JP2017138877A - Transaction device and transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction device with which it is possible to efficiently specify a transaction in which there is occurrence of a doubt, even when a doubt occurs in transaction establishment between an automatic transaction device and a management device due to power outage.SOLUTION: A transaction device of the present invention does a transaction that involves receiving and making payments in cash, the device comprising: communication means for communicating with a management device that manages the transaction device; transaction processing means for processing the transaction while communicating with the management device; power supply means for supplying electric power; detection means for detecting that the electric power from the power supply means is cut off; and auxiliary power supply means for supplying stored auxiliary electric power when power outage is detected by the detection means. When power outage is detected by the detection means at prescribed timing of the transaction, the transaction processing means stores a currently executed transaction as a doubtful transaction for which a doubt will arise as to whether a transaction is actually established with the management device.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a transaction apparatus and a transaction system, and can be applied to a transaction apparatus that can appropriately perform termination processing when a power failure occurs in, for example, an automatic teller machine (ATM).

  For example, an automatic teller machine (ATM) stops power supply to each unit provided in the ATM when a power failure occurs. Therefore, the ATM switches the power supply destination to the backup power supply device (battery), receives the power supply from the backup power supply device, and performs transaction processing. Thereby, the customer can continue dealings (refer to patent documents 1).

JP2013-235360A

  However, in the technique described in Patent Document 1, when the battery is not sufficiently supplied (when charging is insufficient), the continuation of the transaction is not guaranteed, and the ATM operating system (OS ) And applications may cause problems.

  In particular, if the OS is abnormally terminated at the timing when the ATM and the host computer are performing transaction processing while communicating with each other, depending on the timing, the transaction is established as the ATM state, but the host computer ( There is a possibility that the transaction will be unsuccessful (or vice versa). For example, even though cash is actually deposited in an ATM, a deposit transaction is not established on the host computer, and the amount of money deposited may not be reflected in the customer's account on the system.

  For this reason, there is a demand for a transaction apparatus and a transaction system that can efficiently identify a transaction in which a suspicion has occurred even when a suspicion arises in the transaction establishment between the automatic transaction apparatus and the management apparatus due to the occurrence of a power failure.

  The first aspect of the present invention relates to a transaction apparatus that performs transactions involving cash deposits and withdrawals, (1) a communication means that communicates with a management apparatus that manages the transaction apparatus, and (2) while communicating with the management apparatus, Transaction processing means for performing processing related to the transaction; (3) power supply means for supplying power; (4) detection means for detecting that the power from the power supply means has failed; and (5) power failure by the detection means. (6) When the transaction processing unit detects a power outage by the detection unit at a predetermined timing of the transaction, The present transaction is stored as a suspicious transaction in which there is a suspicion as to whether or not a transaction has actually been established with the management device.

  2nd this invention is a transaction system provided with a transaction apparatus and the management apparatus which manages the said transaction apparatus, (1) The said transaction apparatus is the transaction apparatus of 1st this invention, The said management apparatus is Upon receiving a notification regarding power from the transaction device, data relating to the transaction with the transaction device is extracted according to a predetermined condition, and the extracted data is created as suspicious transaction data in which the suspicion of establishment of the transaction occurs. It has the means.

  The third aspect of the present invention is a transaction apparatus that performs transactions involving cash deposits and withdrawals, (1) power supply means for supplying power, and (2) detection means for detecting that power from the power supply means has failed. (3) Auxiliary power supply means for supplying the stored auxiliary power when a power failure is detected by the detection means, and (4) Normal operating system and application running on the transaction device using the auxiliary power And a power management means for controlling to turn off the power of the transaction apparatus.

  ADVANTAGE OF THE INVENTION According to this invention, even when suspicion arises in the transaction establishment between an automatic transaction apparatus and a management apparatus by having generate | occur | produced the power failure, the transaction which suspicion occurred efficiently can be specified.

