Automated trading system and loss setting method

Abstract

To enable the deactivation of lost media without requiring operator intervention. [Solution] The automated trading system includes an automated trading device and a host computer. The automated trading device includes a display unit that displays a lost medium selection screen in which the customer selects a lost medium from among a plurality of media used in trading, an input unit that receives input from the customer for the selection of a lost medium on the lost medium selection screen displayed by the display unit, and a communication unit that transmits information about the lost medium selected by the input unit to the host computer. The host computer includes a communication unit that receives information about the lost medium transmitted by the automated trading device, and a loss setting unit that sets the use of the lost medium to be disabled based on the information about the lost medium received by the communication unit.

Description

Technical Field

[0001] The present invention relates to an automatic transaction system and a loss setting method.

Background Art

[0002] When media such as cash cards, passbooks, and notification seals used in transactions of financial institutions such as banks are lost or stolen, in order to prevent unauthorized use by malicious third parties, it is necessary to stop the use of the lost media (lost media) at an early stage.

[0003] The use stop of the lost media is performed, for example, as follows.

[0004] A customer who has lost the media requests the operator of the business consignment company of the financial institution of the lost media to stop using the lost media by phone. At this time, the operator interviews the customer for information necessary to stop using the lost media (subject of the account of the lost media, store number, account number, customer's date of birth, address, phone number, etc.), and operates the accounting terminal to query the accounting host computer. If the content of the interviewed information is correct, the operator operates the accounting terminal to perform a loss setting (setting to stop using the lost media) on the accounting host computer.

[0005] In addition, there is a method not only to stop the use of only the lost media but also to stop the financial transactions of the account of the lost media (see, for example, Patent Document 1). According to this method, for example, when a cash card is lost, since the financial transactions of the account of the lost cash card are stopped, not only the financial transactions by the lost cash card but also the financial transactions by the non-lost passbook etc. can be stopped.

Prior Art Documents

Patent Documents

[0006]

Patent Document 1

Summary of the Invention

[0007] As described above, when a customer requests an operator to deactivate a lost media by phone, if the operator makes a mistake such as mishearing or missing information during the customer interview, or makes an error operating the accounting terminal, and a different media than the lost media is mistakenly deactivated, the following problems may occur. Until the lost media is deactivated, there is a risk that it may be acquired (for example, found) and misused by a malicious third party. • Media that has been mistakenly deactivated cannot be used until the financial institution lifts the deactivation, even though it should be usable in the first place. • The outsourced company will need to handle post-incident procedures such as reporting the incident to the financial institution. • Preventive measures are necessary to avoid operator errors. For example, a system and operational manual are needed, such as having two people check for errors in customer interviews and operations on accounting terminals.

[0008] In view of the above circumstances, the present invention aims to provide an automated trading system and a loss setting method that can stop the use of lost media without the need for an operator. [Means for solving the problem]

[0009] One aspect of the system is an automated trading system including an automated trading device and a host computer, wherein the automated trading device includes a display unit that displays a lost medium selection screen in which the customer selects a lost medium from among a plurality of media used in trading, an input unit that receives input from the customer for the selection of the lost medium on the lost medium selection screen displayed by the display unit, and a communication unit that transmits information regarding the lost medium selected by the input unit to the host computer, and the host computer includes a communication unit that receives information regarding the lost medium transmitted by the automated trading device, and a loss setting unit that sets the use of the lost medium to be disabled based on the information regarding the lost medium received by the communication unit.

[0010] One aspect of the method is a method for setting loss, characterized in that the automated trading device displays a lost medium selection screen in which the customer selects a lost medium from among a plurality of media used in trading, the device receives input from the customer for the selection of the lost medium on the displayed lost medium selection screen, transmits information about the lost medium for which the input was received to a host computer, the host computer receives the information about the lost medium transmitted by the automated trading device and sets the use of the lost medium to be disabled based on the received information about the lost medium. [Effects of the Invention]

[0011] According to the present invention, the use of a lost medium can be stopped without the need for an operator. [Brief explanation of the drawing]

[0012] [Figure 1] This diagram illustrates the configuration of an automated trading system. [Figure 2] This diagram illustrates the functional configuration of an automated trading system. [Figure 3] This diagram illustrates the external configuration of an automated trading system. [Figure 4] This diagram illustrates the hardware configuration of an automated trading system. [Figure 5] It is a diagram illustrating the hardware configuration of a host computer. [Figure 6A] It is a flowchart illustrating the flow of processing performed by an automated transaction device together with an example of a display screen. [Figure 6B] It is a flowchart illustrating the flow of processing performed by an automated transaction device together with an example of a display screen. [Figure 6C] It is a flowchart illustrating the flow of processing performed by an automated transaction device together with an example of a display screen. [Figure 6D] It is a flowchart illustrating the flow of processing performed by an automated transaction device together with an example of a display screen. [Figure 7A] It is a diagram showing an example of a display screen. [Figure 7B] It is a diagram showing an example of a display screen. [Figure 7C] It is a diagram showing an example of a display screen. [Figure 8] It is a diagram illustrating a combination of a medium owned by a customer, a medium lost by the customer, and a medium that can be inserted into an automated transaction device for personal identification.

Embodiments for Carrying Out the Invention

[0013] Hereinafter, embodiments of the present invention will be described with reference to the drawings.

[0014] FIG. 1 is a diagram illustrating the configuration of an automated transaction system.

[0015] The automated transaction system 1 illustrated in FIG. 1 includes a plurality of automated transaction devices 2 and a host computer 3. The plurality of automated transaction devices 2 and the host computer 3 are connected to a communication network 4 by wire or wirelessly, and for example, the automated transaction device 2 and the host computer 3 can communicate via the communication network 4.

[0016] The automated trading device 2 is, for example, an ATM (Automatic Teller Machine) installed in the branches of financial institutions such as banks or in convenience stores. The host computer 3 is the accounting host computer of a financial institution. The communication network 4 includes wired and / or wireless communication networks, and includes, for example, one or more of the following: LAN (Local Area Network), WAN (Wide Area Network), the Internet, and dedicated communication networks.

