JP2005165857A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction device that can carry out procedures for opening a new account by verifying personal identification and documents for identifying the individual, without the customer having to visit a counter of a financial institution. <P>SOLUTION: The device comprises a host interface part that is connected to a host computer, an account processing part 18 provided with an image-processing and character-recognizing part that reads entries on an application form for opening a new account, and a card/receipt-processing part 13 that reads information stored in an IC card-type ID card. After identifying the individual by collating the entries written on the application form with the information for personal identification, registers a new account in the host computer. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an automatic transaction apparatus.

  In the past, branches such as banks, credit unions, post offices and other financial institutions have automatic transaction devices such as ATM (Automatic Teller Machine) and CD (Cash Dispenser). is set up. And a customer operates the said automatic transaction apparatus by himself and performs financial transactions, such as payment | withdrawal, withdrawal, transfer, transfer, and passbook entry (for example, refer patent document 1).

  FIG. 2 is a view showing the appearance of a conventional automatic transaction apparatus.

  In the figure, an automatic transaction apparatus 101 includes an item display unit 102 for displaying items of financial transactions such as deposit, withdrawal, transfer, transfer, bankbook entry, an input device such as a keyboard and a touch panel, a CRT, a liquid crystal display, an LED (Light Emitting Diode) Customer operation unit 106 having a display device such as a display, handling of a card such as a cash card and a card / receipt processing unit 103 for issuing a receipt as a transaction statement slip, a coin processing unit 104 for handling a coin, It has a banknote processing unit 105 to be handled and a bankbook processing unit 108 for performing bankbook entry.

  Since items of various financial transactions such as deposit, withdrawal, transfer, transfer, balance inquiry, etc. are displayed on the display device of the customer operation unit 106, the customer operates the customer operation unit 106 on the desired item. Select by. Generally, the display device of the customer operation unit 106 is a touch panel that can be operated by a customer with a finger and also functions as an input device. In this case, the customer selects, for example, the “payment” display with a finger from the selection items as selection means displayed on the display device of the customer operation unit 106. As a result, a guidance screen for depositing is displayed on the display device of the customer operation unit 106, so that the customer inserts a card into the card / receipt processing unit 103 according to the displayed guidance, and if necessary, The passbook is inserted into the passbook processing unit 108.

Further, the customer inserts the banknote into the banknote processing unit 105 if the deposit is only a banknote, and inserts the coin into the coin processing unit 104 when the coin is included. After this operation, the passbook in which the deposited amount is recorded is discharged from the passbook processing unit 108, and the card is discharged from the card / receipt processing unit 103 together with the receipt and returned.
JP-A-5-73751

  However, since the conventional automatic transaction apparatus cannot perform a procedure for opening a new account, the customer goes to a window at a branch of a financial institution to open a new account. Had to do. Generally, in order to open a new account at a financial institution, it is necessary to verify the identity of the customer. In order to confirm the identity, it is necessary for the customer to present materials for identifying the identity such as an identification card. In addition, in order to open a new account, it is necessary to register an imprint.

  However, since the conventional automatic transaction apparatus does not have a function of accepting materials and seals for confirming the identity of the customer, a procedure for a customer to open a new account by operating the conventional automatic transaction apparatus Could not do. Therefore, the customer has to go to a window at a financial institution branch or the like to perform a procedure for opening a new account, and it is necessary to spend a long time and feel annoying. In addition, financial institutions could not reduce the business at the counter and could not reduce the operating cost.

  The present invention solves the problems in the conventional automatic transaction apparatus so that the user can confirm the identity and the material for confirming the identity, and the procedure for opening a new account in the financial institution is performed. It aims at providing the automatic transaction apparatus which can be performed.

  Therefore, in the automatic transaction apparatus of the present invention, a host interface unit connected to the host computer, a passbook processing unit provided with an image processing character recognition unit for reading description items on an application form for opening a new account, A card / receipt processing unit that reads information stored in the IC card type identification card, and after verifying the identity of the application form with the identity confirmation information, Register an account.

  In another automatic transaction apparatus of the present invention, the identity verification information is information stored in the IC card type identification card.

  In still another automatic transaction apparatus of the present invention, the IC card type identification card is a basic resident register card or an IC card driver's license.

  In still another automatic transaction apparatus of the present invention, it further includes a basic resident register net interface unit connected to a basic resident register network, and the IC card type identification card is a basic resident register card, The receipt processing unit reads the resident card code from the basic resident register card, and the personal identification information is acquired via the basic resident register network based on the resident register code.