It is an internal block diagram which shows the internal structure of the automatic transaction apparatus 1-n of 1st Embodiment. It is a whole lineblock diagram showing the whole financial transaction system composition of a 1st embodiment. It is an external appearance perspective view which shows the external appearance structure of the automatic transaction apparatus of 1st Embodiment. It is an internal block diagram which shows the detailed internal structure of the power supply unit of 1st Embodiment. It is explanatory drawing which shows the electric power supply to each unit at the normal time (when there is no abnormality, such as a power failure) of the power supply unit of 1st Embodiment. It is explanatory drawing which shows the electric power supply (electric power backup operation | movement) to each unit at the time of abnormality of the power supply unit of 1st Embodiment (at the time of a power failure occurrence). It is a block diagram which shows an example of the journal data (suspicious transaction corresponding | compatible version) which the automatic transaction apparatus of 1st Embodiment produces. It is a block diagram which shows an example of a suspicious transaction list which the host computer of 1 embodiment produces. It is the flowchart shown about the operation | movement at the time of a payment transaction being performed with the automatic transaction apparatus of 1st Embodiment. It is the flowchart shown about the operation | movement when a power failure generate | occur | produces, when the payment transaction is performed with the automatic transaction apparatus of 1st Embodiment. It is the flowchart shown about the characteristic operation | movement (suspected transaction list creation) of the host computer of 1st Embodiment. It is the flowchart shown about the operation | movement at the time of a payment transaction being performed with the automatic transaction apparatus of 2nd Embodiment. It is the flowchart shown about the operation | movement when a power failure generate | occur | produces, when the payment transaction is performed with the automatic transaction apparatus of 2nd Embodiment.

(A) 1st Embodiment Below, 1st Embodiment of the transaction apparatus and transaction system of this invention is described in detail, referring drawings. In addition, in each figure, about the same component or the same component, the same code | symbol is attached | subjected and those overlapping description is abbreviate | omitted.

(A-1) Configuration of the First Embodiment (A-1-1) Overall Configuration FIG. 2 is an overall configuration diagram showing the overall configuration of the financial transaction system of the first embodiment. In FIG. 2, a financial transaction system 10 includes a plurality of automatic transaction apparatuses 1-1 to 1-N (N is a positive integer), a host computer 2, a mail server 3, and a PC 4 that can be connected to a network N. Composed.

  The network N is a communication network capable of communicating data related to financial transactions, and for example, a dedicated network can be applied. The network N may be a public network as long as it can communicate data related to financial transactions.

  The automatic transaction apparatus 1-n (1 ≦ n ≦ N) is, for example, an automatic teller machine (ATM) provided in a financial institution, a station, a convenience store, a hotel, or the like. The automatic transaction apparatus 1-n can communicate with the host computer 2 via the network N. For example, various financial transactions such as a transfer transaction, a deposit transaction (payment transaction), a withdrawal transaction (withdrawal transaction), a passbook entry transaction, etc. It is a transaction.

  The host computer 2 as a management device is a host computer of a financial institution, and when acquiring information related to a transaction from the automatic transaction device 1-n, manages the contents of the transaction performed by the customer based on the acquired information related to the transaction. Is. The host computer 2 also has a suspicious transaction creation unit 5 as a suspicious transaction creation means to be described later.

  The mail server 3 is a server that relays transmission and reception of e-mails. The mail server 3 uses a protocol such as SMTP (Simple Mail Transfer Protocol), POP (Post Office Protocol), etc. as a mail transmission / reception protocol.

  The PC 4 is assumed to be a PC on which a general OS (for example, Windows (registered trademark)) and various software (for example, e-mail software, Web browser, etc.) are installed. In this embodiment, the PC 4 is a PC used by a person who maintains and manages the automatic transaction apparatus 1-n (hereinafter referred to as “person in charge”).

(A-1-2) Detailed Configuration of Automatic Transaction Apparatus 1-n FIG. 3 is an external perspective view showing an external configuration of the automatic transaction apparatus 1-n according to the first embodiment.

  In FIG. 3, the automatic transaction apparatus 1-n according to the first embodiment includes an operation display unit 100, a card insertion / extraction port 13, a bill insertion / extraction port 14, a coin insertion / extraction port 15, a passbook entry / exit 16, and a receipt discharge port 17. .

  The operation display unit 100 displays, for example, a transaction type selection menu screen, an operation screen for each transaction, a confirmation screen for transaction details, and takes in input information input by a customer. For example, a touch panel type operation display unit can be applied to the operation display unit 100. The operation display unit 100 is not limited to a touch panel type in which the operation unit and the display unit are integrated, and the operation unit and the display unit may be physically different from each other.

  The card entry / exit 13 is for a customer to insert a cash card or take out a cash card.

  The banknote entrance / exit 14 is for a customer to insert a banknote or take out a banknote. The banknote entrance / exit 14 may be, for example, a bucket type having an openable / closable body. When the customer inserts the banknote, the customer inserts the banknote into the opening of the bucket, and then the automatic transaction apparatus 1-n takes in the inserted banknote with the opening / closing body closed. Moreover, when the automatic transaction apparatus 1-n returns a banknote, the automatic transaction apparatus 1-n pays out a banknote to a bucket, and an opening-and-closing body will open | release after that.

