JP2003067570A - Method of processing financial operation using communication network, communication system therefor, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce the cost of managing financial operations in a plurality of banks by use of a general-purpose TCP/IP communications network, while enhancing customers' convenience in using the banks and enabling commercial strategizing of bank operations. SOLUTION: Communications terminals 3 and 5 are used to transfer to a connected multibank-operating communications system 4 information on the connection of financial institutions with which a customer opened an account and to transfer to a connected banking system 6 the contents of instructions related to the financial institution' s operations and then store into an IC card the information on the processing of the financial institution's operations which is transferred to the terminals. Based on the information transferred from the communications terminals by the connection, a connection is made with the banking system 6 of the financial institution with which the customer opened an account. The banking system 6 processes the financial institution operations based on the contents of the instructions transferred via the communication terminals, with this information transmitted from the multibank-operating communications system 4 to the communications terminals.

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD The present invention relates to TCP / IP (Tr
ansmission Control Protocol / Internet Protocol) Processes financial operations in a plurality of financial institutions (appropriately referred to as banks) by a communication network (for example, the Internet), and particularly an automatic transaction device (hereinafter referred to as an automatic teller machine). Automatic teller machine (ATM: Automati
(c Teller Machine) centralized execution of accounting operations of multiple banks by a communication network for a plurality of financial institution business processing methods, communication systems and programs therefor.

[0002]

2. Description of the Related Art Conventionally, for example, between a head office of a bank and a plurality of branch offices, an accounting system mainly for processing an accounting business of a bank by an automatic teller machine, and an operational system for processing various operations of the bank. The system is built. The accounting system processes deposits and withdrawals and transfers / transfers of cash (banknotes, supplementary currency) as well as inquiries about account balances, deposits and automatic withdrawals, etc., so the processing must be reliable and confidential. To be done. Therefore, while the business system is being reconfigured into a communication system using a public line network (for example, TCP / IP communication network), the accounting system is dedicated between the head office and each branch. The processing is performed by a communication system connected by a line (physical line).

Hereinafter, inquiries, cash deposit / withdrawal, transfer / transfer, passbook entry, etc. will be referred to as account operations, and this account operation and the handling of financial products such as stocks and mail order will be collectively referred to as financial operations.

FIG. 20 is an external view showing a configuration example of a main part of a communication network related to the conventional accounting business, and FIG. 21 is a diagram for explaining the conventional accounting business.

Referring to FIG. 20, in this communication network, Internet banking by a personal computer (PC) (home banking, appropriately referred to as PC banking) and mobile banking by a portable communication device in consideration of the degree of freedom of use on the customer side. Is being carried out.

In this communication network, an ATM 120a in a branch office system of each financial institution, an unmanned shop, a supermarket racket, a department store, etc.
... 120n and accounting system 130
EP (Front end Processor) 130a, TC (Termina
l Controller) 121 and a dedicated line 135 are used to process accounting tasks.

Further, the accounting system 130 is accommodated in a fixed public line network (ISDN / digital fixed communication network) 136 through the web server 130b. In addition, the fixed public line network 136 includes a small general-purpose computer (personal computer) 1 used by customers at home.
40 is connected, and a mobile public line 141 (PDC / PHS digital mobile communication network) is connected to the fixed public line network 136 through a gateway device (not shown) or the like. In addition, a cell base station 141a is connected to the mobile public line network 141, a mobile communication device 142 is accommodated in a wireless section, and mobile communication is performed between the fixed public line network 136 and the mobile public line network 141. An editing server (not shown) for re-editing the content according to the display screen area of the device 142 is provided.

The automatic teller machines 120a ... 120n are composed of a control device and a man-machine interface section. The control device includes a line connection part and a microcomputer (MP
U), a main memory device and an auxiliary memory device, a controller,
It is generally composed of an interface (I / F) unit and the like. In addition, the man-machine I / F unit has a cash deposit / withdrawal unit, a printer, a card processing unit, and a touch panel unit (input operation / display unit), which are connected to the I / F unit of the control device by a wire. It has a different structure.

In the automatic teller machines 120a ... 120n, when processing the accounting business of another bank, the accounting business is processed by a communication protocol dedicated to the own bank, and other banks are processed through the accounting system of the own bank. Processing line transactions. In this case, the host computer in the bank's accounting system is BANCS (Banks Cash Servic
e) The line is connected to the accounting system of another bank via a relay system such as a center.

In the communication network for connecting the automatic teller machine and the accounting system as described above, for example, a communication protocol for own bank and a communication protocol for other banks which are not compatible with the communication protocol on the public line are used. It is implemented. For example, the old binary synchronous communication (BS
C), high-level data link control procedure (HDLC), Zengin procedure (standard communication protocol defined by the National Bankers Association), etc. are adopted. This conventional BSC, HDL
The number of engineers who carry out development and maintenance of communication protocols such as C and Zengin procedures is reduced, and it is difficult to change the system such as maintenance and version upgrade. Further, since the dedicated line in the accounting system requires a great deal of cost for laying and maintenance, a public line network (for example, TCP / IP communication network) that can reduce the cost is being used. In addition, the automatic teller machine installed at a convenience store or the like is made available to customers at multiple banks to improve the convenience of the customers.

In FIG. 21, P in this accounting business
In C banking, the inquiry and transfer / transfer account processing is performed from the small general-purpose computer 140 shown in FIG. 20, and in mobile banking, the portable communication device 142 is connected to the Internet or mobile telephone carrier service, Handles inquiry and transfer / transfer accounting. In addition, in this PC banking and mobile banking, cash deposit / withdrawal and transaction record output are not possible. That is, it handles the deposit and withdrawal of cash and the output of transaction records as well as inquiries, transfers and transfers only with an automatic teller machine.

[0012]

As described above, the above-mentioned conventional technique has the following problems. (1) Due to the complicated communication network configuration, it takes a lot of time, money, and labor to construct the new communication network, and maintenance and operation costs increase. (2) Communication protocols, control programs, and hardware configurations are complicated by the diversification of financial operations and financial institutions using automated teller machines (for example, Internet banks and companies entering the banking business). (3) A large number of man-hours are required for maintenance management and version upgrade. Especially, automatic teller machines have a large number of installations,
It takes a lot of time and manpower to implement a program (download to install) and confirm an operation for a new financial transaction (expansion of financial business) by implementing a new program or fixing a bug. (4) For automatic teller machines installed at convenience stores, etc., the institutions that provide financial services by the automatic teller machines provide their own relay centers (relay communication systems) to provide financial services. There is. In this case, a transaction is performed with a plurality of financial institutions by performing line connection with a partner financial institution through a relay communication system or by line connection through a BANCS center from the partner financial institution. The communication network for connecting these lines has a complicated configuration. (5) Communication systems that accommodate automated teller machines installed in convenience stores, etc., are used for communication protocol conversion during relay communication systems for line connection with accounting systems of affiliated financial institutions with different communication protocols. It is necessary to provide the gateway device of. Therefore, the configuration becomes complicated, and the processing scale and the device scale increase. (6) Since the handling contents and names of the automatic teller machines differ from bank to bank, different programs can be developed that correspond to individual key input operations on the operation screen of the automatic teller machine and business applications. Maintenance is required. It is necessary to develop a communication processing system (for example, a communication driver) for each automatic teller machine in order to individually respond to the key input operation on the operation screen section and the business application.

The present invention solves the problems in the prior art as described above, and does not use a dedicated line, which is expensive, but a general-purpose TCP / IP communication network (for example,
The Internet) enables central bank processing of financial operations as well as accounting operations of multiple banks using an automated teller machine to reduce operational management costs at financial institutions. A method, a communication system therefor, and a program are provided.

Furthermore, the present invention uses a public TCP / IP communication network to allow a customer to use a plurality of banks and wireless connection with a mobile terminal of the customer to shift to a completely cashless society. The provision of multiple financial institution business processing methods and their communication systems and programs through a communication network that enables cash withdrawals and payments with an automatic teller machine, which is indispensable during the period, and improves the convenience of bank use. To aim.