  In still another automatic transaction apparatus of the present invention, the passbook processing unit issues a new passbook corresponding to the new account, and the card / receipt processing unit is a new card corresponding to the new account. Issue.

  According to the present invention, since the automatic transaction apparatus can perform identity verification and confirmation of the material confirming the identity, the customer operates the automatic transaction apparatus without going to a window at a branch of a financial institution or the like. The procedure for opening a new account can be performed.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a diagram showing an external appearance of an automatic transaction apparatus according to the first embodiment of the present invention, and FIG. 3 is a block diagram showing a system configuration of the automatic transaction apparatus according to the first embodiment of the present invention.

  In FIG. 1, 11 is an automatic transaction apparatus such as ATM, CD, etc. installed in a branch office of a financial institution such as a bank, a credit union, a post office, etc., and the customer of the financial institution operates by itself. It is a device for conducting financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, fixed deposit. The automatic transaction apparatus 11 can be used for a main store, a branch, etc. of a financial institution, a store of a store such as a convenience store, a supermarket, a department store, a station premises, an underground mall, a city hall, a public facility such as a hospital, a factory, an office, etc. It may be installed in any place, such as a private company, a parking lot, or outdoors such as on the side of the road. The automatic transaction apparatus 11 may be a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. Good. The customer is a person who opens his / her own account at a financial institution and uses the financial institution, and is generally an individual, but may be a company, an organization, or the like.

  Here, the automatic transaction apparatus 11 includes a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, an input means such as a keyboard, a display means such as a CRT, a liquid crystal display and an LED display, and a communication interface. It is a kind of computer provided. In addition, FIG. 1 is a figure which shows the external appearance of the said automatic transaction apparatus 11, and is a figure which shows the external appearance with respect to the said customer, ie, a front.

  And the said automatic transaction apparatus 11 has the item display part 12 which displays the item of financial transactions, such as payment | withdrawal, withdrawal, transfer, transfer, bankbook entry, as shown in FIG. The automatic transaction apparatus 11 includes an input means such as a keyboard and a touch panel, a display means such as a CRT, a liquid crystal display and an LED display, a voice input means such as a microphone for inputting a customer's voice, and a speaker for voice guidance. The customer operation unit 16 includes a voice output unit such as the above. In addition, in order to make it easy for a customer to perform an operation, the input unit is preferably a touch panel that also has a function of a display unit.

  The automatic transaction apparatus 11 includes a card receipt processing unit 13 that handles cards such as cash cards. Here, the card is a card for performing a financial transaction such as deposit, withdrawal, transfer, balance inquiry, etc. issued to a customer by a financial institution, and information such as the customer's name, account number, and personal identification number. A magnetic stripe for storing is provided. The member that stores the information may be an IC embedded in a card instead of the magnetic stripe. The card / receipt processing unit 13 includes a card slot into which a card is inserted and ejected. The card slot is stored in a transport device that transports the card, and a magnetic stripe or IC of the card. A recording head such as a magnetic head for reading, overwriting and erasing information is provided. It is desirable that the card / receipt processing unit 13 can handle other types of cards such as cash cards, credit cards, and debit cards issued by other financial institutions.

  Further, the card receipt processing unit 13 has a function of issuing a receipt as a transaction statement slip. The receipt is a piece of paper on which information related to financial transactions performed by the customer such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting, etc. is printed, account number, type of financial transaction The transaction amount is printed. The receipt may be issued only when the customer desires.

  In the present embodiment, a customer who wishes to open a new account can operate the automatic transaction apparatus 11 and perform necessary procedures. In that case, the card / receipt processing unit 13 is a document for confirming the identity required for opening a new account, and processes the Basic Resident Register card as an IC card type identification card that also functions as an identification card. It is supposed to be. The Basic Resident Register Card is an IC card that includes an IC as a member for storing information, and communicates in a contact or non-contact manner by a wireless transmission / reception function provided in the IC. Therefore, in the card slot, a transport device for transporting the basic resident register card and a read head for reading information stored in the IC of the basic resident register card are disposed. The transport device and the read head can also be used as a transport device and a recording head for a card such as a cash card. In addition, when the Basic Resident Register card is the B version as a version with a face photo, the name, address, date of birth, gender, photo, etc. are printed on the surface, so printed characters and An image reading device such as a scanner device for reading a photograph may be provided. Further, a card issuing device for issuing a new cash card is also provided in the card slot. When a new account is opened, the card issuing device issues a new cash card corresponding to the account.