  The coin inlet / outlet 15 is used by the customer to insert coins or take out coins. As the coin inlet / outlet 15, for example, a bucket type that can be opened and closed can be used. Also in this case, similarly to the banknote inlet / outlet port 14, when the customer inserts a coin, the customer inserts the coin into the opening of the bucket, and then the automatic transaction apparatus 1-n closes the opening / closing body and inserts the coin. Capture. Moreover, when automatic transaction apparatus 1-n returns a coin, automatic transaction apparatus 1-n pays out a coin to a bucket, and an opening-closing body will open | release after that.

  The bankbook entry / exit 16 is for a customer to insert a bankbook or take out a bankbook.

  The receipt discharge port 17 is for discharging a receipt on which transaction contents are printed.

  FIG. 1 is an internal configuration diagram showing an internal configuration of the automatic transaction apparatus 1-n according to the first embodiment. In FIG. 1, the automatic transaction apparatus 1-n includes a control unit 20, a power supply unit 40, a battery B, a bill unit 50, a coin unit 60, a receipt unit 70, a passbook unit 80, a card unit 90, and an operation display unit 100. .

  The control unit 20 is a computer on which an OS (Operations System) is mounted, and is connected to each unit (operation display unit 100 and the like) and controls them. The control unit 20 includes a communication unit 23 as a communication unit that performs communication via the network N, and a storage unit 24 of the HDD. The OS and application programs stored in the HDD are expanded in the memory 26, and the program Is executed by a CPU (Central Processing Unit) 25, thereby realizing a function as an automatic transaction apparatus.

  The control unit 20 includes a transaction processing unit 21 and a transaction state monitoring unit 22.

  The transaction processing unit 21 as a transaction processing means performs various transaction processes such as a transfer transaction, a deposit transaction (payment transaction), a withdrawal transaction (withdrawal transaction), and the like. Withdraw processing. Moreover, the transaction processing part 21 memorize | stores the journal data which shows the content of transaction in the memory | storage part 24, whenever a transaction process is performed. The transaction processing unit 21 serving as a power management unit has a function of controlling the power supply unit 40 and shutting down the OS and applications during a power failure.

  The transaction state monitoring unit 22 monitors the transaction state by the transaction processing unit 21 of the automatic transaction apparatus 1-n. When a power outage is detected, which state is currently in the transaction processing procedure? Is something to get.

  The banknote unit 50 is a mechanism for handling banknotes. For example, when a transaction is executed, a banknote inserted by the customer from the banknote inlet / outlet 14 is taken into the apparatus, a banknote is identified, or a banknote is stored in a predetermined manner inside the apparatus. Or accumulate in places. Moreover, the banknote unit 50 discharge | releases the banknote which cannot be taken in in the inside of an apparatus, and the banknote which should be returned to a customer from the banknote inlet / outlet 14 to the apparatus exterior.

  The coin unit 60 is a mechanism for handling coins. For example, at the time of execution of a transaction, a coin inserted by the customer from the coin inlet / outlet 15 is taken into the apparatus, a coin is identified, or a coin is given a predetermined inside the apparatus. Or accumulate in places. Further, the coin unit 60 discharges coins that cannot be taken into the apparatus or coins that should be returned to the operator from the coin inlet / outlet 15 to the outside of the apparatus.

  The receipt unit 70 prints the transaction content on a medium (receipt) and discharges the printed receipt from the receipt discharge port 17.

  The passbook unit 80 has a function of printing on a passbook, reading magnetic data from a magnetic tape attached to the passbook, and a function of taking in and discharging the passbook.

  The card unit 90 is a mechanism for handling a card (cash card or credit card). For example, when executing a transaction, the card unit 90 takes in a card inserted from the card entrance / exit 13 by a customer, or provides a magnetic field provided on the card. Magnetic information is read from the stripe, and stored information is read from a storage unit built in the IC card. The card unit 90 discharges the card from the card slot 13 to the outside of the apparatus at the end of the transaction.

  The power supply unit 40 as power supply means receives AC power (AC voltage) from the commercial power source A, converts the AC voltage into DC power (DC voltage), and supplies the converted DC power to each unit. .

  FIG. 4 is an internal configuration diagram showing a detailed internal configuration of the power supply unit 40.