[0015]

In order to achieve the above object, a plurality of financial institution business processing methods using a communication network according to the present invention include a customer communication terminal device and a plurality of financial institution accounting systems using the communication network. The system is a system for processing financial institution business through a data processing device on the side of a multi-bank operation site, and a communication terminal device on the customer side connects to a data processing device on the multi-bank operation site side, and Transfers information for connecting to the accounting system of the financial institution that has an account to the data processing device on the bank management site side, and the data processing device on the multi-bank management site side converts the information from the customer side communication terminal device. Based on this, the customer's communication terminal device is connected to the accounting system of the financial institution that has opened an account, The processing instructions related to the above, the accounting system processes the financial institution business based on the transferred instructions, and the accounting system transfers the processed information on the financial institution business to the multi-bank operating site side data. It is characterized in that it has each step of transferring from the processing device to the customer side communication terminal device, and the customer side communication terminal device storing the processing information of the financial institution business.

In the method of the present invention, the customer side communication terminal device is a portable communication device, and an automatic teller machine connected to the accounting system through the portable communication device and the data processing device on the multi-bank management site side. Makes a wireless connection,
The mobile communication device transfers the stored processing information of the financial institution business, and the automatic teller machine processes the financial institution business including cash deposit / withdrawal and transaction record output.

In the multi-financial institution business processing communication system of the present invention, the communication network allows the customer's communication terminal and the accounting system of each of the plurality of financial institutions to process the financial institution business through the multi-bank operating communication system. Yes, the communication terminal transfers the connection information to the accounting system of the financial institution with which the account is opened to the multi-bank operating communication system connected to the line, and the financial institution business to the accounting system connected to the line. In addition to transferring the instruction contents of the processing related to the above, the transferred processing information of the financial institution business is stored in a removable storage medium, and the multi-bank operating communication system converts the processing information into the transfer information by the line connection from the communication terminal. On the basis of this, the line connection is made to the accounting system of the financial institution that has opened an account, and the accounting system is transferred to the communication end. Processing the financial institutions business based on the instruction content in the information of the processed financial institutions business is characterized by transferring from the multi-bank operations communication system to the communication terminal.

In the communication system of the present invention, the removable or removable storage medium is an integrated circuit (IC) card,
This integrated circuit card is characterized by storing information including balance inquiry by electronic money, transfer and transfer, and cash deposit / withdrawal as processing information of financial institution business.

In the communication system of the present invention, the customer side communication terminal device is a portable communication device, the portable communication device is provided with a wireless communication means, and is communicatively connected to an accounting system, and the portable communication device is also provided. The automatic teller machine is provided with wireless communication means for performing wireless communication with the wireless communication means, and the portable communication is performed by wireless connection between the wireless communication means of the mobile communication device and the wireless communication means of the automatic teller machine. Transfer the processing information of financial institution business stored in the device,
The present invention is characterized by executing a financial institution business including cash deposit / withdrawal and transaction record output by the automatic teller machine.

In the program of the present invention, the communication terminal transfers the connection information to the accounting system of the financial institution that has an account to the multi-bank operating communication system connected to the line, and the accounting system connected to the line. While transferring the instruction content related to the financial institution business to the system, the transferred processing information of the financial institution business is stored in a removable or built-in storage medium, and the multi-bank management site side data processing device transmits the information from the communication terminal. Based on the transfer information by the line connection, the line connection is made to the accounting system of the financial institution that has the account, and the accounting system processes the financial institution business based on the transferred instruction from the communication terminal. It is characterized in that the computer executes each process control for transferring the processed information on the financial institution business from the multi-bank operating communication system to the communication terminal.

According to the present invention as described above, the accounts of a plurality of financial institutions (banks) are provided by an automatic teller machine by a general-purpose TCP / IP communication network (for example, the Internet) without using a physical leased line which requires high maintenance costs. The operations are centrally executed to reduce the operational management costs of financial institutions (banks). In other words, the TCP / IP communication network accommodates an existing accounting system in a financial institution. A plurality of financial institution operations (especially account operations) are processed through an automatic teller machine that is connected to this accounting system. For this reason, it is not necessary to use a dedicated line, which requires a large amount of operation and maintenance costs. Further, the degree of freedom of the installation place of the automatic teller machine is improved. In addition, TCP / I is an application that processes a plurality of financial institution business
Since communication protocols and control programs in the P communication network technology (for example, Internet technology) can be used, the cost of operation and maintenance can be reduced. For example, it will be possible to suppress the cost increase such as version upgrade due to the multi-functionalization (bloat) of various applications.

Further, according to the present invention, a public TCP / IP is used.
By using the communication network, customers can use multiple financial institutions, and cash deposits and withdrawals can be made with an automatic teller machine by wireless connection to the customer's mobile communication device, improving convenience of using financial institutions. To do. In other words, PC
It is possible to make deposits and withdrawals on the extension of banking and mobile banking, and also to integrate with the automatic teller machine (I
C) It becomes possible to make cash deposits and withdrawals using a mobile communication device equipped with a card.

Further, according to the present invention, it is possible to perform financial business processing by voice in the automatic teller machine equipped with the wireless connection means with the portable communication device of the customer and the portable communication device of the customer. The convenience of the weak is improved.

Furthermore, it becomes easy to provide information for cash replenishment, maintenance management, security, etc. of the automatic teller machine, and it becomes possible to freely set the operating days and operating (business) hours of the automatic teller machine. .

[0025]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of a plurality of financial institution business processing methods, communication systems thereof, and programs according to the present invention will be described in detail below with reference to the drawings.

FIG. 1 is a block diagram of an open communication network in the embodiment of the present invention. In FIG. 1, this example is a two-way communication network configuration for centrally processing a plurality of financial institution (bank) operations at a portal site. For example, it is a multimedia communication network based on various communication protocols such as a public telephone network and an IP network represented by the Internet. In multimedia communication networks with different communication protocols,
Data transmission, G3 / G4 standard facsimile communication, Internet Fax communication, general-purpose telephone call and VoIP
(Voice over Internet Protocol) ITU (Internatio
nal Telecommunication Union-Telecommunication Stan
dardization Sector / H. Multimedia communication such as voice telephone communication by the H.323 protocol).

In this multimedia communication network, a media gateway device (not shown) is arranged so that a media stream delivered to implement a multimedia service is in a format required by each communication network (for example, communication). Protocol / ITU-T
Recommendation H. 248).

The communication network shown in FIG. 1 is ISDN.
This digital fixed communication network 1 together with the digital fixed communication network 1 such as (Integrated Services Digital Network)
And has a digital mobile communication network 2 connected by a gateway device GW that performs communication protocol conversion. In addition,
The digital fixed communication network 1 and the digital mobile communication network 2 are collectively referred to as a communication network.

The digital mobile communication network 2 is, for example, a PDC.
(Personal Digital Cellular Telecommunication Syst
em) method, cordless telephone (PHS: Personal Handyph)
oneSystem) system and has a cell base station 2a. The cell base station 2a includes a large number of mobile communication devices 3
(Customer side communication terminal device) is accommodated in a wireless section (air I / F). The mobile communication device 3 allows the customer to use a plurality of banks through mobile banking, in particular, electronic money (e-cache / digital-cache), a global common currency (b).
eens) and bank transactions as well as cash deposits and withdrawals through an adjoining wireless line connection with an automatic teller machine. The mobile communication device 3 is equipped with an IC card that stores information for transaction of electronic money accounting business (inquiries about balance, transfer and automatic debit, cash deposit / withdrawal and transfer / transfer), and the Internet. It has an accessible web browser. The IC card functions as a conventional bank card and passbook, and has a personal identification code (I
D) is stored to identify the legitimacy of the person in the accounting business transaction.

The communication network shown in FIG.
A multi-bank operating communication system 4 functioning as a portal site for centrally executing accounting operations of a plurality of banks, and through the multi-bank operating communication system 4, a large number of electronic money transactions are carried out in the same way as the portable communication device 3 especially at home. Small general-purpose computer device 5 (fixed communication terminal, PC as appropriate)
Abbreviated). The multi-bank operating communication system 4 is provided with an IP telephone 4a (telephone communication device) and an image pickup display unit 4b (image display means) for displaying a crime prevention image taken around the automatic teller machine continuously or by frame feed. ing. Further, the small general-purpose computer device 5 has an I
The P telephone 5a (telephone calling device) is equipped and an IC card (not shown) is mounted. This IC card can be detached from the small general-purpose computer device 5 and attached to the mobile communication device 3, and the stored information can be used interchangeably for mutual use (in particular, cash deposit / withdrawal by an automatic teller machine).