[0017] Figure 2 illustrates the functional configuration of an automated trading system. Note that Figure 2 shows only one automated trading device 2. Furthermore, the functional configuration illustrated in Figure 2 only shows the functions primarily relevant to the deactivation of lost media.

[0018] In the automated trading system 1 illustrated in Figure 2, the automated trading device 2 comprises a display unit 21, an input unit 22, and a communication unit 23. The display unit 21 displays a lost media selection screen that allows the customer to select the lost media from among multiple media used in transactions. The multiple media include, for example, two or more of the following: a cash card, a passbook, and a registered seal. The input unit 22 receives the customer's selection input for the lost media on the lost media selection screen displayed by the display unit 21. The communication unit 23 transmits information about the lost media selected by the input unit 22 to the host computer 3. The information about the lost media includes, for example, if the lost media is a cash card or a passbook, information that the lost media is a cash card or a passbook, the reason for the loss of the lost media, and information about the account type, branch number, and account number of the lost media; and if the lost media is a registered seal, information that the lost media is a registered seal and the reason for the loss of the lost media.

[0019] The host computer 3 includes a communication unit 31 and a loss setting unit 32. The communication unit 31 receives information about the lost medium transmitted by the automated trading device 2. The loss setting unit 32 sets the use of the lost medium to disabled based on the information about the lost medium received by the communication unit 31.

[0020] Furthermore, in the automated trading device 2, the input unit 22 may further receive input from the customer for the name of the financial institution of the lost medium, and the automated trading device 2 may further include a card processing unit 24, a passbook processing unit 25, and an error notification unit 26. The card processing unit 24 receives a cash card from the same financial institution as the lost medium and retrieves the name of the financial institution from the cash card. The passbook processing unit 25 receives a passbook from the same financial institution as the lost medium and retrieves the name of the financial institution from the passbook. The error notification unit 26 issues an error notification if the name of the financial institution received by the input unit 22 differs from the name of the financial institution obtained by the card processing unit 24 or the passbook processing unit 25.

[0021] Figure 3 is a diagram illustrating the external configuration of an automated trading system.

[0022] The automated transaction device 2 illustrated in Figure 3 includes a passbook insertion / discharge unit 201, a card insertion / discharge unit 202, a coin deposit / withdrawal unit 203, a banknote deposit / withdrawal unit 204, a display input unit 205, and a speaker 206.

[0023] The passbook insertion / discharge unit 201 accepts and returns passbooks. The card insertion / discharge unit 202 accepts and returns cards used for transactions (such as cash cards) and My Number cards. The card insertion / discharge unit 202 also dispenses receipts with transaction details printed on them. The coin deposit / withdrawal unit 203 accepts deposited coins and dispenses withdrawn coins. The banknote deposit / withdrawal unit 204 accepts deposited banknotes and dispenses withdrawn banknotes. The display input unit 205 displays various screens and accepts input operations from customers (users). The speaker 206 outputs voice guidance for operation, alarm sounds, and warning sounds.

[0024] Figure 4 illustrates the hardware configuration of an automated trading system.

[0025] The automated transaction device 2 illustrated in Figure 4 comprises a control unit 211, the aforementioned display input unit 205, a card processing unit 212, a passbook processing unit 213, a banknote processing unit 214, a coin processing unit 215, a receipt printing processing unit 216, and an audio output unit 217.

[0026] The control unit 211 includes a processor 221, memory 222, communication interface 223, graphics processing unit 224, storage device 225, and input / output interface 226, which are interconnected by a bus 227.

[0027] The processor 221 may be a single processor, a multi-processor, or a multi-core processor. The processor 221 performs various processes (for example, the processes exemplified in Figures 6A, 6B, 6C, and 6D described later) by executing various programs such as the OS (Operating System) and applications. The processor 221 provides, for example, the function of the error notification unit 26 described above.

[0028] Memory 222 includes RAM (Random Access Memory) and ROM (Read Only Memory). RAM is used as a working memory area for the processor 221. ROM stores programs executed by the processor 221 and data necessary for program execution.

[0029] The communication interface 223 is connected to a communication network (e.g., communication network 4) by wire or wireless connection and communicates with an external device (e.g., host computer 3) via the communication network. The communication interface 223 provides, for example, the functions of the communication unit 23 described above.

[0030] The graphics processing unit 224 is connected to the display device 231 of the display input unit 205 and displays various screens on the display device 231 according to control signals from the processor 221.

[0031] The storage device 225 may be, for example, an HDD (Hard Disk Drive) or an SSD (Solid State Drive). The storage device 225 may store programs executed by the processor 221, data necessary for program execution, and so on.

[0032] The input / output interface 226 is connected to the touch panel 232 of the display input unit 205, the card processing unit 212, the passbook processing unit 213, the banknote processing unit 214, the coin processing unit 215, the receipt printing processing unit 216, and the audio output unit 217. The input / output interface 226 performs signal input and output between these touch panel 232 and each unit and the processor 221. The input / output interface 226 may also be further connected to a portable storage medium interface that enables writing and reading information to and from a portable storage medium.

[0033] The display input unit 205 is a touch panel display comprising a display device 231 and a touch panel 232 disposed on the display device 231. The display device 231 is, for example, an LCD (Liquid Crystal Display) and displays various screens (for example, the screens exemplified in Figures 6A, 6B, 6C, 6D, 7A, 7B, and 7C described later). The display device 231 provides, for example, the functions of the display unit 21 described above. The touch panel 232 detects input operations to the touch panel 232 and outputs a signal to the processor 411 according to the detection result. The touch panel 232 provides, for example, the functions of the input unit 22 described above.

[0034] The card processing unit 212 takes in cards (such as cash cards and My Number cards) received by the card insertion / discharge unit 202, reads and writes information to the IC chip and magnetic stripe on the inserted card, and ejects the inserted card from the card insertion / discharge unit 12. The card processing unit 212 provides, for example, the functions of the card processing unit 24 described above.