  In FIG. 4, a power supply unit 40 includes an AC-DC conversion circuit 41 that converts an AC voltage input from a commercial power supply A into a DC voltage, and a mechanical power supply DC-DC that converts power to a mechanical system as a mechanical power supply. A conversion circuit 42, a control system power source DC-DC conversion circuit 43 that converts power to the control unit 20 and the operation display unit 100 as a control system power source, a power failure detection circuit 46 that monitors the AC input voltage, and a battery B as auxiliary power means A charging circuit 45 for charging the battery, a battery state detecting circuit 47 for detecting the battery state, a switching circuit 44 for switching the power supply to each unit, and a control circuit 48 as a detecting means for notifying the control unit 20 of power failure information and the like. Have

  FIG. 5 is an explanatory diagram showing power supply to each unit when the power supply unit 40 is normal (when there is no abnormality such as a power failure). In FIG. 5, in addition to the configuration of the power supply unit 40 illustrated in FIG. 4, an image indicating power supply is indicated by a thick line (arrow). In FIG. 5, when an AC voltage is input from the commercial power supply A, the power supply unit 40 converts the DC voltage into a DC voltage by the AC-DC conversion circuit 41, and then converts the banknote unit 50, coins by the mechanical power supply DC-DC conversion circuit 42. Power is supplied to the unit 60, the receipt unit 70, the bankbook unit 80, and the card unit 90. The power supply unit 40 supplies power to the control unit 20 and the operation display unit 100 by the control system power supply DC-DC conversion circuit 43 after being converted into a DC voltage by the AC-DC conversion circuit 41. The power supply unit 40 charges the battery B with the charging circuit 45.

  FIG. 6 is an explanatory diagram showing power supply (power backup operation) to each unit when the power supply unit 40 is abnormal (when a power failure occurs). In FIG. 6, in addition to the configuration of the power supply unit 40 shown in FIG. 4, an image indicating power supply is indicated by a thick line (arrow). In FIG. 6, when a DC voltage is input to the power supply unit 40 from the battery B that is normally charged, the switching circuit 44 supplies power to the card unit 90, the operation display unit 100, and the control unit 20. When a power failure occurs, no AC voltage is input from the commercial power source A. Therefore, the AC-DC conversion circuit 41 and the mechanical power source DC-DC conversion circuit 42 are stopped, so that the banknote unit 50, the coin unit 60, the receipt are stopped. The operations of the mechanical units such as the unit 70 and the passbook unit 80 are completely stopped.

  The control unit 20 can continue operating the OS and the application (transaction processing unit 21) by receiving power supply from the battery B even during a power failure. Moreover, the card unit 90 can return the card taken in to the customer by receiving power supply from the battery B. Furthermore, the operation display unit 100 can notify the customer of the current transaction status even in the event of a power failure by receiving power supply from the battery B.

  Next, the process performed by the transaction processing unit 21 when a power failure occurs will be described.

  The transaction processing unit 21 outputs a power failure signal by the power supply unit 40 (control circuit 48) at a predetermined transaction stage of the deposit transaction or the withdrawal transaction (for example, in the withdrawal transaction, after the cash is actually deposited). Upon receipt, marking the suspicious transaction as being a transaction that cannot be guaranteed whether or not the current transaction has actually been concluded with the host computer 2 (hereinafter referred to as “suspicious transaction”) ( For example, the fact that the transaction is a suspicious transaction is stored in the journal data).

  FIG. 7 is a configuration diagram showing an example of journal data (suspicious transaction correspondence version). In FIG. 7, the journal data J is “sequential number” assigned to each financial transaction performed by operating the automatic transaction apparatus 1 -n in the order of operation, “date” and “time” when the financial transaction was performed. , “Bank number” for identifying a financial institution, “branch number” for identifying a branch that manages the automatic transaction apparatus 1-n, “account number” for identifying a customer account, “transaction type” indicating the type of financial transaction ”,“ Amount ”of financial transaction,“ transaction ID ”for identifying a transaction with the host computer 2, and“ suspicious transaction flag ”indicating whether or not the transaction is a suspicious transaction. . In the example of FIG. 7, it is assumed that “0” indicating that the transaction is not a suspicious transaction is set as an initial value.

  For example, when the transaction processing unit 21 detects the occurrence of a power failure while processing the data with the “serial number” item “0007” in FIG. 7, the transaction processing unit 21 changes the “suspicious transaction flag” item of the data from “0”. Set to “1”, which indicates a suspicious transaction.