Further, in the communication network shown in FIG. 1, a plurality of accounting systems 6 are installed in each of a number of banks for processing accounting operations, and a plurality of banks (a plurality of banks through the multi-bank management communication system 4). The accounting system 6) and the mobile communication device 3 on the customer side and the small general-purpose computer device 5 (these two are appropriately referred to as customer terminals) are used to carry out accounting transactions (especially cash deposit / withdrawal) in various places. And a plurality of automatic teller machines 7 arranged in.

The accounting system 6 includes an image pickup display section 6b (image display means) for displaying a crime prevention image obtained by continuously or frame-feeding the IP telephone 6a (telephone communication device) and the automatic teller machine 7. Are connected. The automatic teller machine 7 is provided with an IP telephone 7a (telephone communication device) for a customer to make inquiries to the multi-bank operating communication system 4 side or a bank, and a security surveillance camera 7c (imaging means). . In addition, the small general-purpose computer device 8,
IP telephones 8a and 9a (telephone call devices) are provided on the respective terminals 9.

Further, in the communication network shown in FIG.
Small general-purpose computer device 1 for maintenance installed in a maintenance center for each district where a plurality of automatic teller machines 7 are installed
2 (maintenance communication device) and a small general-purpose computer device 13 (security communication device) for security installed in a security company in each district where a plurality of automatic teller machines 7 are installed. The small general-purpose computer device 12 for maintenance receives the failure notification information automatically reported from the automatic teller machine (ATM) 7 by the multi-bank management communication system 4 or the information collected by the polling communication, and the maintenance staff takes measures. It is arranged in a maintenance center or the like in each place for performing (for example, failure recovery and maintenance management maintenance). In addition, the small general-purpose computer device 13 for security is installed in a security company or the like for receiving security request information at the time of a failure in the automatic teller machine 7 from the multi-bank operation communication system 4 or during maintenance management. It is for carrying out cash supply as well as security at the time of failure occurrence and maintenance management.

The small general-purpose computer device 12 for maintenance is equipped with an IP telephone 12a for making a telephone call with the multi-bank operating communication system 4, and the small general-purpose computer device 13 for security has an IP address. An image pickup display section 13b (image display means) for displaying a crime prevention image obtained by continuously or frame-feeding around the telephone 13a and the automatic teller machine 7.
Equipped with.

The communication network shown in FIG.
The multi-bank operating communication system 4 has an IP-VPN network 14 for accommodating the accounting system 6 in a plurality of banks.

The digital fixed communication network 1 and the IP-VPN network 14 are closed IP networks whose configurations and transmission methods are known, and have a network configuration in which an edge router or the like is installed in the line network. The digital mobile communication network 2 is, for example, ARIB.
It is a known mobile circuit network to which the -27/28 standard (PDC system / PHS system) is applied and the cell base station 2a is accommodated by a mobile communication control station (MCC) not shown. In addition,
This mobile network is TIA standard IS95 system / IMT-2.
000 N / W-CDMA system may be used without any particular limitation.

In the communication network of FIG. 1, an editing server for re-editing contents on the Internet into data by a dedicated HTML tag so as to fit the small display screen of the portable communication device 3, and communication by the Internet are executed. Internetworking function device (I) installed in an Internet service provider (ISP) for
WF) and the like are provided, but the illustration thereof is omitted.

The communication network configuration shown in FIG. 1 is an example, and various configurations by TCP / IP bidirectional communication are possible. The same processing as described below can be performed even in a closed communication network such as an intranet (FDDI / LAN) instead of the open Internet. In addition, foreign exchange business is also possible in the overseas expansion network of a multinational company, that is, an extranet (wide area WAN), with the same processing as described below.

FIG. 2 is a block diagram showing a configuration example of the multi-bank management communication system 4 and the accounting system 6 in FIG.

The multi-bank management communication system 4 may be realized by a simple structure including a web server and a database device, without adopting the structure shown in FIG. This is a case where the multi-bank management communication system 4 links a plurality of banks. That is, the mobile communication device 3 and the small general-purpose computer device 5 (customer terminal) are hyperlinked (Hy) to the accounting system 6 for each of a plurality of banks.
perlinks), when processing the accounting business.

The multi-bank operating communication system 4 adopts the same structure as the accounting system 6 when constructing a communication system comprising an active system and a standby system having a standby (protection) function. That is, in the case where the multi-bank operating communication system 4 constructs a communication system which monitors the accounting business data transmission with the customer terminal and, when the failure occurs, carries out the predetermined specific accounting business in the accounting system 6 on behalf. is there. In this case, the NMS (Ne
twork Management System) executes the transmission line switching (backup system) between the active system and the standby system.

Further, it is possible to construct a communication system operating in parallel by adopting the same configuration as the multi-bank management communication system 4 and the accounting system 6. Hereinafter, a backup communication system in which the multi-bank management communication system 4 and the accounting system 6 have the same configuration and operate in parallel will be described.

In FIG. 2, the multi-bank operating communication system 4 and the accounting system 6 are generally constructed by a local area network (LAN) such as UNIX (registered trademark) workstation or Ethernet (registered trademark). Is. The multi-bank operating communication system 4 and the accounting system 6 (also referred to as a LAN system as appropriate) have a line connection device 20 for connecting to an ISDN (digital fixed communication network 1). This line connection device 20 is a hub device or a digital termination connection device (DS).
U) and a router (not shown) in which a firewall application for intrusion prevention is mounted.

Further, this LAN system is provided with a web server 21 for executing internet communication processing, and further, FTP (File Transfer Protocol) is provided.
FTP server 22 for file transfer, and D for distributed name management system (DNS)
The NS server 23 is provided. An authentication server 24 is provided in this LAN system. The authentication server 24 is a known public key infrastructure (PKI: Public Key Infrastructure) in the communication system.
It is for executing a digital signature, partner authentication, etc. based on the.

Further, in this LAN system, a D / B server 25 for executing a search (tracking) in the database (D / B), and the following database device (1)
(2) and (3) are provided. (1) Accumulate and store personal information (personal attribute information such as name, company title, etc. and individual attribute information such as personal preference) concerning a customer, and data of the accounting business for each customer (accounting business (balance, Inquiries about transfer deposits and automatic withdrawals,
Customer database device 26b that stores cash deposits and withdrawals and transfers / transfers (2) Translation database device 26c (3) for performing multilingual display of accounting operations on each of a number of automatic teller machines 7 ATM database device 26 storing information of
d (storage means) (a) maintenance technical information referred to at the site of the automatic teller machine 7 (for example, voltage of measurement point, slot number and corresponding circuit board, part number, etc.) (b) failure occurrence history information ( Date and time, failure status, failure recovery processing information, etc.) The maintenance technique information and failure occurrence information in the ATM database device 26d may be stored in the main storage device or auxiliary storage device of each automatic teller machine 7.

The LAN system shown in FIG.
V for interfacing P telephones 4a and 6a
It has an oIP connection device 27, a control server 28 for controlling the entire LAN system of FIG. 2, and an I / F unit 29 for connecting a LAN such as an accounting system already built in a bank. Further, this LAN system is provided with image display units 4b, 6b, 8b for displaying continuous or frame-by-frame images transmitted from the monitoring camera 7c provided in the automatic teller machine 7. The imaging display units 4b, 6b (13b) and 8b are the image processing units 30a and L.
It comprises a display unit 30b such as a CD or a CRT.

In this LAN system, a drive device (not shown) for reading the program from the CD-ROM and installing it on the control server 28, a server dedicated to intrusion prevention execution, an electronic mail server, and a facsimile (Fax) server are provided. The configuration in which and are provided is also known.

The multi-bank management communication system 4 and the accounting system 6 are not particularly limited to the configuration shown in FIG. Depending on the amount of processed data and the amount of traffic, it is possible to configure only a single general-purpose computer (server).