[0035] The passbook processing unit 213 takes in passbooks received by the passbook insertion / discharge unit 201, reads and writes information to the magnetic stripe on the taken passbook, makes entries in the taken passbook, and ejects the taken passbook from the passbook insertion / discharge unit 201. The passbook processing unit 213 provides, for example, the functions of the passbook processing unit 25 described above.

[0036] The banknote processing unit 214 deposits and withdraws banknotes from the banknote deposit / withdrawal unit 204. It also performs banknote authentication, storage, and replenishment. The coin processing unit 215 deposits and withdraws coins from the coin deposit / withdrawal unit 203. It also performs coin authentication, storage, and replenishment.

[0037] The receipt printing unit 216 prints transaction details onto a receipt and ejects it from the card insertion / ejection unit 202. The voice output unit 217 outputs voice guidance, alarm sounds, and warning sounds from the speaker 206.

[0038] Figure 5 is a diagram illustrating the hardware configuration of a host computer.

[0039] The host computer 3 illustrated in Figure 5 includes a processor 301, memory 302, input device 303, output device 304, storage device 305, portable storage medium drive device 306, and communication interface 307, which are interconnected by a bus 308.

[0040] The processor 301 may be a single processor, a multi-processor, or a multi-core processor. The processor 301 performs various processes (for example, processes performed by the host computer 3 described later) by executing various programs such as the OS and applications. The processor 301 provides, for example, the functions of the loss setting unit 32 described above.

[0041] Memory 302 includes RAM and ROM. RAM is used as a working memory area for the processor 301. ROM stores programs executed by the processor 301 and data necessary for program execution.

[0042] The input device 303 is a keyboard, mouse, touch panel, etc. The output device 304 is an LCD, etc.

[0043] The storage device 305 is an HDD, SSD, etc. The portable storage medium drive 306 drives the portable storage medium 306a and accesses its stored contents. The portable storage medium 306a is a memory device, flexible disk, optical disk, magneto-optical disk, etc., and also includes CD-ROM (Compact Disc Read Only Memory), DVD (Digital Versatile Disc), Blu-ray disc, USB (Universal Serial Bus) memory, etc.

[0044] The communication interface 307 is connected to a communication network (e.g., communication network 4) by wire or wireless connection and communicates with an external device (e.g., automated trading device 2) via the communication network. The communication interface 307 provides, for example, the functions of the communication unit 31 described above.

[0045] In the host computer 3, the programs executed by the processor 301 and the data necessary for program execution are not limited to the ROM of memory 302, but may also be stored in the storage device 305 or the portable storage medium 306a, or two or more of the ROM of memory 302, the storage device 305, and the portable storage medium 306a may be stored. Furthermore, the programs executed by the processor 301 and the data necessary for program execution may be stored in either or both of the storage device 305 and the portable storage medium 306a via a communication network and communication interface 307 from an external device.

[0046] Furthermore, the host computer 3 is not limited to the configuration illustrated in Figure 5; it may be configured with multiple of the elements illustrated in Figure 5, or with some elements omitted. For example, the host computer 3 does not need to have an input device 303 or an output device 304.

[0047] Next, we will explain the processes performed in the automated trading system 1. Here, as an example, we will explain the processes performed when the use of lost media is stopped, focusing on the processes performed in the automated trading device 2.

[0048] Figure 6 (Figures 6A, 6B, 6C, and 6D) is a flowchart illustrating the processing flow performed by the automated trading device, along with an example of the display screen. Figure 7 (Figures 7A, 7B, and 7C) shows an example of the display screen. Figure 8 illustrates a combination of media owned by the customer, media lost by the customer, and media that can be inserted into the automated trading device for identity verification.

[0049] When the automated trading device 2 detects a customer approaching, for example, using a human presence sensor (not shown), it starts the process illustrated in Figure 6.

[0050] First, the automated trading device 2 displays the transaction type selection screen 241 on the display input unit 205 (display device 231) as illustrated in Figure 6A (S101). The transaction type selection screen 241 is a screen that allows the customer to select their desired transaction type from among several transaction types. The customer can select their desired transaction type by pressing the button corresponding to their desired transaction type from among the buttons corresponding to each of the multiple transaction types included in the transaction type selection screen 241. Specifically, by pressing the "Deposit" button 241a, the customer can select "Deposit" as the transaction type; by pressing the "Withdrawal" button 241b, the customer can select "Withdrawal" as the transaction type; by pressing the "Balance Inquiry" button 241c, the customer can select "Balance Inquiry" as the transaction type; and by pressing the "Lost Media Stop" button 241d, the customer can select "Lost Media Stop" as the transaction type.

[0051] If the customer presses the "Stop Lost Media" button 241d on the transaction type selection screen 241, the automated trading device 2 then displays the lost media stop guidance screen 242 on the display input unit 205 (S102). The lost media stop guidance screen 242 is a screen that guides the customer on stopping the lost media and has a "Confirm" button 242a and a "Cancel" button 242b. The customer can proceed to the next step by pressing the "Confirm" button 242a, or cancel the "Stop Lost Media" transaction by pressing the "Cancel" button 242b. If the "Cancel" button 242b is pressed, the "Stop Lost Media" transaction is canceled and the process returns to S101.

[0052] If the customer presses the "Confirm" button 242a on the Lost Media Stop Notification Screen 242, the automated transaction device 2 then displays the Lost Media Selection Screen 243 on the display input unit 205 (S103). The Lost Media Selection Screen 243 is a screen that allows the customer to select the lost media from among several media. The customer can select the lost media by pressing the button corresponding to the lost media from among the buttons corresponding to each of the multiple media included on the Lost Media Selection Screen 243. Specifically, by pressing the "Cash Card" button 243a, the customer can select "Cash Card" as the lost media; by pressing the "Passbook" button 243b, the customer can select "Passbook" as the lost media; and by pressing the "Seal" button 243c, the customer can select "Registered Seal" as the lost media. The Lost Media Selection Screen 243 also has a "Cancel" button 243d, and the customer can cancel the "Lost Media Stop" transaction by pressing the "Cancel" button 243d. If the "Cancel" button 243d is pressed, the "Stop Lost Media" transaction is canceled, and the process returns to S101.

