.
3. The automatic transaction apparatus according to claim 1, wherein the withdrawal unit withdraws the designated amount from the account corresponding to the account information of the cash card function in the electronic medium. The electronic medium is separate from an electronic wallet in which the withdrawal amount is charged as the electronic money and a cash card for identifying the account and withdrawing the designated amount from the account,
The electronic medium information acquisition means acquires account information including a cash card identifier for specifying the cash card by performing wireless communication with the cash card,
3. The automatic transaction apparatus according to claim 1, wherein the withdrawal unit extracts the designated amount from the account corresponding to the account information. In an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging by wireless communication with an electronic medium,
Electronic medium information for acquiring electronic medium information including an electronic medium identifier for identifying the electronic medium by performing wireless communication with the electronic medium, and a balance amount of electronic money usable in the electronic medium, and storing the electronic medium information in a memory Acquisition means;
A designated amount input means for inputting a designated amount for charging the electronic medium as electronic money;
Depositing means for depositing the designated amount input by the designated amount input means out of the cash received by the customer's operation;
Before depositing the designated amount by the depositing means, the electronic medium identifier stored in the memory by the electronic medium information obtaining unit, and after depositing the designated amount by the depositing means, obtained by the electronic medium information obtaining unit Electronic medium identity confirmation means for determining whether or not each electronic medium identifier is the same,
When the electronic medium identity confirmation means determines that the electronic medium identifiers before and after the deposit are the same, charging means for charging the electronic medium with the deposited amount deposited by the deposit means;
Before and after depositing the specified amount by the depositing unit, after acquiring the electronic medium identifier stored in the memory by the electronic medium information acquiring unit and after charging the deposit amount by the charging unit, acquiring the electronic medium information An electronic medium confirmation means for confirming that the electronic medium identifier acquired by the means is the same;
An automatic transaction apparatus comprising: An electronic money charging method that is executed in an automatic transaction apparatus that is connected to an account management server that manages an account via a network and performs electronic money charging by wireless communication with an electronic medium,
Electronic medium information including an electronic medium identifier for identifying the electronic medium by performing the first wireless communication with the electronic medium and a balance amount of electronic money usable in the electronic medium is acquired and stored in a memory. And
Enter the specified amount to charge the electronic medium as electronic money,
Withdrawing the input designated amount from the account corresponding to the electronic medium identifier acquired by the first wireless communication,
Obtaining an electronic medium identifier for identifying the electronic medium by performing a second wireless communication with the electronic medium;
Determining whether the electronic medium identifier acquired by the first wireless communication and stored in the memory is the same as the electronic medium identifier acquired by the second wireless communication;
When it is determined that the two electronic medium identifiers acquired by the first and second wireless communications are the same, the withdrawn money is charged to the electronic medium and is determined not to be the same. And requesting the electronic medium having the electronic medium identifier obtained by the first wireless communication,
Obtaining an electronic medium identifier for identifying the electronic medium by performing a third wireless communication with the electronic medium;
Confirm that the electronic medium identifier stored in the memory by the first and second wireless communication is the same as the electronic medium identifier acquired by the third wireless communication,
When it is determined that the two electronic medium identifiers acquired by the first or second and third wireless communication are not the same, the automatic transaction apparatus is stopped.
The electronic money charge method characterized by the above-mentioned.

Images