FIG. 3 is a block diagram showing an internal configuration example of the automatic teller machine 7 shown in FIG. In FIG. 3, the automatic teller machine 7 is roughly configured by a control device 40 (determination means) and a man-machine I / F device 50. The control device 40 includes a line connection unit 41 that performs connection (for example, digital termination processing) with the digital fixed communication network 1 in FIG. 1, and a CPU and an R that execute overall control of the automatic teller machine 7.
Microcomputer consisting of AM and ROM (MP
U) 42, a main storage device 43 (storage means) using a solid-state memory, and maintenance technology information and failure occurrence information of the automatic teller machine 7 as well as an HDD storing failure occurrence history information and failure recovery processing information Auxiliary storage device 4
4 (storage unit) and a wireless transmission / reception unit 45 (wireless communication unit) for transmitting / receiving weak radio waves to / from the man-machine I / F device unit 50 (for example, frequency hopping communication / Bluetooth system). .

The man-machine I / F device 50 includes a cash deposit / withdrawal section 51 for depositing / dispensing cash (banknotes, supplementary currency), a printer 52 for printing a passbook or a slip, a bank card loading / unloading, and data reading. It has a card processing section 53 for carrying out the above, and a touch panel section 54 consisting of an input operation section and a display section for displaying the account transaction contents on the screen and performing an instruction operation.

From the cash deposit / withdrawal section 51 to the touch panel section 54, the wireless transmission / reception section 4 of the control device 40 is provided.
5 has a built-in wireless transmitting / receiving unit for exchanging data. Further, each of the cash deposit / withdrawal section 51 to the touch panel section 54 takes into consideration the inability of wireless transmission by the built-in wireless transmission / reception section, and the control device 40 and the man-machine I.
An I / F unit (not shown) is provided in the / F device 50 to make a wired connection.

Each section of the automatic teller machine 7 shown in FIG. 3 has a plug-in type construction. With this plugin structure,
You will be able to attach and remove what you need. In other words, it becomes possible to finely deal with hardware / software version upgrades and the like, and the cost can be reduced.

Further, the control device 40 of the automatic teller machine 7 shown in FIG. 3 is provided with a microphone and a speaker (not shown), and a voice in the device and / or a device (not shown) of the multi-bank management site is used. The recognition software and the voice synthesizer enable voice financial processing.

In addition, the automatic teller machine 7 shown in FIG. 3 is provided with a measure against interference waves (jamming radio waves) against a wireless section (wireless connection) between the digital mobile communication network 2 and the portable communication device 3 and weak electric wave transmission / reception. . As measures against this interference wave, there are measures against intentional interference waves and leakage electromagnetic waves (radio waves). The deliberate jammers are intended for monetary exploitation and transaction interruptions in mobile banking accounting operations. Interfering waves due to leaked electromagnetic waves (radio waves) are direct transmission waves from nearby wireless communication devices and electromagnetic waves leaking from data processing devices (for example, harmonics from clock generators).
Is.

Money exploitation and transaction interruption in the accounting business include wiretapping (acquiring malicious data on the communication path), denial (denial of communication at the communication partner), and falsification (by a third party on the communication path). Modification of transmission data) and spoofing (a third party impersonates another person to transmit data).
For this reason, known conventional encryptio
n system) and public key infrastruct
Adopt measures to prevent destruction of customer information etc. by ure / DES, RSA, MH).

As a measure against the interference wave, an interference wave having a specific frequency and frequency band (for example, a transmission wave having a known frequency from a specific communication device) is removed by a known trap resonance circuit or band elimination filter. Measures are known. In addition, a shield structure for covering the whole or a main part of the portable communication device 3 and the automatic teller machine 7 described above with a metal casing is known with respect to the interference wave due to the leaked electromagnetic wave. Further, there is a shielding structure that covers the entire automatic teller machine 7 with a metal housing, or a shielding structure that configures the entire building in which the automatic teller machine 7 is installed with metal.

As a measure against the interference wave, a measure to switch the wireless transmission to the wired transmission is taken together with this shielding structure. This is a case where the automatic teller machine 7 side mixes a disturbing wave of a high level electric field strength that makes it impossible to identify a frame of transmission data or the like. This frame identification is
A so-called error control method in data transmission (errorcon
An interference detection method of a control system in data transmission) or a known cyclic redundancy check (CRC) method may be adopted.
If it is determined by this frame identification that an interfering wave having a high level electric field intensity is mixed, wireless section transmission between the digital mobile communication network 2 and the mobile communication device 3 is switched to wired communication with the small general-purpose computer device 5. This switching is executed by the instruction control of the multi-bank management communication system 4.
Further, when the microcomputer 42 in the control device 40 of the automatic teller machine 7 shown in FIG. 3 cannot identify the frame of the transmission packet, the wireless transmission / reception unit 45 and the man-machine I / F device 50 which perform weak radio wave transmission / reception operation. The wireless connection with the wireless transmission / reception unit built in each of the cash deposit / withdrawal unit 51 to the touch panel unit 54 is stopped.
The operation is continued by the wired connection through the / F portion (not shown in FIG. 3).

The small general-purpose computer device 5, shown in FIG.
Reference numerals 8 and 9 are known as tower type desktop personal computers and notebook type personal computers, and their configurations are known. For example, a connection device, a microcomputer, a flash memory, a drive device for an information recording medium, a monitor device, an input operation device, a hard desk device, an interface for connecting various external devices, for example, SCSI (Small Co
mputer System Interface) interface, USB (U
A configuration including a niversal serial bus) interface and the like is well known.

The IP telephones 4a to 9a in FIG. 1 are, for example, a transmission / reception interface section, an encoding / decoding section,
Variable volume audio unit, microcomputer, microphone and speaker for voice call, memory storing boot program and IP voice call control program, display unit, operation unit such as numeric keypad and function selection key Is well known.

Furthermore, the surveillance camera 7 of the automatic teller machine 7
Reference numeral c denotes a CCD camera for outputting image pickup data obtained by photographing the customer or the surroundings located on the front surface, an image pickup processing unit for generating continuous or frame feed image pickup data, and an I / F for transferring the image pickup data to the IP telephone. It consists of a department.

When the IP telephones 4a and 6a are accommodated in the multi-bank operating communication system 4 and the accounting system 6, respectively, for example, computer telephone integration (CTI: Comput).
er Telephony Integration) processing and private branch exchange (PB)
It is realized by a configuration in which CTI is added to X).

The mobile communication device 3 in FIG. 1 is a PDC system,
The configuration of the PHS system is known. For example, a frequency switching synthesizer, a radio transmission / reception unit including a reception field strength (RSSI) detection unit, a modulation / demodulation unit, and a time division / division unit.
From the demultiplexing unit, the codec (encoding / decoding) unit, the microphone for transmission, the speaker for reception, the microprocessor, the display unit such as the light-emitting diode for incoming call display and the liquid crystal display, and the function keys and numeric keypad. And an input operation unit.

Further, the portable communication device 3 is provided with a memory for working processing, and in particular, electronic money accounting transactions by PC banking or mobile banking, as shown in FIGS.
A wireless transmission / reception unit (wireless communication means) for depositing / withdrawing cash by weak radio wave transmission / reception to / from the automatic teller machine 7 shown in, and various personal information for bank transactions and electronic money data by accounting business. It has an IC card for storing.

Next, the operation of this embodiment will be described. First, transmission modes of the digital fixed communication network 1 and the digital mobile communication network 2 of FIG. 1 will be described.

Between the digital fixed communication network 1 shown in FIG. 1 and each device, for example, a transmission rate of 64 kbit / s, 38
IP packets of 4 kbit / s and 1.5 Mbit / s are transmitted. 2B + at a transmission speed of 64 kbit
D (information channel 32 kbps x 2, control channel 16
kbps) transmission according to the packet switching procedure X. 31 (I.430 / I.431, Q.I.
921 / Q. 931, X. 25 protocol).

This transmission form is an example, and other high-speed transmission methods (for example, ADSL / non-target digital transmission)
May be applied, or a high speed communication network (for example, a gigabit high speed data communication network) may be adopted.

Further, each device of FIG.
ML (Hyper Text Markup Language) language processing function (text, voice, JPEG still image or MPEG moving image processing by data compression), and HTTP (Hypertext Transp)
Transfer bidirectional communication by hyperlink function by ort Protocol, file transfer by FTP, and CGI (Co
mmon Gateway Interface) to execute each external application. Each device is equipped with a web browser (application) for e-mail communication and internet surfing for this purpose.