[0053] If the customer presses the "cash card" button 243a, the "passbook" button 243b, or the "seal" button 243c on the lost media selection screen 243, the automated transaction device 2 then displays the loss reason selection screen 244 on the display input unit 205, as illustrated in Figure 6B (S104). The loss reason selection screen 244 displays a message such as "Please select the reason for the loss of XX," allowing the customer to select the appropriate loss reason from among several loss reasons. Note that "XX" in the message is shown for explanatory purposes only and will actually be replaced with the media selected as the lost media on the lost media selection screen 243 displayed in S103 (for example, "cash card"). The customer can select the appropriate loss reason by pressing the button corresponding to the loss reason from among the buttons corresponding to each of the multiple loss reasons included on the loss reason selection screen 244. Specifically, by pressing the "Lost" button 244a, the user can select "Lost" as the reason for loss; by pressing the "Stolen" button 244b, the user can select "Stolen" as the reason for loss; and by pressing the "Burn" button 244c, the user can select "Burn" as the reason for loss. The loss reason selection screen 244 also has a "Cancel" button 244d, and by pressing the "Cancel" button 244d, the customer can cancel the "Lost Media Stop" transaction. If the "Cancel" button 244d is pressed, the "Lost Media Stop" transaction is canceled, and the process returns to S101.

[0054] If the customer presses the "Lost" button 244a, the "Stolen" button 244b, or the "Burn" button 244c on the Loss Reason Selection Screen 244, the automated transaction device 2 then displays the Lost Media Financial Institution Selection Screen 245 on the display input unit 205 (S105). The Lost Media Financial Institution Selection Screen 245 displays the message "Please select the financial institution of the XX that caused ▲▲" and allows the customer to select the appropriate financial institution (the financial institution of the lost media) from among several financial institutions. Note that "▲▲" and "XX" in the message are shown for explanatory purposes only; in reality, "▲▲" is replaced with the loss reason selected on the Loss Reason Selection Screen 244 displayed in S104 (for example, "Lost"), and "XX" is replaced with the media selected as the lost media on the Lost Media Selection Screen 243 displayed in S103 (for example, "Cash Card"). The customer can select a financial institution by pressing the button corresponding to the appropriate financial institution from among the buttons corresponding to each of the multiple financial institutions included on the Lost Media Financial Institution Selection Screen 245. Specifically, for example, by pressing the "Bank A" button 245a, "Bank A" can be selected as the financial institution; by pressing the "Bank B" button 245b, "Bank C" can be selected as the financial institution; by pressing the "Bank C" button 245c, "Bank C" can be selected as the financial institution; by pressing the "Credit Union A" button 245d, "Credit Union A" can be selected as the financial institution; by pressing the "Credit Bank A" button 245e, "Credit Bank A" can be selected as the financial institution; by pressing the "Agricultural Cooperative" button 245f, "Agricultural Cooperative" can be selected as the financial institution; by pressing the "Central Bank A" button 245g, "Central Bank A" can be selected as the financial institution; and by pressing the "Post Office" button 245h, "Post Office" can be selected as the financial institution. In addition, the lost media financial institution selection screen 245 has a "Cancel" button 245i, and the customer can cancel the "Lost Media Stop" transaction by pressing the "Cancel" button 245i. If the "Cancel" button 245i is pressed, the "Stop Lost Media" transaction is canceled, and the process returns to S101.

[0055] If a customer presses one button from among the buttons corresponding to each of several financial institutions on the Lost Media Financial Institution Selection Screen 245, the automated transaction device 2 then displays the Lost Media Confirmation Screen 246 on the display input unit 205 (S106). The Lost Media Confirmation Screen 246 displays a message such as "It appears that the XX of ●● was ▲▲," allowing the customer to confirm the lost media, the reason for the loss of the lost media, and the financial institution of the lost media. Note that "●●," "〇〇," and "▲▲" in the message are shown for explanatory purposes only. In reality, "●●" is replaced with the financial institution selected on the Lost Media Financial Institution Selection Screen 245 displayed in S105 (for example, "Bank A"), "〇〇" is replaced with the media selected as the lost media on the Lost Media Selection Screen 243 displayed in S103 (for example, "cash card"), and "▲▲" is replaced with the reason for loss selected on the Reason for Loss Selection Screen 244 displayed in S104 (for example, "lost"). The lost media confirmation screen 246 also has a "Confirm" button 246a and a "Cancel" button 246b. By pressing the "Confirm" button 246a, the customer can proceed to the next step, and by pressing the "Cancel" button 246b, the customer can cancel the "Stop Lost Media" transaction. If the "Cancel" button 246b is pressed, the "Stop Lost Media" transaction is canceled, and the process returns to S101.

[0056] If the customer presses the "Confirm" button 246a on the lost media confirmation screen 246, the automated transaction device 2 then displays the identity verification media insertion screen 247 on the display input unit 205, as illustrated in Figure 6C (S107). The identity verification media insertion screen 247 displays the message "Please insert a cash card or passbook from the same financial institution as the XX to be deactivated, or insert a My Number Card" for identity verification. Note that "XX" in the message is shown for explanatory purposes only and will actually be replaced with the media selected as the lost media on the lost media selection screen 243 displayed in S103 (for example, "cash card"). The identity verification media insertion screen 247 also has a message display field 247a. The message display field 247a displays the following messages depending on the media selected as the lost media on the lost media selection screen 243 displayed in S103. If the medium selected as the lost medium is a cash card, the message "If it's a cash card ▲▲, insert your passbook or My Number Card" will be displayed. If the medium selected as the lost medium is a passbook, the message "If it's a passbook ▲▲, insert your cash card or My Number Card" will be displayed. If the medium selected as the lost medium is a registered seal, the message "If it's a seal ▲▲, insert your cash card, passbook, or My Number Card" will be displayed. Note that "▲▲" in the message is shown for explanatory purposes only and will actually be replaced with the reason for loss selected on the loss reason selection screen 244 displayed in S104 (for example, "Lost").