  The automatic transaction apparatus 11 prints necessary information such as a customer name, an account number, and a store name on the passbook when a book entry process such as a bank passbook is made and when a new account is opened. And a passbook processing unit 18 for issuing a passbook corresponding to the new account. Here, the passbook is a booklet passbook such as a deposit passbook issued by a financial institution to a customer, and records of financial transactions such as deposits, withdrawals, transfers, transfers, remittances, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing information such as the customer's name, account number, and personal identification number. Further, the member for storing the information may be an IC embedded in a passbook instead of the magnetic stripe. The passbook processing unit 18 includes a passbook slot into which a passbook is inserted and ejected, a transport device that transports the passbook in the passbook slot, a print head that prints a record of the financial transaction on the passbook, In addition, a recording head such as a magnetic head for reading, overwriting, erasing information stored in the magnetic stripe of the bankbook or the IC is provided.

  In the present embodiment, the bankbook processing unit 18 also processes an application form for opening a new account. The customer who wants to open a new account fills in the application form with his / her name, date of birth, contact information, name of the store where the account is opened, no need for a cash card, passbook type, etc. Need to be stamped. The application form is inserted into a passbook slot of the passbook processing unit 18. Therefore, in the passbook slot, an image reading device such as a conveying device that conveys the application form and a scanner device for reading items and imprints written on the application form are arranged. In addition, the said conveying apparatus can also be shared by the conveying apparatus for a passbook.

  Moreover, the said automatic transaction apparatus 11 has the coin processing part 14 which handles a coin, and the banknote processing part 15 which handles a banknote. The said coin processing part 14 and the banknote processing part 15 have a recessed part provided with the shutter which can be opened and closed. Then, when depositing, the shutter automatically opens, and the customer inserts coins and bills to be deposited into the concave portions of the coin processing unit 14 and the bill processing unit 15, respectively. In addition, the shutter is automatically opened at the time of withdrawal, and the customer takes out the dispensed coins and banknotes from the recesses of the coin processing unit 14 and the banknote processing unit 15, respectively.

  As shown in FIG. 3, the automatic transaction apparatus 11 is communicably connected to a host computer 23 which is a higher-level apparatus of a financial institution's accounting system via an accounting system network 26. Here, as described above, the automatic transaction apparatus 11 is a kind of computer, and from the viewpoint of function, the item display unit 12, the card / receipt processing unit 13, the coin processing unit 14, the banknote processing unit 15, In addition to the customer operation unit 16 and the passbook processing unit 18, the control unit 17, the image processing character recognition unit 19, the paper collection unit 20, the host interface unit 21, and the basic resident register net interface unit 22 are provided. The subject display unit 12, the card / receipt processing unit 13, the coin processing unit 14, the banknote processing unit 15, the customer operation unit 16, the passbook processing unit 18, the control unit 17, the host interface unit 21, and the basic resident register net interface unit. 22 are communicably connected to each other. An image processing character recognition unit 19 and a paper collection unit 20 are connected to the passbook processing unit 18.

  Here, the host computer 23 is a computer provided with calculation means such as CPU and MPU, storage means such as semiconductor memory and magnetic disk, input means such as keyboard and mouse, display means such as CRT and liquid crystal display, communication means and the like. It performs account-related operations in financial institutions such as financial transactions such as deposits, withdrawals, passbook entry, balance inquiry, transfer, transfer, remittance, and time deposit setting. The billing network 26 is preferably a wireless or wired dedicated communication network, but is a public communication network, the Internet, a LAN (Local Area Network), a WAN (Wide Area Network), a VPN (Virtual Private Network). ), Etc., or a combination of these. The automatic transaction apparatus 11 is connected to the billing network 26 by a host interface unit 21. As a result, the automatic transaction apparatus 11 can communicate with the host computer 23 to process financial transactions such as deposit, withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, and periodic deposit setting. .

  In the present embodiment, the automatic transaction apparatus 11 is communicably connected to the basic resident register network 25. The Basic Resident Register Network 25 is a network in which servers 24 respectively connected to municipalities, prefectures, and the local government information center, which is an information processing organization designated by the Minister of Internal Affairs and Communications, are communicably connected via VPN. It is. The server 24 is a computer provided with arithmetic means such as CPU and MPU, storage means such as semiconductor memory and magnetic disk, input means such as keyboard and mouse, display means such as CRT and liquid crystal display, communication means and the like. In FIG. 3, all are represented by one server 24, although there are actually a plurality. The Basic Resident Register Network 25 records and saves personal identification information (name, date of birth, sex, address, resident card code, and information on changes to these) on each server 24, thereby storing the personal information of the citizen. Is a system that allows local governments and government agencies to use them as needed. As a result, the automatic transaction apparatus 11 obtains customer identification information from the server 24 via the basic resident register network 25 based on the resident card code read by the card / receipt processing unit 13 from the basic resident register card. can do.