The database device (customer database device 26b to ATM database device 26d in FIG. 2 is used.
Data read by the database engine tracking in (1) to (3) is, for example, XML (Extensible Mar
Data to be transmitted is generated by the kup language) in the CDF (push type information distribution format) or the push-pull type information distribution format, and the SQL (Stru
The relational database processing is executed by ctured Query Language).

Each of the above-mentioned devices performs bidirectional communication by well-known IP packet file transfer by the TCP / IP link. The transfer process on the Internet in this communication network is executed by an object instruction in HTTP (instruction to a radio button, an anchor, a push button, etc. by a coordinate input device such as a click / mouse). In this case, a transmission end descriptive character (FIN) for opening a TCP connection, a transmission acknowledgment character (ACK), and the like are stored in the file format, and the file transfer is executed according to the identification.

Furthermore, the digital mobile communication network 2 shown in FIG.
Also, the mobile communication device 3 uses the TDMA method according to the ARIB-27 / 28 standard, the TDMA / TDD transmission method, or the TI.
A standard IS95 system / IMT-2000 N / W-CDM
Communication is performed according to the A method. In this communication, for example, a voice call and data communication are performed at 1 time slot / transmission rate 32 kb / s or 2 time slots / transmission rate 32 kb / s × 2 (64 kb / s). When the mobile communication device 3 moves into the service area of the cell base station 2a, the control channel (CCH) is scanned and monitored to supplement the control channel having the maximum received electric field strength. After this location registration, a known communication sequence for calling (calling) or receiving (calling) is executed.

The mobile communication device 3 performs an operation related to a telephone call, and performs internet access by a web browser (application) through communication protocol conversion (internet) and air interface processing (cell base station / exchange control station). .

In this type of accounting business communication processing, it is necessary to prevent the destruction of customer information. To prevent the above-mentioned eavesdropping, tampering, denial, and spoofing, a conventional encryption system or a public key encryption system is used to prevent the destruction of customer information. It also executes an encrypted communication protocol (SSL: Secure Sockets Layer) in the customer data transfer of the accounting business.

A transmission mode between the accounting system 6 of a plurality of banks and the automatic teller machine 7 will be described.

In banks A and B as the plurality of banks here, the respective accounting systems 6 in FIG. 1 are the multi-bank management communication system 4, the digital fixed communication networks 1 and I.
A line is connected to the automatic teller machine 7 through the P-VPN network 14. Bank A (own bank) and bank B (other bank)
The communication protocol between the two is TCP / IP. In this case, the automatic teller machine 7 is installed in a business store of Bank A, but through the portal site of the multi-bank operating communication system 4, the customer's mobile communication device 3 or small general-purpose computer device 5 is used for PC banking or mobile. Perform banking operations by banking (inquiries about balances, deposits and withdrawals, cash deposits and withdrawals, transfers and transfers). The transaction data of this accounting business is stored in the IC card in the mobile communication device 3. In this case, electronic money (e-cache / digita
L-cache), the world common net currency (beens) data. After that, the actual cash deposit / withdrawal is performed by moving the mobile communication device 3 to the location where the automatic teller machine 7 is installed.
That is, as will be described later, the balance of the electronic money of the IC card is wirelessly connected to the automatic teller machine 7 through the multi-bank management communication system 4, and between the automatic teller machine 7 and the accounting system 6. It processes through a wired line connection and deposits and withdraws the cash. In this case, the encryption communication protocol (SSL) is used together with the operation for preventing the destruction of customer information by the conventional encryption system or the public key encryption system described above.
To execute.

FIG. 4 is a diagram for explaining a plurality of banking business methods by the communication network, and FIG. 5 illustrates the accounting business processing between the portable communication device 3 and the automatic teller machine (ATM) 7. It is a block diagram for doing.

In FIG. 4 and FIG. 5, according to this business method, the customer (the portable communication device 3 and the small general-purpose computer device 5) is in charge of the accounting system through the data processing device on the multi-bank operating site side (multi-bank operating communication system 4). PC banking or mobile banking is executed by the line connection with the system 6. Here, PC banking and mobile banking are accounting operations for inquiries about balances, transfer deposits and automatic withdrawals by electronic money, transfer / transfer, and cash deposit / withdrawal. Electronic money data from this accounting business is I
It is stored in the C card. After that, when cash is deposited and withdrawn by the automatic teller machine 7, the IC card in the small general-purpose computer device 5 is attached to the mobile communication device 3, or the electronic card of the IC card previously attached to the mobile communication device 3 is attached. Automatic cash machine 7 for cash deposits and withdrawals using money data
Through a wireless connection with and to and from the accounting system.

Next, communication processing of a plurality of banking operations by this communication network will be described. FIG. 6 is a transmission sequence of PC banking and mobile banking. FIG. 7 is a transmission sequence diagram for explaining cash deposit / withdrawal in PC banking and mobile banking.

Below, an example of the transaction operation in the multi-financial institution business processing communication system of the present application, which is carried out based on the transmission sequences shown in FIGS. 6 and 7, will be described.

FIG. 8 shows I of the mobile communication device (mobile phone) 3.
It is a sequence diagram which performs payment processing of cash in a C card by an automatic teller machine 7 connected to a multi-bank management system.
When the cash in the IC card of the mobile communication device 3 is paid out by the cash automatic teller machine 7, the mobile communication device 3 and the cash automatic teller machine 7 connected to the multi-bank management system are wirelessly connected without going through the Internet. The connected automatic teller machine 7 performs payment processing in response to the payment request from the mobile communication device 3, and outputs the result to the mobile communication device 3.

FIG. 9 is a sequence diagram of a process for printing transaction records in the IC card of the mobile communication device 3 by the automatic teller machine 7 connected to the multi-bank operating system. When the transaction record in the IC card of the mobile communication device 3 is printed by the automatic teller machine 7, the automatic teller machine 7 connected to the portable communication device 3 and the multi-bank management system without going through the Internet.
Are wirelessly connected to each other, and the connected automatic teller machine 7 performs print processing in response to a print request from the mobile communication device 3,
The printed result is output to the mobile communication device 3.

FIG. 10 is a flowchart showing an electronic money writing operation by the portable communication device 3. In FIG. 10, in this PC banking and mobile banking, from the mobile communication device 3 to the communication network (Internet)
To access the multi-bank management communication system 4 through. The financial business process is selected from the menu of the mobile communication device 3 (S11). For example, by opening the top page of the multi-bank management communication system 4 shown in FIG. 18, designating a branch from the object “for example, Vannavi”, linking PC banking or mobile banking to the accounting system 6 with the accounting system 6. Execute by opening (S
12). At this time, the authentication process of the user and the portable communication device 3 to be used is performed. A bank to be used is selected from the menu of the mobile communication device 3 (S13). The mobile communication device 3 is connected to the accounting system of the corresponding bank via the Internet. Select the withdrawal from the menu of the mobile communication device 3 and enter the withdrawal amount. In the accounting system 6, the mobile communication device 3
Alternatively, the contents of instructions in the small general-purpose computer device 5 (inquiries about balances and transfer deposits and automatic withdrawals in account operations, transfers / transfers, cash deposits / withdrawals) are executed by database processing in the customer database device 26b. Information and amount of this withdrawal process are recorded in the IC in the mobile communication device 3 through the accounting system (S17).

FIG. 11 is a flowchart showing an electronic money writing operation by a fixed terminal device such as the small general-purpose computer device 5. In FIG. 12, financial business processing is selected from the menu of the small general-purpose computer device 5 and personal authentication information is input (S20). The small general-purpose computer device 5 is connected to a multi-bank management communication system via the Internet. At this time, the authentication process between the user and the used small general-purpose computer device 5 is performed (S21).
Select the bank you want to use from the menu (S22). The small general-purpose computer device 5 is connected to the accounting system of the corresponding bank via the Internet (S23). Select withdrawal from the menu and enter the withdrawal amount (S2
4). The IC card is installed (S25, S26), and the financial information of the user is updated by the accounting system (S27). Information on the withdrawal process and the amount of money are stored in the IC and I
It is stored in the C card (S28).