[0057] The combinations of media owned by the customer, media lost by the customer, and media that can be inserted into the automated trading device 2 for identity verification are illustrated in Figure 8. For example, if the only media owned by the customer is a cash card and that cash card is lost, the only media that can be inserted into the automated trading device 2 for identity verification is the My Number Card. Alternatively, for example, if the media owned by the customer are a cash card, a passbook, and a registered seal, and only the cash card is lost, the media that can be inserted into the automated trading device 2 for identity verification will be the passbook or the My Number Card. In either case, the registered seal cannot be used as media that can be inserted into the automated trading device 2 for identity verification.

[0058] Furthermore, the identity verification media insertion screen 247 has a "Cancel" button 247b, and the customer can cancel the "Lost Media Stop" transaction by pressing the "Cancel" button 247b. If the "Cancel" button 247b is pressed, the "Lost Media Stop" transaction is canceled, and the process returns to S101.

[0059] On the identity verification media insertion screen 247, if the customer inserts a medium (cash card, passbook, or My Number card) according to the message displayed in the message display field 247a, the automated transaction device 2 then checks the inserted medium (inserted medium) (S108). Specifically, if the inserted medium is a cash card or passbook, the device determines whether the name of the financial institution read from the inserted medium matches the name of the financial institution selected on the lost medium financial institution selection screen 245 displayed in S105. If they match, the inserted medium is OK; otherwise, the inserted medium is NG. Alternatively, if the inserted medium is a My Number card, the inserted medium is OK.

[0060] Next, the automated transaction device 2 determines whether the result of the check in S108 is OK or OK for the inserted medium (S109). If the result of the determination in S109 is NO (inserted medium is NG), the automated transaction device 2 returns the inserted medium from the card insertion / discharge unit 202 or the passbook insertion / discharge unit 201 (S110) and issues an error notification (S111). In the error notification in S111, for example, a warning sound is output from the speaker 206 and a message indicating that the selected financial institution and the financial institution of the inserted medium are different is displayed on the display input unit 205. After S111, the process illustrated in Figure 6 is completed.

[0061] On the other hand, if the result of the judgment in S109 is YES (the inserted medium is OK), the automated transaction device 2 displays a PIN input screen (not shown) on the display input unit 205 (S112). The PIN input screen is where the PIN of the inserted medium is entered. If the inserted medium is a cash card, the PIN of the cash card is entered; if the inserted medium is a passbook, the PIN of the passbook is entered; and if the inserted medium is a My Number Card, the PIN of the My Number Card is entered.

[0062] If the customer enters the PIN for the inserted medium on the PIN entry screen, the automated transaction device 2 then displays an inquiry screen (not shown) on the display input unit 205 and sends an inquiry message for identity verification to the host computer 3 (S113). The inquiry screen displays a message indicating that an inquiry is being made for identity verification. The inquiry message includes inquiry information corresponding to the inserted medium. Specifically, if the inserted medium is a cash card or passbook, it includes inquiry information relating to the financial institution number (e.g., bank number), branch number, and account number read from the cash card or passbook, the PIN entered on the PIN entry screen displayed in S112, and the name of the financial institution selected on the lost medium financial institution selection screen displayed in S105. If the inserted medium is a My Number Card, the information includes the name, address, date of birth, and gender read from the My Number Card, the PIN entered on the PIN input screen displayed in S112, and the name of the financial institution selected on the lost medium financial institution selection screen displayed in S105.

[0063] Although not shown in the diagram, when the host computer 3 receives an inquiry message from the automated trading device 2, it performs identity verification based on the inquiry information contained in the message. In this example, assuming that identity verification is successful, the host computer 3 sends a notification to the automated trading device 2 stating that identity verification has been completed.

[0064] When the automated trading device 2 receives notification from the host computer 3 that identity verification has been completed, it then performs processing according to the lost medium (the medium selected as the lost medium on the lost medium selection screen displayed in S103) as illustrated in Figure 6D (S114).

[0065] More specifically, in S114 when the lost medium is a cash card, the automated transaction device 2 accepts the selection or input of the account type, branch number, and account number of the lost medium, which is the cash card. More specifically, the automated transaction device 2 first displays the cash card deactivation account selection screen 248, illustrated in Figure 7A, on the display input unit 205. The cash card deactivation account selection screen 248 is a screen that allows the customer to select the account type of the lost medium (cash card) from among several accounts. The customer can select the account type of the lost medium by pressing the button corresponding to the account type of the lost medium from among the buttons corresponding to each of the several accounts included in the cash card deactivation account selection screen 248. Specifically, by pressing the "Normal" button 248a, the customer can select "Normal" as the account type of the lost medium, and by pressing the "Savings" button 248b, the customer can select "Savings" as the account type of the lost medium. Furthermore, the cash card suspension account selection screen 248 has a "Cancel" button 248c, and the customer can cancel the "Lost Media Suspension" transaction by pressing the "Cancel" button 248c. If the "Cancel" button 248c is pressed, the "Lost Media Suspension" transaction is canceled, and the process returns to S101.

[0066] If the customer presses the "Normal" button 248a or the "Savings" button 248b on the Cash Card Suspension Account Selection Screen 248, the automated transaction device 2 then displays the Cash Card Suspension Branch Number Input Screen 249, as illustrated in Figure 7A, on the display input unit 205. The Cash Card Suspension Branch Number Input Screen 249 displays the message, "Please enter the branch number of the Cash Card to be suspended (▼▼ account) and press Confirm," prompting the customer to enter the branch number of the lost medium (Cash Card). Note that "▼▼" in the message is shown for explanatory purposes only, and in reality, "▼▼" will be replaced with the account selected on the Cash Card Suspension Account Selection Screen 248 (for example, "Normal"). The Cash Card Suspension Branch Number Input Screen 249 has a numeric keypad 249a and a branch number input field 249b, and the customer can enter the branch number of the lost medium into the branch number input field 249b by pressing the numeric keypad 249a. Furthermore, the cash card deactivation branch number input screen 249 has a "Confirm" button 249c, a "Correct" button 249d, and a "Cancel" button 249e. By pressing the "Confirm" button 249c, the customer can proceed to the next step; by pressing the "Correct" button 249d, the customer can correct the entered branch number; and by pressing the "Cancel" button 249e, the customer can cancel the "Deactivate Lost Media" transaction. If the "Cancel" button 249e is pressed, the "Deactivate Lost Media" transaction is canceled, and the process returns to S101.