  The automatic transaction apparatus 11 can also acquire the customer identity confirmation information from the basic resident register card without accessing the server 24. Since the IC of the basic resident register card stores information such as name, date of birth, and sex in addition to the resident card code, the information may be acquired and used as identification information. Furthermore, when the Basic Resident Register card is the B version as a version with a face photo, the name, address, date of birth, sex, photo, etc. are printed on the surface, so the printed name, The address, date of birth, gender, etc. may be read and used as identity verification information.

  The image processing character recognition unit 19 has an image processing function and an OCR (Optical Character Reader) function. The image processing character recognizing unit 19 processes the image of the application form read by the image reading device of the passbook processing unit 18 to obtain an image of the seal on the application form, and is described in the application form. Recognizes characters such as name, date of birth, contact information, the name of the store where the account is opened, the need for a cash card, and the type of passbook. The paper collecting unit 20 collects the application paper read by the image reading device.

  Next, the operation of the automatic transaction apparatus 11 configured as described above will be described. Here, the operation when the customer operates the automatic transaction apparatus 11 to open a new account in the financial institution will be described.

  FIG. 4 is a flowchart showing the operation of the automatic transaction apparatus according to the first embodiment of the present invention.

  First, a customer who wishes to open a new account fills in an application form for opening a new account and stamps his / her own seal. Then, the customer brings the application form and his / her basic resident register card and goes to the front of the automatic transaction apparatus 11 installed in a financial institution or the like. Subsequently, when the customer starts operating the automatic transaction apparatus 11, a main menu is displayed on the display screen of the display unit of the customer operation unit 16. Here, a case where the display device of the customer operation unit 16 is a touch panel having the function of an input device will be described. Then, the customer selects “open new account” on a screen for selecting various processes such as deposit, withdrawal, passbook entry, balance inquiry and the like displayed as a main menu on the touch panel. In this case, the customer touches, that is, touches a button for opening a new account among a plurality of buttons for selecting various processes displayed on the touch panel.

  Subsequently, the customer inserts the application form into the passbook slot of the passbook processing unit 18. Then, an image reading device disposed in the bankbook slot reads the application form image. Subsequently, the image processing character recognition unit 19 processes the image to obtain an image of the seal on the application form, and opens a name, date of birth, contact information, and account described on the application form. Recognize characters such as store name, cash card required, passbook type. The paper collecting unit 20 collects the application paper read by the image reading device.

  Subsequently, the name, date of birth, address, name of the store where the account is opened, the need for a cash card, the type of passbook, etc. Displayed on the touch panel. Then, the customer corrects and confirms the items displayed on the touch panel, if necessary. In this case, the confirmation button displayed on the touch panel is touched. As a result, the automatic transaction apparatus 11 determines items such as the name, date of birth, address, name of the store where the account is opened, necessity of cash card, passbook type, and the like described on the application form.

  Subsequently, the customer inserts the brought basic resident register card into the card slot of the card / receipt processing unit 13, touches the touch panel, and inputs the card password of the basic resident register card. Then, a reading head disposed in the card slot reads information stored in the IC of the basic resident register card. When the automatic transaction apparatus 11 matches the entered card password with the card password stored in the IC of the basic resident register card, the automatic transaction apparatus 11 passes through the basic resident register net interface unit 22 and the basic resident register network 25. A resident's card code read from the basic resident register card is transmitted to the server 24 to request identification information. The card / receipt processing unit 13 discharges the basic resident register card from the card slot and returns it to the customer.

  Subsequently, when the personal identification information is received from the server 24, the automatic transaction apparatus 11 includes the name, date of birth, etc. described in the application form, such as the name and date of birth included in the personal identification information. Check with the item. And if both correspond, the said customer's identity confirmation will be completed.

  The personal identification information can be obtained from the basic resident register card without accessing the server 24. In this case, the automatic transaction apparatus 11 acquires items such as name and date of birth from the IC of the Basic Resident Register card and collates them with items such as name and date of birth described on the application form. Furthermore, when the Basic Resident Register card is the B version as a version with a face photo, the name, address, date of birth, sex, photo, etc. are printed on the surface, so the printed name, It is also possible to read the date of birth and collate it with items such as name and date of birth described on the application form.