Now, the multi-bank operation site connection process in the financial business process will be described with reference to the flowchart of FIG. In FIG. 13, the user's mobile communication device 3 and the small general-purpose computer device 5 are connected via the Internet (S30). When it is confirmed that the connection from the user is the financial business process (S31), the request information of the user is transmitted to the authentication server 24 to obtain the confirmation (S3).
2). Then, the accounting site information is transmitted to the mobile communication device 3 or the small general-purpose computer device 5 (S33).

FIG. 13 is a flow chart for explaining the processing of the accounting system in the bank business processing. Figure 1
3, the user's mobile communication device 3 and the small general-purpose computer device 5 are connected via the Internet (S40). When the user's request information is confirmed to be the deposit / withdrawal process (S41), the user's request information is sent to the authentication server 24.
To confirm and obtain confirmation (S42). After the confirmation, the operation of depositing / withdrawing the requested amount is performed and the user information is updated (S43). The updated processing result is transmitted to the mobile communication device 3 or the small general-purpose computer device 5 (S44).

FIG. 14 is a flow chart for explaining the process of cashing electronic money by the mobile communication device 3. Select money exchange (withdrawal) from the menu of the mobile communication device 3.
Enter the withdrawal amount, and prepare for withdrawal. Select whether or not receipt is required at this point. (S50). Select cashing from the menu of the automatic teller machine 7 (S5
1). Here, the automatic teller machine 7 and the mobile communication device 3 perform wireless communication, and financial information is read from the IC in the portable communication device 3 and displayed on the screen of the automatic teller machine 7 (S5).
2). The send button displayed on the mobile communication device 3 is pressed (S53). Mobile communication device 3 and automatic teller machine 7
Wireless communication is performed between them, and the specified amount of money is released from the automatic teller machine 7. At this point, the amount of money is deducted from the IC in the mobile communication device 3 (S54). The cash is withdrawn from the automatic teller machine 7 (S55). If the receipt is designated to be issued (S56), the automatic teller machine 7 issues the receipt (S57).

FIG. 15 is a flowchart showing a cashing process of electronic money written in the IC card by the small general-purpose computer device 5. In FIG. 15, a cashing process of electronic money written in the IC card will be described. First, an IC card is attached to the automatic teller machine 7 (S60). In the menu of the automatic teller machine 7, cashing (IC card) is selected (S61). At this point, the necessity of issuing the receipt is selected. The automatic teller machine 7 and the IC card communicate with each other, the financial information is read by the information in the IC card, and the information is displayed on the screen of the automatic teller machine 7 (S62). Enter the amount to be cashed on the screen of the automatic teller machine 7 and press the confirm button (S63). The designated amount of money is released from the automatic teller machine 7 (S6).
4). At this time, the corresponding amount cashed is subtracted from the amount recorded in the IC card. Automatic teller machine 7
The cash discharged to is extracted (S65). It is determined whether receipt is required or not (S66). When issuing a receipt, the automatic teller machine 7 issues a receipt (S6).
7). In addition, in this cash deposit / withdrawal, the IC card mounted in the small general-purpose computer device 5 is used as the automatic teller machine 7.
Bring it in and handle it as you would a bank card or bankbook to make cash deposits and withdrawals. Communication with the accounting system 6 is set from the automatic teller machine 7 through the multi-bank management communication system 4.

Further, the mobile communication device 3 transmits a command for a designated deposit / withdrawal operation to the automatic teller machine 7 by wireless communication means, and handles the IC card in the same manner as a bank card or a bankbook to deposit / withdraw cash. I do. FIG. 16 is a flowchart showing a depositing / withdrawing operation by the mobile communication device 3 and the automatic teller machine 7. The deposit is selected from the menu of the mobile communication device 3 (S70). The amount of money to be deposited (electronic money, amount of money to be deposited into the account) is input in the menu of the mobile communication device 3, and the deposit preparation state is set. At this point, it is selected whether the receipt is required or not (S71). Cash is put into the slot of the automatic teller machine 7 (S72). Wireless communication is performed between the mobile communication device 3 and the automatic teller machine 7,
The automatic teller machine 7 receives the designated information (S7).
3). At this point, the amount of electronic wallet of the mobile communication device 3 is increased. Further, the automatic teller machine 7 sets (transmits) communication to the multi-bank management communication system 4 through the communication network. Further, communication setting is performed from the multi-bank management communication system 4 to the accounting system 6 of either bank A or B in which the customer has an account. The designation of the accounting system 6 of either bank A or B at which this customer has an account is I
It is automatically executed based on the information stored in the C card. After this, a link is opened between the automatic teller machine 7 and the multi-bank operating communication system 4 and the multi-bank operating communication system 4 of either A or B. The financial information of the corresponding account of the user connected via the Internet is updated (S74). If change is present, the change is released in cash from the automatic teller machine 7 (S75). Whether or not to issue a receipt is selected (S76), and when the receipt is issued, the receipt is issued from the automatic teller machine 7 (S77).

FIG. 17 shows an IC card and an automatic teller machine 7.
It is a flow chart explaining the payment operation by. IC
The card is attached to the automatic teller machine 7 (S80). Select payment from the menu of the automatic teller machine 7 (S81).
Insert cash into the cash slot of the automatic teller machine 7 (S8).
2). Designate the amount to be saved as electronic money in the IC card and the amount to be deposited in the account of the accounting system (S
83). Communication is performed between the IC card and the automatic teller machine 7. At this point, the electronic wallet amount of the IC card is increased (S84). It is connected to the accounting system of the relevant bank via the Internet. Based on this deposit / withdrawal operation, the accounting system 6 of either bank A or B performs accounting operations, and the D / B server 25 and the customer database device 26b.
The financial information of the user is updated by the database processing in step S85 (S85). If the change is present, the change cash is discharged from the automatic teller machine 7 (S86).
Whether or not to issue a receipt is selected (S87), and when issuing a receipt, the receipt is issued from the automatic teller machine 7 (S88).

FIG. 19 is a diagram for explaining a plurality of other banking techniques by a communication network. In FIG. 19, the other plurality of banking techniques here are the following (1) to (8).

(1) Storage and storage of electronic maintenance technical information (manual) and D / B tracking extraction of handling information The automatic teller machine 7 can be upgraded. Therefore, the latest electronic maintenance technical information is stored in the main storage device 43 and the auxiliary storage device 44 of FIG. When a failure occurs, the maintenance staff connects the maintenance terminal or the like or reads the electronic maintenance technical information on the touch panel unit 54 for reference. The computerized maintenance technology information may be stored in the ATM database device 26d. Also, a database in which the current failure status is input from the failure occurrence history information and failure recovery processing history information stored in the auxiliary storage device 44 in FIG. 3 and the ATM database device 26d in FIG. Tracking makes it possible to quickly obtain information on troubleshooting.

(2) Collection of failure information and failure recovery processing history information for each automatic teller machine, and notification of failure information to the client Main memory device 43 and auxiliary storage device of the automatic teller machine 7 shown in FIG. 44, or the ATM database device 2 shown in FIG.
Occurrence failure information and failure recovery processing history information are stored in 6d at any time. This collected information is notified to the manufacturer of the automatic teller machine 7, the bank side (accounting system 6), the software house, and the like. In this case, the automatic teller machine 7
The communication protocol, the control program, and the hardware-related failure occurrence status will be identified separately or in the linked status, and the manufacturer, bank (accounting system 6), software house, etc. will be able to understand the failure status. It will be easy to find out.

(3) Dispatch of maintenance personnel when a failure occurs in the automatic teller machine The multi-bank management communication system 4 which receives the automatic notification of the occurrence of a failure in the automatic teller machine 7 is transferred to the maintenance center (small general-purpose computer device 12). , Make a coping request (mobilization).

(4) Dispatch of security guards when an automatic teller machine fails or when cash is replenished. The multi-bank operating communication system 4 that receives a trouble at the automatic teller machine 7 or receives a cash supply request is a maintenance center (small general-purpose The coping request (mobilization) is made to the computer device 12) and the security center (small general-purpose computer device 13). It should be noted that a dispatch request is issued to the security center (small general-purpose computer device 13) also during the cash supply described below.