[0067] If the customer enters the branch number on the cash card deactivation branch number input screen 249 and presses the "Confirm" button 249c, the automated transaction device 2 then displays the cash card deactivation account number input screen 250, as illustrated in Figure 7A, on the display input unit 205. The cash card deactivation account number input screen 250 displays the message, "Please enter the account number of the cash card to be deactivated (▼▼ category) and press Confirm," prompting the customer to enter the account number of the lost medium (cash card). Note that "▼▼" in the message is shown for explanatory purposes only, and in reality, "▼▼" will be replaced with the category selected on the cash card deactivation category selection screen 248 (for example, "Ordinary"). The cash card deactivation account number input screen 250 has a numeric keypad 250a and an account number input field 250b, and the customer can enter the account number of the lost medium into the account number input field 250b by pressing the numeric keypad 250a. Furthermore, the ATM card suspension account number input screen 250 has a "Confirm" button 250c, a "Correct" button 250d, and a "Cancel" button 250e. By pressing the "Confirm" button 250c, the customer can proceed to the next step; by pressing the "Correct" button 250d, the customer can correct the entered account number; and by pressing the "Cancel" button 250d, the customer can cancel the "Lost Media Suspension" transaction. If the "Cancel" button 250d is pressed, the "Lost Media Suspension" transaction is canceled, and the process returns to S101.

[0068] If the customer enters an account number on the cash card suspension account number input screen 250 and presses the "Confirm" button 250c, the automated transaction device 2 then displays the cash card suspension confirmation screen 251, as illustrated in Figure 7A, on the display input unit 205. The cash card suspension confirmation screen 251 displays a message such as "We will suspend the use of your cash card. Please check the entered information and press Confirm if you agree," and prompts the customer to confirm the subject "▼▼", branch number "▽▽", and account number "×××××××". Note that "▼▼", "▽▽", and "×××××××" are shown for explanatory purposes only. In reality, "▼▼" will be replaced with the account selected on the Cash Card Suspension Account Selection Screen 248 (for example, "Ordinary"), "▽▽" will be replaced with the branch number entered on the Cash Card Suspension Branch Number Input Screen 249, and "×××××××" will be replaced with the account number entered on the Cash Card Suspension Account Number Input Screen 250.

[0069] Furthermore, the cash card suspension confirmation screen 251 has a "Confirm" button 251a, a "Correct" button 251b, a "Correct" button 251c, a "Correct" button 251d, and a "Cancel" button 251e. By pressing the "Confirm" button 251a, the customer can proceed to the next step; by pressing the "Correct" button 251b, the customer can correct the selected account; by pressing the "Correct" button 251c, the customer can correct the entered store number; by pressing the "Correct" button 251d, the customer can correct the entered account number; and by pressing the "Cancel" button 251e, the customer can cancel the "Lost Media Suspension" transaction. If the "Correct" button 251b is pressed, the cash card suspension account selection screen 248 is redisplayed, and the selected account is corrected (re-selected). If the "Correct" button 251c is pressed, the cash card suspension branch number input screen 249 is redisplayed, and the entered branch number is corrected (re-entered). If the "Correct" button 251d is pressed, the cash card suspension account number input screen 250 is redisplayed, and the entered account number is corrected (re-entered). If the "Cancel" button 250d is pressed, the "Lost Media Suspension" transaction is canceled, and the process returns to S101.

[0070] In S114, when the lost medium is a passbook, the automated transaction device 2 prompts the customer to confirm the account type of the passbook that is the lost medium, and accepts input of the passbook's branch number and account number. More specifically, the automated transaction device 2 first displays the passbook suspension guidance screen 252, illustrated in Figure 7B, on the display input unit 205. The passbook suspension guidance screen 252 is a screen that guides the customer to suspend the use of a passbook by displaying messages such as "The passbooks that can be suspended are 'ordinary deposit passbooks' and 'comprehensive account passbooks'." The passbook suspension guidance screen 252 has a "Confirm" button 252a and a "Cancel" button 252b. The customer can proceed to the next step by pressing the "Confirm" button 252a, or cancel the "Lost Medium Suspension" transaction by pressing the "Cancel" button 252b. If the "Cancel" button 252b is pressed, the "Lost Medium Suspension" transaction is canceled, and the process returns to S101.

[0071] If the customer presses the "Confirm" button 252a on the passbook suspension notification screen 252, the automated transaction device 2 then displays the passbook suspension branch number input screen 253, as illustrated in Figure 7B, on the display input unit 205. The passbook suspension branch number input screen 253 displays the message, "Please enter the branch number of the passbook to be suspended and press Confirm," prompting the customer to enter the branch number of the lost medium (passbook). The passbook suspension branch number input screen 253 has a numeric keypad 253a and a branch number input field 253b, and the customer can enter the branch number of the lost medium into the branch number input field 253b by pressing the numeric keypad 253a. The passbook suspension branch number input screen 253 also has a "Confirm" button 253c, a "Correct" button 253d, and a "Cancel" button 253e. The customer can proceed to the next step by pressing the "Confirm" button 253c, correct the entered store number by pressing the "Correct" button 253d, or cancel the "Lost Media Stop" transaction by pressing the "Cancel" button 253e. If the "Cancel" button 253e is pressed, the "Lost Media Stop" transaction is canceled and the process returns to S101.