  And if the automatic transaction apparatus 1-n (transaction processing part 21) memorize | stores that it is a suspicious transaction in the journal data J, a card will be returned to a customer and it will shut down. After the power failure is restored, the automatic transaction apparatus 1-n restarts and transmits a message (Power failure) indicating that the power has been turned off / on to the host computer 2. As described above, the automatic transaction apparatus 1-n stores the transaction at the time of the power failure as the suspicious transaction in the journal data J, so that the suspicious transaction is actually established with the host computer 2 when the power failure is restored. Whether or not can be confirmed early (easy).

(A-1-2) Detailed configuration of the host computer 2 When the host computer 2 receives “Power failure” from the automatic transaction apparatus 1-n, an abnormality (power failure) has occurred in the automatic transaction apparatus 1-n. There is a possibility that the latest transaction data is extracted (for example, data for the latest seven cases is extracted), and the extracted data is created as a “suspicious transaction list”. FIG. 8 is a configuration diagram illustrating an example of a suspicious transaction list created by the host computer. In FIG. 8, the suspicious transaction list L identifies, for example, a “transaction ID” that identifies a transaction with the automatic transaction apparatus 1-n, a “date” and “time” at which a financial transaction was performed, and a financial institution. "Bank number", "Branch number" identifying the branch managing the automatic transaction apparatus 1-n, "Account number" identifying the customer's account, "Transaction type" indicating the type of financial transaction, and financial transaction It consists of the item “Amount”.

  In order to scrutinize the suspicious transaction list L, the host computer 2 informs the person in charge (and the customer) of the automatic transaction apparatus 1-n. For example, the host computer 2 has a mail distribution means for transmitting a mail describing that the suspected transaction list L is to be examined through the mail server 3. The host computer 2 may attach the encrypted suspicious transaction list L itself to an email, or may describe a URL (Uniform Resource Locator) to the suspicious transaction list L (in either case) However, if the company in charge can access the suspicious transaction list L, various methods can be applied). Further, the host computer 2 may describe the customer contact information (telephone number, mail address, etc.) described in the alleged transaction list L in the mail. Further, the host computer 2 may send an email indicating that the transaction is currently confirmed to the customer listed in the alleged transaction list L.

  The person in charge makes an inquiry about the journal data J of the automatic transaction apparatus 1-n and the suspicious transaction list L to determine whether or not the suspicious transaction has actually been established between the automatic transaction apparatus 1-n and the journal data J. Can be confirmed early.

(A-2) Operation of the First Embodiment Next, the operation of the financial transaction system 10 of the first embodiment having the above configuration will be described.

(A-2-1) Detailed Operation of Automatic Transaction Device 1-n FIG. 9 is a flowchart showing an operation when a deposit transaction is performed by the automatic transaction device of the first embodiment. First, a description will be given of a deposit transaction during normal times (when no power failure occurs).

  Transaction processing unit 21 causes operation display unit 100 to display an operation screen (hereinafter referred to as a “transaction selection screen”) for accepting selection of a transaction using a cash card. In the following, it is assumed that the transaction processing unit 21 receives a deposit transaction from a customer on the transaction selection screen (S111).

  When a card is inserted through the card slot 13, the transaction processing unit 21 receives the card insertion notification and the read card information from the card unit 90 (S112).

  The transaction processing unit 21 displays an operation screen (hereinafter referred to as a “password input screen”) for accepting the input of the password on the operation display unit 100, and accepts the input of the password from the customer (S113).

  When the transaction processing unit 21 receives the input of the password, the transaction processing unit 21 issues an instruction to open the shutters of the bill slot 14 and the coin slot 15 (S116). At the same time, the transaction processing unit 21 displays a screen for accepting the insertion of cash on the operation display unit 100 (hereinafter referred to as “cash insertion screen”) and accepts the insertion of cash from the customer (S117). Below, the transaction processing part 21 shall accept | permit insertion of the cash from a customer via the banknote inlet / outlet 14 and the coin inlet / outlet 15. FIG.

  When the transaction processing unit 21 accepts the insertion of cash from the customer, the transaction processing unit 21 issues an instruction to close the shutters of the banknote slot 14 and the coin slot 15 (S118).

  The transaction processing unit 21 instructs the banknote unit 50 and the coin unit 60 to count cash (including discrimination) (S119).

  When the transaction processing unit 21 receives the notification of the completion of counting the deposited banknotes and coins, the transaction processing unit 21 displays the count result on the operation display unit 100 and receives confirmation of the count result from the customer (S120).

  When the transaction processing unit 21 receives confirmation of the counting result from the customer in the process of step S120, the transaction processing unit 21 connects to the host computer 2 via the communication unit 23 and confirms the deposit transaction (S121).