(5) Grasp of cash balance and supply of cash for each automatic teller machine The cash deposit / withdrawal state of each automatic teller machine 7 is grasped by the accounting system 6 and the multi-bank management communication system 4. This cash balance is the ATM database device 26d shown in FIG.
In addition, when each cash automatic teller machine 7 is grasped and a predetermined cash balance (threshold value) is reached, an alarm is issued. In addition, when the predetermined cash balance is reached, the multi-bank management communication system 4
Alternatively, the operation (operation) stop control is executed from the accounting system 6 side to the automatic teller machine 7. In this case, the bank side (accounting system 6) or the multi-bank management communication system 4 side, for example, performs cash replenishment by contract (classified by day of the week or time zone). At this time, a dispatch request is issued to the security center (small general-purpose computer device 13). Thereby, it becomes possible to freely set the working days and working (business) hours of the automatic teller machine 7.

(6) Calls between the customer and each department in the automatic teller machine, display of security images and isolation of troubles occurring When a trouble occurs in the automatic teller machine 7, the state thereof is determined by the IP telephone 7a of the automatic teller machine 7. And the IP telephones 12a and 13 in the maintenance center (small general-purpose computer device 12) and the security center (small general-purpose computer device 13).
By making a call with a, the content of the failure occurrence can be easily identified. In addition, an intentional destruction or the like in the automatic teller machine 7 is detected by, for example, a vibration sensor and the automatic activation transmission is performed to detect the I of the automatic teller machine 7.
The sound generated from the P telephone 7a is set to the IP telephone 1 of the security center.
You can listen with 3a. Further, the image pick-up by the surveillance camera 7c of the automatic teller machine 7 can be displayed on the image pick-up display part 13b in the security center (small general-purpose computer device 13). Further, it becomes possible to confirm the customer's face image pick-up at the automatic teller machine 7 when the IC card cannot be ejected, etc. at the security center, and then to hand over the IC card at the site thereafter. Note that the monitoring camera 7c of the automatic teller machine 7 can confirm the imaging by displaying it on the imaging display unit 4b of the multi-bank management communication system 4 and the imaging display unit 6b of the accounting system 6.

(7) Collecting operating status information by polling communication for each automatic teller machine The multi-bank operating communication system 4 informs the operating status of a large number of automatic teller machines 7 to be monitored by polling communication at a designated time. Collecting. By collecting this information, various operating states exceeding a predetermined threshold value can be displayed by the automatic teller machine 7.
You can grasp each. As for the operating status, for example, it becomes possible to grasp in advance error settings such as business hours (from start to end) for which settings have been changed and cash deposit / withdrawal suspension.

(8) Multilingual Display to Customer on Automatic Teller Machine On the screen display of the automatic teller machine 7, for example, on the top page shown in FIG. 18, the customer instructs the object "multilingual display" (not shown). To do. This instruction command is fetched by the multi-bank management communication system 4, language-converted and transferred through the translation database device 26c, and the automatic teller machine 7 displays the screen in the language of the customer instruction.

[0098]

As is apparent from the above description, according to the plurality of financial institution business processing methods by the communication network of the present invention, the communication system thereof, and the program thereof, it is possible to use a physical leased line which requires a high maintenance cost. Generic TCP
/ IP communication network centrally executes the accounting operations of multiple financial institutions by means of an automatic teller machine. As a result, the operation management cost of the client can be reduced, the degree of freedom of the installation place of the automatic teller machine can be improved, and the maintenance management cost can be reduced.

Further, according to the present invention, a public TCP / IP is used.
By using the communication network, it becomes possible for the customer side to use a plurality of financial institutions and to deposit and withdraw cash using a portable communication device equipped with an IC card and an automatic teller machine.

As a result, the effect of improving the convenience of using the financial institution can be obtained.

Further, according to the present invention, the public TCP / I is used.
It provides various information (for example, security-related information) as well as various financial services using the P communication network.

[Brief description of drawings]

FIG. 1 is a configuration diagram of an open communication network according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration example of a multi-bank operating communication system and an accounting system in FIG.

FIG. 3 is a block diagram showing an internal configuration example of the automatic teller machine in FIG. 1.

FIG. 4 is a diagram for explaining a plurality of banking business techniques in the embodiment.

FIG. 5 is a block diagram for explaining a communication process of accounting work between the mobile communication device and the automatic teller machine in the embodiment.

FIG. 6 is a transmission sequence diagram of PC banking and mobile banking in the embodiment.

FIG. 7 is a transmission sequence diagram for explaining cash deposit / withdrawal in PC banking and mobile banking in the embodiment.

FIG. 8 is a flowchart showing a processing procedure of the mobile communication device in the embodiment.

FIG. 9 is a sequence diagram of a process of printing transaction records in an IC card of a mobile communication device by an automatic teller machine connected to a multi-bank operating system in the embodiment.

FIG. 10 is a flowchart showing an electronic money writing operation by the mobile communication device 3 according to the embodiment.

FIG. 11 is a flowchart showing an electronic money writing operation by a fixed terminal device such as a small general-purpose computer device in the embodiment.

FIG. 12 is a flowchart illustrating processing of a multi-bank operation site in financial business processing according to the embodiment.

FIG. 13 is a diagram illustrating an embodiment of bank processing.
The flowchart explaining the process of an accounting system is shown.

FIG. 14 is a flowchart illustrating a process of cashing electronic money by the mobile communication device according to the embodiment.

FIG. 15 is a flowchart showing a cashing process of electronic money already written in an IC card in the small general-purpose computer device according to the embodiment.

FIG. 16 is a flowchart showing a depositing / withdrawing operation by the mobile communication device and the automatic teller machine in the embodiment.

FIG. 17 is a flowchart illustrating a deposit operation by the IC card and the automatic teller machine 7 according to the embodiment.

FIG. 18 is a diagram for explaining a top page of the multi-bank management site-side data processing device in the embodiment.

FIG. 19 is a diagram for explaining another plurality of banking techniques by the communication network in the embodiment.

FIG. 20 is an external view showing a configuration example of a main part of a communication network related to conventional accounting work.

FIG. 21 is a diagram for explaining a conventional accounting business.

[Explanation of symbols]

1 Digital fixed communication network 2 Digital mobile communication network 3 mobile communication devices 4 Multi-bank management communication system 4b, 6b, 13b Imaging display section 5,8,9,12,13 Small general-purpose computer device 6 Accounting system 7 Automatic transaction equipment 7c surveillance camera 26b Customer database device 26c translation database device 26d ATM database device 28 Control server 40 control device 50 Man-machine I / F device

Claims (24)