  Subsequently, the automatic transaction apparatus 11 registers a new account in the host computer 23 via the host interface unit 21 and the billing network 26. Subsequently, the passbook processing unit 18 issues a new passbook corresponding to the new account and discharges it from the passbook slot. Further, the card / receipt processing unit 13 issues a receipt in which information on the new account is described and a new cash card corresponding to the new account, and discharges the card from the card slot. Thereby, the customer can complete a procedure for opening a new account in a financial institution, and can acquire a new bankbook and cash card corresponding to the new account.

Next, a flowchart will be described.
Step S1 Select to open a new account.
Step S2: The application form is inserted into the passbook slot of the passbook processor 18.
Step S3 Acquire an image of an imprint and recognize the characters of the matters described on the application form.
Step S4: Insert the Basic Resident Register card into the card slot of the card / receipt processing unit 13.
Step S5: Enter the card password for the Basic Resident Register card.
Step S6: The resident's card code is transmitted to the server 24 to request identification information.
Step S7: The personal identification information is received from the server 24 and collated with the items described on the application form.
Step S8: Register a new account in the host computer 23.
Step S9: A new bankbook and cash card are issued, and the process is terminated.

  As described above, in the present embodiment, the automatic transaction apparatus 11 can read the items described in the application form for opening a new account, and is stored in the IC of the Basic Resident Register card. Can be read. Then, identification information is acquired from the server 24 via the basic resident register network 25. That is, the automatic transaction apparatus 11 can confirm the identity and the material for confirming the identity.

  Therefore, the customer can perform a procedure for opening a new account by operating the automatic transaction apparatus 11 without going to a window at a branch of a financial institution. Thereby, the customer does not spend a long time in the procedure for opening a new account, and does not feel annoying. And the financial institution can reduce the operation of the counter and can reduce the operation cost.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 5 is a block diagram showing a system configuration of the automatic transaction apparatus according to the second embodiment of the present invention.

  As shown in the figure, in the automatic transaction apparatus 11 in the present embodiment, compared to the automatic transaction apparatus 11 in the first embodiment, the basic resident register net interface unit 22 is omitted, and the basic resident register network. 25 is not communicably connected. In the present embodiment, the card / receipt processing unit 13 is a document for identifying the person necessary for opening a new account, and an IC card type identification card that also functions as an identification card. Card driver's license is processed. The IC card driver's license is a so-called IC card equipped with an IC as a member for storing information such as name, address, date of birth, sex, etc., and communicated in a contact or non-contact manner by the wireless transmission / reception function of the IC. Is supposed to do. Therefore, in the card slot of the card / receipt processing unit 13, there are a transport device for transporting the IC card driver's license and a read head for reading information stored in the IC of the IC card driver's license. Arranged. The transport device and the read head are substantially the same as the transport device and the read head in the first embodiment. Other configurations are the same as those in the first embodiment, and a description thereof will be omitted.

  Next, operation | movement of the automatic transaction apparatus 11 in this Embodiment is demonstrated. Here, the operation when the customer operates the automatic transaction apparatus 11 and opens a new account in the financial institution using the IC card driver's license will be described.

  FIG. 6 is a flowchart showing the operation of the automatic transaction apparatus according to the second embodiment of the present invention.

  First, a customer who wishes to open a new account fills in an application form for opening a new account and stamps his / her own seal. Then, the customer brings the application form and his / her IC card driver's license and goes to the front of the automatic transaction apparatus 11 installed in a financial institution or the like. Subsequently, when the customer starts operating the automatic transaction apparatus 11, a main menu is displayed on the display screen of the display unit of the customer operation unit 16. Here, a case where the display device of the customer operation unit 16 is a touch panel having the function of an input device will be described. Then, the customer selects “open new account” on a screen for selecting various processes such as deposit, withdrawal, passbook entry, balance inquiry and the like displayed as a main menu on the touch panel. In this case, the customer touches, that is, touches a button for opening a new account among a plurality of buttons for selecting various processes displayed on the touch panel.

  Subsequently, the customer inserts the application form into the passbook slot of the passbook processing unit 18. Then, an image reading device disposed in the bankbook slot reads the application form image. Subsequently, the image processing character recognition unit 19 processes the image to obtain an image of the seal on the application form, and opens a name, date of birth, contact information, and account described on the application form. Recognize characters such as store name, cash card required, passbook type. The paper collecting unit 20 collects the application paper read by the image reading device.