  Subsequently, when the transaction processing unit 21 receives the confirmation (OK) of the counting result by the customer, the transaction processing unit 21 performs the process of the next step S123, and when the cancellation (NG) is received, the transaction processing unit 21 performs the process of step S125 (S122).

  Transaction processing unit 21 controls banknote unit 50 and coin unit 60 to store the inserted cash in a predetermined location in each unit (S123).

  The transaction processing unit 21 performs control to print the transaction contents on the receipt by the receipt unit 70 and to discharge the printed receipt from the receipt discharge port 17 (S124).

  The transaction processing unit 21 controls the card unit 90 to discharge the cash card from the card entry / exit 13 (S125).

  The above is a series of processing of the deposit transaction of the automatic transaction apparatus 1-n (when no power failure occurs). Next, the process at the time of a power failure during a deposit transaction will be described. In FIG. 9, the transaction state monitoring unit 22 constantly monitors which stage (step) the transaction state is during the deposit transaction, and when detecting a power failure signal from the power supply unit 40 (control circuit 48), the transaction processing unit 21. Are notified to perform the following process (FIG. 10) (S200).

  FIG. 10 is a flowchart illustrating an operation when a power failure occurs while a deposit transaction is performed in the automatic transaction apparatus according to the first embodiment.

  When the power failure detection circuit 46 detects the interruption of power from the commercial power source A, the power supply unit 40 switches the switching circuit 44 to supply power from the battery B, and switches to the control unit 20, the card unit 90, and the operation display unit 100. Electric power is supplied (S201).

  The transaction processing unit 21 determines whether or not the deposit transaction is after a predetermined process (in this example, step S118 in FIG. 9) (S202). When it is determined that the deposit transaction is after step S118, the transaction processing unit 21 performs the process of the next step S203, and otherwise proceeds to the process of step S125.

  The transaction processing unit 21 performs a suspicious transaction process for the current deposit transaction (S203). Specifically, as described above, the transaction processing unit 21 describes that it is a suspicious transaction for the corresponding data in the journal data J (sets the suspicious transaction flag from “0” to “1”). ).

  Since the process of step S125 is the same as the above, the description thereof is omitted.

  The automatic transaction apparatus 1-n (transaction processing unit 21) performs a shutdown after returning the card to the customer.

  The automatic transaction apparatus 1-n restarts after power failure recovery and transmits “Power failure” to the host computer 2.

(A-2-2) Detailed Operation of Host Computer 2 FIG. 11 is a flowchart showing the characteristic operation (suspected transaction list creation) of the host computer of the first embodiment.

  The host computer 2 receives “Power failure” from the automatic transaction apparatus 1-n (S301).

  The host computer 2 creates a suspicious transaction list L (S302). Specifically, as described above, the host computer 2 determines the automatic transaction apparatus 1 according to predetermined conditions (for example, data for the latest several cases, data for the last five minutes, data relating to the last transaction). Extract data (transaction data) related to transactions conducted with -n to create a suspicious transaction list L.

  The host computer 2 writes information (for example, URL) regarding the location of the suspicious transaction list L in an email and transmits it to the PC 4 of the person in charge (S303).

  Thereafter, the person in charge inquires the journal data J of the automatic transaction apparatus 1-n and the suspicious transaction list L, so that the suspicious transaction is actually established between the automatic transaction apparatus 1-n and the journal data J. It can be confirmed at an early stage.

(A-3) Effects of First Embodiment According to this embodiment, the following effects can be achieved.

  The automatic transaction apparatus 1-n allows the control unit 20 to normally shut down the OS by continuously supplying power from the battery B even if an input power abnormality such as a power failure occurs during operation (transaction data) Can be protected). If the transaction is in progress, the operation display unit 100 can inform the customer that a power outage has occurred and the system is in shutdown. Moreover, the card inserted by the card unit 90 can be returned without staying at the automatic transaction apparatus 1-n.

  Further, the automatic transaction apparatus 1-n stores in the journal data J a suspicious transaction in which a power failure occurs at a predetermined timing of the deposit transaction and a suspicion of whether or not the transaction has been established with the host computer 2 is stored in the journal data J. Inquiries about this alleged transaction can be made easily after recovery.

  When the host computer 2 creates the suspicious transaction list L, the person in charge can easily clarify the suspicious transaction by referring to the journal data J in which the suspicious transaction exists and the suspicious transaction list L.

(B) 2nd Embodiment Below, 2nd Embodiment of the transaction apparatus and transaction system of this invention is described in detail, referring drawings. In addition, in each figure, about the same component or the same component, the same code | symbol is attached | subjected and those overlapping description is abbreviate | omitted.