[0072] If the customer enters the branch number on the passbook suspension branch number input screen 253 and presses the "Confirm" button 253c, the automated transaction device 2 then displays the passbook suspension account number input screen 254, as illustrated in Figure 7B, on the display input unit 205. The passbook suspension account number input screen 254 displays the message, "Please enter the account number of the passbook to be suspended and press Confirm," prompting the customer to enter the account number of the lost medium (passbook). The passbook suspension account number input screen 254 has a numeric keypad 254a and an account number input field 254b, and the customer can enter the account number of the lost medium into the account number input field 254b by pressing the numeric keypad 254a. The passbook suspension account number input screen 254 also has a "Confirm" button 254c, a "Correct" button 254d, and a "Cancel" button 254e. Customers can proceed to the next step by pressing the "Confirm" button 254c, correct the entered account number by pressing the "Correct" button 254d, or cancel the "Lost Media Stop" transaction by pressing the "Cancel" button 254d. If the "Cancel" button 254d is pressed, the "Lost Media Stop" transaction is canceled and the process returns to S101.

[0073] If the customer enters an account number on the account number input screen 254 for account suspension and presses the "Confirm" button 254c, the automated trading device 2 then displays the account suspension confirmation screen 255, illustrated in Figure 7B, on the display input unit 205. The account suspension confirmation screen 255 displays a message such as "We will suspend the use of your account. Please check the entered information and press Confirm if you agree," and prompts the customer to confirm the account type "Ordinary," the branch number "▽▽" entered by the customer, and the account number "×××××××." Note that the account type for the account is uniformly set to "Ordinary." "▽▽" and "×××××××" are shown for illustrative purposes only; in reality, "▽▽" is replaced with the branch number entered on the account suspension branch number input screen 253, and "×××××××" is replaced with the account number entered on the account suspension account number input screen 254.

[0074] The passbook suspension confirmation screen 255 also has a "Confirm" button 255a, a "Correct" button 255b, a "Correct" button 255c, and a "Cancel" button 255d. By pressing the "Confirm" button 255a, the customer can proceed to the next step; by pressing the "Correct" button 255b, the customer can correct the entered branch number; by pressing the "Correct" button 255c, the customer can correct the entered account number; and by pressing the "Cancel" button 255d, the customer can cancel the "Lost Media Suspension" transaction. If the "Correct" button 255b is pressed, the passbook suspension branch number input screen 253 is redisplayed and the entered branch number is corrected (re-entered). If the "Correct" button 255c is pressed, the passbook suspension account number input screen 254 is redisplayed and the entered account number is corrected (re-entered). If the "Cancel" button 255d is pressed, the "Stop Lost Media" transaction is canceled, and the process returns to S101.

[0075] In S114, when the lost medium is the registered seal, the automated transaction device 2 displays the registered seal suspension confirmation screen 256, illustrated in Figure 7C, on the display input unit 205. The registered seal suspension confirmation screen 256 displays a message such as "We will suspend the use of your registered seal" and allows the customer to confirm the suspension of the registered seal. The registered seal suspension confirmation screen 256 has a "Confirm" button 256a and a "Cancel" button 256b. The customer can proceed to the next step by pressing the "Confirm" button 256a, or cancel the "Lost Medium Suspension" transaction by pressing the "Cancel" button 256b. If the "Cancel" button 256b is pressed, the "Lost Medium Suspension" transaction is canceled and the process returns to S101.

[0076] In this manner, processing according to the lost media (S114) is performed, and if the "Confirm" button 251a on the cash card suspension confirmation screen 251 exemplified in Figure 7A, the "Confirm" button 255a on the passbook suspension confirmation screen 255 exemplified in Figure 7B, or the "Confirm" button 256a on the registered seal suspension confirmation screen 256 exemplified in Figure 7C is pressed, the automated transaction device 2 then displays an execution screen (not shown) on the display input unit 205 and sends an execution message to the host computer 3 to stop the use of the lost media (S115). The execution screen is a screen that displays a message indicating that the loss setting is being executed. The execution message includes information about the lost media. For details, the execution message when the lost medium is a cash card includes information about the lost medium, such as that the lost medium is a cash card, the reason for loss (the reason for loss selected on the loss reason selection screen 244), the account type of the lost medium (the account type selected on the cash card suspension account type selection screen 248), the branch number of the lost medium (the branch number entered on the cash card suspension branch number input screen 249), and the account number of the lost medium (the account number entered on the cash card suspension account number input screen 250). The execution message regarding the lost medium when the lost medium is a passbook includes information about the lost medium, such as that the lost medium is a passbook, the reason for loss (the reason for loss selected on the loss reason selection screen 244), the account type of the lost medium is "Ordinary", the branch number of the lost medium (the branch number entered on the passbook suspension branch number input screen 253), and the account number of the lost medium (the account number entered on the passbook suspension account number input screen 254). When the lost medium is the registered seal, the execution message includes information about the lost medium, such as that the lost medium is the registered seal and the reason for loss (the reason for loss selected on the loss reason selection screen 244).

[0077] Although not shown in the diagram, when the host computer 3 receives an execution message from the automated trading device 2, it sets the lost media to unavailable based on the information about the lost media included in the execution message. Specifically, the host computer 3 manages the availability / unavailability of each media owned by each customer, and when it receives an execution message from the automated trading device 2, it sets the media to unavailable (sets the media as lost) based on the information about the lost media included in the execution message. As a result, media that has been set to unavailable cannot be used again until it is set to available again. The host computer 3 manages the availability / unavailability of each media owned by each customer using a table. This table is referenced each time media is used, and if the media to be used is set to available, it can be used, but if it is set to unavailable, it cannot be used. When the host computer 3 sets the lost media to unavailable based on the information about the lost media included in the execution message, it sends a notification to the automated trading device 2 that the setting to unavailable for the lost media has been completed.