[Claims] 1. A multi-bank operation system in which a communication terminal of a customer side and an accounting system of each of a plurality of financial institutions are located between the communication terminal device of a customer and an accounting system of each of a plurality of financial institutions by a communication network. A method of processing a financial institution business through a data processing device of a communication system, the method comprising: connecting a customer side communication terminal device to a data processing device of a multi-bank operating communication system; Transfers information for connecting to the accounting system of the financial institution that has an account to the data processing device of the operating communication system, and the data processing device of the multi-bank operating communication system transfers the information from the customer side communication terminal device. Based on the information, a line connection is made to the accounting system of the financial institution that has the account, and the customer-side communication terminal device is connected to the accounting system. The financial institution system processes the financial institution business based on the transferred instruction content, and the accounting system transmits the processed financial institution business information. A plurality of financial institution business processes by a communication network, characterized by being transferred to a customer side communication terminal device through a data processing device of a bank management communication system, and the customer side communication terminal device storing processing information of financial institution business Method. 2. The financial institution business is processing including balance inquiry, transfer and transfer, and cash deposit / withdrawal using an electronic wallet that uses a storage medium that can be attached to and detached from the customer-side communication terminal device. A plurality of financial institution business processing methods by the communication network according to claim 1. 3. A plurality of financial institution business by a communication network according to claim 1, wherein the processing information of the financial institution business is stored in an information storage medium which can be attached to and detached from or built in a customer side communication terminal. Processing method. 4. The customer-side communication terminal device is a mobile communication device, and the mobile communication device and an automatic transaction device connected to an accounting system through a data processing device of the multi-bank operating communication system establish a wireless line connection. And transfer the processing information of the financial institution business stored in the mobile communication device,
2. A plurality of financial institution business processing methods by a communication network according to claim 1, wherein the automatic transaction device processes financial institution business including cash deposit / withdrawal and transaction record output. 5. A multi-bank system in which the communication network of the customer side and the accounting system of each of the plurality of financial institutions are located between the communication terminal device of the customer and each of the accounting systems of the plurality of financial institutions by a communication network. In a multi-financial institution business processing communication system for processing financial institution business through an operational communication system, the customer side communication terminal device is connected to a multi-bank operational communication system connected to a line, to an accounting system of a financial institution that has an account. Connection information of the financial institution, and transfer the instruction content of the processing related to the financial institution business to the accounting system connected to the line, and transfer the transferred processing information of the financial institution business to a removable or built-in storage medium. The multi-bank operating communication system stores an account based on transfer information from the customer-side communication terminal device through a line connection. A line connection is made to the accounting system of the financial institution that is installed, and the accounting system processes the financial institution business based on the transferred instruction on the customer side communication terminal device, and the processed financial institution A multi-financial institution business processing communication system, wherein business information is transferred from the multi-bank operating communication system to the customer side communication terminal device. 6. The removable or removable storage medium is an integrated circuit (IC) card, which can be removably or built in the customer side communication terminal device as processing information of financial institution business. The multi-financial institution business processing communication system according to claim 5, wherein information including balance inquiry, transfer and transfer, and cash deposit / withdrawal by an electronic wallet using a different storage medium is stored. 7. The customer-side communication terminal device is a mobile communication device, the mobile communication device is provided with a wireless communication means, and is communicatively connected to an accounting system, and the wireless communication means of the mobile communication device is provided. Financial transactions stored in the portable communication device by wireless connection between the wireless communication means of the portable communication device and the wireless communication means of the automatic transaction device. 6. The multi-financial institution business processing communication system according to claim 5, wherein processing information of institutional business is transferred, and financial institution business including cash deposit / withdrawal and transaction record output by the automatic transaction device is executed. 8. The customer-side communication terminal device is a fixed communication terminal, and the fixed communication terminal is used as processing information of financial institution business.
The customer's communication terminal device is equipped with a removable integrated circuit card for storing information including balance inquiry, transfer and transfer, cash deposit / withdrawal using an electronic wallet using a removable storage medium, and the integrated circuit card is It has an automatic transaction device that is mounted and is communicatively connected to a billing system, and the automatic transaction device is based on processing information of financial institution business stored in an integrated circuit card attached to the automatic transaction device. The multi-financial institution business processing communication system according to claim 5, which executes a financial institution business including cash deposit / withdrawal and transaction record output. 9. The automatic transaction device is provided with a storage means for storing computerized maintenance technical information to be read out at the time of maintenance work including operation failure in the automatic transaction device. The multiple financial institution business processing communication system described. 10. An accounting system and / or a multi-bank management communication system is provided with a database device that stores computerized maintenance technical information to be read out at the time of maintenance work including the occurrence of an operation failure in the automatic transaction device. The multi-financial institution business processing communication system according to claim 7 or 8. 11. The automatic transaction apparatus executes processing of financial institution business including balance inquiry, transfer and transfer, cash deposit / withdrawal with an accounting system through a multi-bank management communication system, and A control including a central processing unit, a main storage device, and an auxiliary storage device for recognizing a failure occurrence in a transaction device and a stored cash amount and notifying the multi-bank operating communication system and / or the accounting system 9. A device, and a man-machine interface device that performs wired connection and / or wireless connection with the control device and includes an input operation unit, a display unit, and a cash deposit / withdrawal unit. Multiple financial institution business processing communication system. 12. The control device and / or the man-machine interface device is a device in which the control device and / or the man-machine interface device are unitized in a replaceable manner, and together with a central processing unit, a main storage device, and an auxiliary storage device of the control device 12. The multi-financial institution business processing communication system according to claim 11, wherein each of the input operation unit, the display unit, and the cash depositing / dispensing unit of the man-machine interface device is a replaceable unitized device. 13. The control device is provided with a judging means for judging communication failure due to an interfering wave in a wireless connection between the control device of the automatic transaction apparatus and the man-machine interface device, and the judging means is incapable of communication. 12. The control device switches to a wired connection between the control device and the man-machine interface device when it is determined that the control device is connected to the man-machine interface device.
The multiple financial institution business processing communication system described. 14. (a) A shielding structure from the interfering wave in which the entire automatic transaction device is covered by a metal casing (b) A shielding structure from the interfering wave in a building in which the automatic transaction device is installed (c) The control device and / or the man-machine interface device has a shielding structure from an interference wave. (D) The central control device of the control device, a main storage device, and an auxiliary storage device, and an input operation unit, a display unit of the man-machine interface device, 12. The multi-financial institution business processing communication system according to claim 11, wherein each of the cash deposit / withdrawal units has at least one shielding structure from the interference waves from the interference structure. 15. The plural financial institution business processing communication according to claim 11, wherein the control device and / or the man-machine interface device is provided with a filter and / or a resonance circuit for removing an interference wave signal. system. 16. The multi-bank management communication system collects occurrence failure information for each automatic transaction apparatus and recovery processing history information for the occurrence failure information in a database device, and collects the collected occurrence failure information and recovery processing history information. 6. The multi-financial institution business processing communication system according to claim 5, wherein the multi-financial institution business processing communication system stores and transfers the data to an accounting system of each of the plural financial institutions. 17. An accounting system of each of a plurality of financial institutions, an automatic transaction apparatus connected to the accounting system by a multi-bank operating communication system, and a multi-bank operating communication system with a telephone communication device. The multi-financial institution business processing communication system according to claim 5. 18. An automatic transaction device connected to the accounting system through a multi-bank operating communication system, and an image of the surroundings of the automatic transaction device are captured by the accounting system and / or the multi-bank operating communication system of each of a plurality of financial institutions. And an image display unit for displaying an image from the image capturing unit on an accounting system and / or a multi-bank management communication system of each of a plurality of financial institutions. Item 5
The multiple financial institution business processing communication system described. 19. The multi-bank operating communication system carries out polling communication to the accounting system of each of a plurality of financial institutions, collects processing information related to financial institution business for each customer, and accumulates it in a customer database device. The multi-financial institution business processing communication system according to claim 5, wherein 20. The multi-bank operating communication system and / or the accounting system of each of a plurality of financial institutions are provided with a translation database device for providing information in multiple languages to the customer communication terminal or the automatic transaction device. The multi-financial institution business processing communication system according to claim 5. 21. The plurality of claim 5, wherein the customer side communication terminal and the accounting system of each of the plurality of financial institutions process the financial institution business executed through the multi-bank operating communication system by encryption. Financial institution business processing communication system. 22. The customer side communication terminal and the automatic transaction device, in order to execute a financial institution business through the accounting system of each of a plurality of financial institutions and a multi-bank management communication system, 6. An authentication function device for confirming whether the automatic transaction device is an authenticated device is provided on a communication network.
The multiple financial institution business processing communication system described. 23. The communication network is TCP / I
The multi-financial institution business processing communication system according to claim 5, which is a communication network under a P environment. 24. The accounting system in which the customer communication terminal transfers the connection information to the accounting system of the financial institution with which the account is opened, to the multi-bank operating communication system connected to the line, and the accounting system connected to the line. The step of transferring the instruction content related to the financial institution business to the customer, and storing the transferred processing information of the financial institution business in a removable or built-in storage medium; Based on the transfer information by the line connection from the side communication terminal,
The step of connecting the line to the accounting system of the financial institution that has opened the account, and the accounting system processes the financial institution business based on the transferred instruction on the customer communication terminal, and executes this processing. Transferring information of financial institution business from the multi-bank operating communication system to the customer communication terminal, the customer communication terminal device being a mobile communication device, and data processing of the mobile communication device and the multi-bank operating communication system A wireless line connection is made with the automatic transaction device connected to the accounting system through the device, the processing information of the financial institution business stored in the portable communication device is transferred, and the automatic transaction device deposits and withdraws cash and makes a transaction. A step of processing a financial institution business including output of records, and a substantial computer executing control of at least one step of Program.