(B-1) Configuration of Second Embodiment The configurations of the automatic transaction apparatus and the financial transaction system of the second embodiment can also be shown using FIGS. 1 to 8 as in the first embodiment. .

  Below, the structure of the automatic transaction apparatus 1-n of 2nd Embodiment is demonstrated centering on the difference with 1st Embodiment.

  In 1st Embodiment, although the transaction processing part 21 showed the example which performs suspicion transaction processing when a power failure generate | occur | produces in the predetermined | prescribed stage in the middle of payment transaction, in 2nd Embodiment, transaction processing part 21 When a power outage occurs at a predetermined stage, the suspicious transaction process is performed in the same manner as the deposit transaction. Details will be described in the operation section.

(B-2) Operation | movement of 2nd Embodiment Next, operation | movement of the financial transaction system 10 of 2nd Embodiment which has the above structures is demonstrated.

(B-2-1) Detailed Operation of Automatic Transaction Device 1-n FIG. 12 is a flowchart showing an operation when a withdrawal transaction is performed in the automatic transaction device of the second embodiment. First, the withdrawal transaction at normal time (when no power failure occurs) will be described.

  The transaction processing unit 21 causes the operation display unit 100 to display a transaction selection screen for accepting transaction selection using a cash card. In the following, it is assumed that the transaction processing unit 21 receives a withdrawal transaction from a customer on the transaction selection screen (S411).

  When a card is inserted through the card slot 13, the transaction processing unit 21 receives the card insertion notification and the read card information from the card unit 90 (S412).

  The transaction processing unit 21 causes the operation display unit 100 to display a personal identification number input screen for accepting an input of the personal identification number, and accepts an input of the personal identification number from the customer (S413).

  When the transaction processing unit 21 receives an input of a personal identification number from a customer, the transaction display unit 21 displays an operation screen (hereinafter referred to as a “withdrawal amount input screen”) for receiving an input of a withdrawal amount (transaction amount) on the operation display unit 100. And display the withdrawal amount input from the customer (S414).

  After receiving the input, the transaction processing unit 21 connects to the host computer 2 via the communication unit 23, and confirms customer information, account information, and money amount information managed in the host computer 2 (S415).

  The transaction processing unit 21 performs the process of the next step S419 when accepting the withdrawal confirmation (OK) by the customer, and performs the process of step S422 when accepting the cancellation (NG) (S417).

  Transaction processing unit 21 instructs banknote unit 50 and coin unit 60 to count the cash to be withdrawn (including discrimination) (S419).

  When the transaction processing unit 21 receives the notification of the completion of counting of banknotes and coins, it conveys cash to the banknote inlet / outlet 14 and the coin inlet / outlet 15 and issues an instruction to open the shutter (S420). In the following, it is assumed that the cash withdrawn by the customer is collected.

  The transaction processing unit 21 performs control to print the transaction contents on the receipt by the receipt unit 70 and to discharge the printed receipt from the receipt discharge port 17 (S421).

  Transaction processing unit 21 controls card unit 90 to discharge the cash card from card slot 13 (S422).

  The above is a series of processing of the withdrawal transaction of the automatic transaction apparatus 1-n (when no power failure occurs). Next, processing at the time of a power failure during a withdrawal transaction will be described. In FIG. 12, the transaction state monitoring unit 22 always monitors which stage (step) the transaction state is during the withdrawal transaction, and when a power failure signal is detected from the power supply unit 40 (control circuit 48), the transaction processing unit 21 is notified to perform the following processing (FIG. 10) (S200).

  FIG. 13 is a flowchart illustrating an operation when a power failure occurs when a withdrawal transaction is performed in the automatic transaction apparatus according to the second embodiment. 13 and FIG. 10 have the same processing contents, and therefore the description thereof will be omitted (only the processing of step S502 is different).

  The transaction processing unit 21 determines whether or not the withdrawal transaction process is after a predetermined process stage (step S417 in FIG. 12 in this example) (S502). When it is determined that the withdrawal transaction is after step S417, the transaction processing unit 21 performs the process of the next step S203, and otherwise shifts to the process of step S125.

(B-2-2) Detailed operation of the host computer 2 The processing of the host computer 2 of the second embodiment is the same as that of the first embodiment, and a description thereof will be omitted.

(B-3) Effect of Second Embodiment According to the second embodiment, the same effect as the effect described in the section of the effect of the first embodiment can be achieved.