[0078] When the automated transaction device 2 receives notification from the host computer 3 that the setting to disable the lost media has been completed, it displays a deactivation completion screen 257 on the display input unit 205 and ejects the inserted media from the card insertion / ejection unit 202 or the passbook insertion / ejection unit 201 according to the identity verification media insertion screen 247 displayed in S107 (S116). The deactivation completion screen 257 displays messages such as "Please take your media" and "The loss setting (deactivation) of XX has been completed." Note that "XX" in the message is shown for explanatory purposes and will actually be replaced with the media selected as the lost media on the lost media selection screen 243 displayed in S103 (for example, "cash card").

[0079] When S116 finishes, the process illustrated in Figure 6 is completed.

[0080] In the process illustrated in Figure 6, the lost media selection screen displayed in S103 allowed the user to select the lost media from among three media: a cash card, a passbook, and a registered seal. However, the lost media could also be selected from among multiple media, including two or more of these three media (for example, two media: a cash card and a passbook).

[0081] Furthermore, in the process illustrated in Figure 6, the lost media selection screen displayed in S103 shows one of the three media—cash card, passbook, and registered seal—as the lost media. However, for example, multiple of the three media—cash card, passbook, and registered seal—may be selectable as the lost media. In this case, for example, the processing from S104 onward may be performed for each of the multiple media selected as the lost media.

[0082] As described above, according to this embodiment, the use of a lost medium can be deactivated without the intervention of an operator. Therefore, unlike when the use of a lost medium is deactivated through an operator, there is no risk of a different medium being mistakenly deactivated due to operator error. Furthermore, this prevents malicious third parties from acquiring and misusing the lost medium, or from rendering other media that should be usable unusable, as a different medium being mistakenly deactivated. It also eliminates the need for post-incident responses such as reporting failures to financial institutions from the operator's outsourcing company, and for proactive measures to prevent operator errors.

[0083] Furthermore, according to this embodiment, as shown in the lost media selection screen 243, the lost media is selected from among multiple media, so the media that can be set as lost is not limited to just one type (for example, only credit cards), but can support multiple types of lost media (credit cards, bankbooks, registered seals).

[0084] Although embodiments of the present invention have been described above, the present invention is not limited to the embodiments described above, and various improvements and modifications are possible without departing from the spirit of the invention. [Explanation of Symbols]

[0085] 1. Automated trading system 2. Automated trading device 3. Host computer 4. Communication Network 21 Display section 22 Input section 23 Communications Department 24 Card Processing Unit 25. Passbook Processing Section 26 Error Notification Section 31 Communications Department 32 Loss setting section 201 Passbook insertion / ejection section 202 Card insertion / ejection section 203 Coin Deposit and Withdrawal Department 204 Banknote Deposit and Withdrawal Department 205 Display Input Unit 206 speakers 211 Control Unit 212 Card Processing Unit 213 Passbook Processing Unit 214 Banknote Processing Unit 215 Coin Processing Unit 216 Receipt Printing Processing Unit 217 Audio Output Unit 221 processors 222 memory 223 Communication Interface 224 graphics processing units 225 Storage device 226 Input / Output Interfaces 227 Bus 241 Transaction Type Selection Screen 242 Lost media stop notification screen 243 Lost Media Selection Screen 244 Loss Reason Selection Screen 245 Screen for selecting financial institution for lost media 246 Lost medium confirmation screen 247 Screen for inserting identity verification media 248 Cash Card Suspension Account Selection Screen 249 Cash card suspension branch number input screen 250 Cash card suspension account number input screen 251 Cash Card Suspension Confirmation Screen 252 Passbook suspension notification screen 253 Account Suspension Branch Number Input Screen 254 Account Number Input Screen for Account Suspension 255 Confirmation screen for account suspension details 256 Confirmation screen for details on the suspension of registered seal 257 Usage suspension completion screen 301 Processor 302 memory 303 Input device 304 Output device 305 Storage device 306 Portable storage medium drive device 306a Portable storage medium 307 Communication Interface 308 Bus

Claims

1. An automated trading system including an automated trading device and a host computer, The aforementioned automated trading device, A display unit that displays a lost media selection screen allowing the customer to select the lost media from among multiple media used in the transaction, An input unit that receives input from the customer for the selection of the lost media on the lost media selection screen displayed by the display unit, A communication unit transmits information regarding the lost medium, which has been selected by the input unit, to the host computer. Equipped with, The aforementioned host computer is A communication unit that receives information about the lost medium transmitted by the automated trading device, A loss setting unit that sets the use of the lost medium to be disabled based on the information about the lost medium received by the communication unit. Equipped with An automated trading system characterized by the following features.

2. The aforementioned multiple media include two or more of the following: cash cards, passbooks, and registered seals. The automated trading system according to claim 1, characterized in that it is the same as described in claim 1.

3. If the lost medium is the cash card or the passbook, the information relating to the lost medium includes information that the lost medium is the cash card or the passbook, the reason for the loss of the lost medium, and the account type, branch number, and account number of the lost medium. If the lost medium is the registered seal, the information relating to the lost medium includes information that the lost medium is the registered seal and information relating to the reason for the loss of the lost medium. The automated trading system according to claim 2, characterized in that it is as described above.

4. In the aforementioned automated trading device, The input unit further receives the name of the financial institution of the lost medium from the customer. The aforementioned automated trading device further, A card processing unit receives a cash card from the same financial institution as the aforementioned lost medium and retrieves the name of the financial institution from the cash card, A passbook processing unit receives a passbook from the same financial institution as the aforementioned lost medium and retrieves the name of the financial institution from the passbook. An error notification unit provides an error notification if the name of the financial institution received by the input unit differs from the name of the financial institution obtained by the card processing unit or the passbook processing unit. Equipped with An automated trading system according to any one of claims 1 to 3.

5. The automated trading system is A lost media selection screen is displayed, allowing the customer to select the lost media from among multiple media used in the transaction. On the displayed lost media selection screen, the customer inputs the selection of the lost media. The host computer receives information regarding the lost medium for which a selection input has been received. The aforementioned host computer is The automated trading device receives information regarding the lost medium transmitted by the automated trading device. Based on the received information regarding the lost medium, the use of the lost medium is disabled. A method for setting loss, characterized by the following features.

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