  Subsequently, the name, date of birth, address, name of the store where the account is opened, the need for a cash card, the type of passbook, etc. Displayed on the touch panel. Then, the customer corrects and confirms the items displayed on the touch panel, if necessary. In this case, the confirmation button displayed on the touch panel is touched. As a result, the automatic transaction apparatus 11 determines items such as the name, date of birth, address, name of the store where the account is opened, necessity of cash card, passbook type, and the like described on the application form.

  Subsequently, the customer inserts the IC card driver's license that he / she brought into the card slot of the card / receipt processing unit 13. Then, a reading head arranged in the card slot reads information stored in the IC of the IC card driver's license. Subsequently, the automatic transaction apparatus 11 sets the name, date of birth, etc. as identification information obtained from the IC of the IC card driver's license, Match. And if both correspond, the said customer's identity confirmation will be completed. The card / receipt processing unit 13 discharges the IC card driver's license from the card slot and returns it to the customer.

  Subsequently, the automatic transaction apparatus 11 registers a new account in the host computer 23 via the host interface unit 21 and the billing network 26. Subsequently, the passbook processing unit 18 issues a new passbook corresponding to the new account and discharges it from the passbook slot. Further, the card / receipt processing unit 13 issues a receipt in which information on the new account is described and a new cash card corresponding to the new account, and discharges the card from the card slot. Thereby, the customer can complete a procedure for opening a new account in a financial institution, and can acquire a new bankbook and cash card corresponding to the new account.

Next, a flowchart will be described.
Step S11: Open a new account is selected.
Step S12: The application form is inserted into the passbook slot of the passbook processing unit 18.
Step S13: An image of an imprint is acquired, and characters of matters described on the application form are recognized.
Step S14: The IC card driving license is inserted into the card slot of the card / receipt processing unit 13.
Step S15: The items stored in the IC card driver's license are collated with the items described on the application form.
Step S16: Register a new account in the host computer 23.
Step S17: A new bankbook and cash card are issued, and the process is terminated.

  As described above, in the present embodiment, the automatic transaction apparatus 11 can read the items described in the application form for opening a new account, and is stored in the IC of the IC card driver's license. Information can be read. As a result, the automatic transaction apparatus 11 can confirm the identity and the material for confirming the identity.

  Therefore, the customer can perform a procedure for opening a new account by operating the automatic transaction apparatus 11 without going to a window at a branch of a financial institution. Thereby, the customer does not spend a long time in the procedure for opening a new account, and does not feel annoying. And the financial institution can reduce the operation of the counter and can reduce the operation cost.

  The present invention is not limited to the above-described embodiment, and various modifications can be made based on the spirit of the present invention, and they are not excluded from the scope of the present invention.

It is a figure which shows the external appearance of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the external appearance of the conventional automatic transaction apparatus. It is a block diagram which shows the system configuration | structure of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a block diagram which shows the system configuration | structure of the automatic transaction apparatus in the 2nd Embodiment of this invention. It is a flowchart which shows operation | movement of the automatic transaction apparatus in the 2nd Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 11 Automatic transaction apparatus 13 Card / receipt processing part 18 Passbook processing part 19 Image processing character recognition part 21 Host interface part 22 Resident basic ledger network interface part 23 Host computer 25 Resident basic ledger network

Claims (5)

(A) a host interface connected to the host computer;
(B) a passbook processing unit including an image processing character recognition unit that reads the description items on the application form for opening a new account;
(C) a card receipt processing unit that reads information stored in the IC card type identification card,
(D) An automatic transaction apparatus characterized by registering a new account in the host computer after verifying the identity of the application form by comparing it with identity verification information. The automatic transaction apparatus according to claim 1, wherein the identity verification information is information stored in the IC card type identification card. 3. The automatic transaction apparatus according to claim 2, wherein the IC card type identification card is a basic resident register card or an IC card driver's license. (A) having a Basic Resident Register net interface connected to the Basic Resident Register network;
(B) The IC card type identification card is a Basic Resident Register card;
(C) The card / receipt processing unit reads a resident card code from the basic resident register card,
(D) The automatic transaction apparatus according to claim 1, wherein the personal identification information is acquired via the basic resident register network based on the resident card code. (A) The bankbook processing unit issues a new bankbook corresponding to the new account,
(B) The automatic transaction apparatus according to any one of claims 1 to 4, wherein the card / receipt processing unit issues a new card corresponding to the new account.

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