(C) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

  (C-1) In each of the embodiments described above, the automatic transaction apparatus 1-n described the suspected transaction in the journal data J in the suspicious transaction process (step S203), and finished the process. As a modified example, the automatic transaction apparatus 1-n sends a message describing information (for example, transaction ID etc.) that can specify data related to a suspicious transaction on the host computer 2 side to the host computer 2 before shutting down. You may send it. The host computer 2 can discover data related to suspicious transactions earlier (create a suspicious transaction list) based on the information described in the message. If the data relating to the alleged transaction can be uniquely identified, the host computer 2 can determine whether or not the alleged transaction has been automatically established by acquiring the journal data J without going through the person in charge. it can.

  (C-2) In each of the above embodiments, it has been described that power is not supplied from the battery B to the bankbook unit 80 at the time of a power failure. However, the automatic transaction apparatus 1-n uses the bankbook to perform deposit transactions and payments. When gold trading can be performed, power may be supplied from the battery B to the bankbook unit 80 via the switching circuit 44 even during a power failure.

  DESCRIPTION OF SYMBOLS 1 (1-1-1-n), 2 ... Host computer, 3 ... Mail server, 5 ... Suspicious transaction creation part, 10 ... Financial transaction system, 13 ... Card entrance / exit, 14 ... Banknote entrance / exit, 15 ... Coin insertion Exit, 16 ... Passbook entry / exit, 17 ... Receipt discharge port, 20 ... Control unit, 21 ... Transaction processing unit, 22 ... Transaction status monitoring unit, 23 ... Communication unit, 24 ... Storage unit, 25 ... CPU, 26 ... Memory, DESCRIPTION OF SYMBOLS 40 ... Power supply unit, 41 ... AC-DC conversion circuit, 42 ... Mechanical system power supply DC-DC conversion circuit, 43 ... Control system power supply DC-DC conversion circuit, 44 ... Switching circuit, 45 ... Charging circuit, 46 ... Power failure detection circuit , 47 ... battery state detection circuit, 48 ... control circuit, 50 ... banknote unit, 60 ... coin unit, 70 ... receipt unit, 80 ... bankbook unit, 90 ... card unit, 100 ... operation display unit, ... commercial power supply, B ... battery, J ... journal data, L ... suspicion transaction list, N ... network.

Claims (7)

In a transaction device that performs transactions involving cash deposits and withdrawals,
Communication means for communicating with a management device for managing the transaction device;
Transaction processing means for performing processing related to the transaction while communicating with the management device;
Power supply means for supplying power;
Detection means for detecting that power from the power supply means has failed; and
An auxiliary power supply means for supplying the stored auxiliary power when a power failure is detected by the detection means;
When the transaction processing means detects a power outage by the detection means at a predetermined timing of the transaction, there is a suspicion as to whether or not a transaction has actually been established with the management device. A transaction device characterized by memorizing a suspicious transaction that occurs.   2. The transaction apparatus according to claim 1, wherein the predetermined timing is a timing after accepting cash input in a deposit transaction or a timing after accepting confirmation of a withdrawal amount in a withdrawal transaction. .   The transaction apparatus according to claim 1, wherein the transaction processing unit transmits information specifying the suspicious transaction to the management apparatus via the communication unit.   The system further comprises a power management unit that performs control to normally turn off an operating system and an application operating on the transaction device by using the auxiliary power, and to turn off the power of the transaction device. 4. The transaction apparatus according to any one of 3. In a transaction system comprising a transaction device and a management device that manages the transaction device,
The transaction apparatus is the transaction apparatus according to any one of claims 1 to 4,
When the management device receives a notification regarding power from the transaction device, the management device extracts data related to the transaction with the transaction device according to a predetermined condition, and the extracted data is suspicious transaction data that causes suspicion in the establishment of the transaction. A transaction system comprising a suspicious transaction creation means for creating.   When the suspicious transaction data is created by the suspicious transaction creating means, the management device delivers an email including information describing the location of the suspected transaction data or the suspected transaction data to a predetermined e-mail address. 6. The transaction system according to claim 5, further comprising distribution means. In a transaction device that performs transactions involving cash deposits and withdrawals,
Power supply means for supplying power;
Detection means for detecting that power from the power supply means has failed; and
Auxiliary power supply means for supplying stored auxiliary power when a power failure is detected by the detection means;
A transaction apparatus comprising: a power management unit that performs control to normally terminate an operating system and an application operating on the transaction apparatus using the auxiliary power, and to turn off the power of the transaction apparatus.

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