JP2005182221A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent communication abnormality by theft or detachment of a non-contact type IC card during a transaction, and to prevent card from being left when returning the card. <P>SOLUTION: This automatic transaction device has: a means holding the IC card by sucking the IC card during the transaction; a card release lever for allowing easy removal of the card when returning the card; and a lamp for prompting return of the card. Thereby, the theft of the non-contact type IC card during the transaction is prevented, communication stability of the IC card is improved, and the present invention prevents a user from forgetting to take out the IC card. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an automatic transaction apparatus including an IC card processing unit (also referred to as an IC card unit) that reads and writes information from and to an IC card.

  There exists patent document 1 as an automatic transaction apparatus which handles an IC card. This Patent Document 1 manages expiration of an IC card. As described in the document, the IC card is inserted into the apparatus, and the inserted IC card is conveyed into the apparatus to read / write the information. Discloses an automatic transaction apparatus that employs a configuration in which the IC card is discharged after various transactions are executed.

JP 2003-141605 A

  As described above, since the IC card is taken into the apparatus and the information is read and written, it takes time to transport the card into the apparatus or from the inside of the apparatus to the outside. There was a problem. In addition, the structure of the IC card unit handling the IC card itself has a problem that a conveyance path is essential and the conveyance control is complicated and expensive.

  An object of the present invention is to solve the above-described problems, provide a simple IC card unit, and provide an automatic transaction apparatus including an IC card unit that is easy for a user to handle. Further, the present invention provides an automatic transaction apparatus that takes into account theft during operation and forgetting to use a medium after transaction even when the IC card is held in the apparatus.

  In order to solve at least a part of the above-described purpose, a transmission / reception unit having a set part for setting an IC card and executing processing such as reading information in the card around the set part, and a predetermined card An automatic cash transaction apparatus comprising holding means for holding the set portion during the transaction operation and opening means for releasing from the holding means after the transaction ends.

  According to the present invention, it is possible to reduce troubles such as a medium jam that has occurred in conventional card conveyance. In addition, since there is no transport unit that causes media jamming, a simple card unit can be provided. In addition, an inexpensive unit can be provided for a conventional card unit. Moreover, there is no worry of dropping the card from the apparatus even during the transaction of the automatic teller machine, and theft by a third party can be prevented. In addition, it is possible to prevent mischief of the user's card during the transaction. On the other hand, there is also an effect that the card can be easily taken out after the transaction ends.

FIG. 1 shows an automatic cash transaction apparatus 1 capable of handling cash capable of depositing or withdrawing banknotes. In this apparatus, various transactions desired by a user are executed using an IC card held by the user. Here, the IC card has an integrated circuit incorporated therein, and includes an IC card with only a memory function, an IC card with a security function, and a microcomputer type with a CPU. Although this embodiment can be applied to a contact IC card, a non-contact IC card will be described as an example. This non-contact IC card has a coiled antenna coil and built-in components such as a capacitor that keeps the power and voltage constant. For example, the antenna coil is used as an antenna that outputs radio waves, and at the same time a generator Serves as a function. There are three types of non-contact type IC cards depending on the distance at which data can be read and written. Note that the parentheses indicate the distance that can be read and written.
(1) Contact type (~ 2mm) Data speed 9.6kbit / s ~ Use frequency 4.91MHz
(2) Proximity type (~ 10cm) Data speed 106kbit / s ~ Use frequency 13.56Mhz
(3) Neighborhood type (~ 70cm) Data speed ~ 26kbit / s Frequency used 13.56Mhz
The automatic teller machine according to the present invention includes an IC card processing unit (IC card unit) that reads and writes the non-contact type IC card of (1) and (2).

  The automatic teller machine 1 has the above-described IC card unit, that is, an IC card reading / writing unit 2. Also, a bill deposit / withdrawal mechanism 3 for depositing / withdrawing bills, a customer operation unit 4 for detecting a guidance for trading, a press of a displayed key, a statement slip printing mechanism for issuing a statement slip after the transaction 5. A journal printing mechanism 6 for storing a transaction history, and a control unit 7 for overall control of processing of each mechanism (each means). In addition, a magnetic card mechanism 8 that performs reading and the like so that a user who does not have an IC card can also make transactions using a conventional magnetic card is also configured. In addition, there are a PIN (Personal Identification Number) code input unit 17 for inputting a personal identification number when making a transaction with an IC card, a buzzer unit 19 for outputting sound such as a buzzer, and the like.

  As shown in FIG. 1, FIG. 1A in the upper part shows an external view of the apparatus viewed from the front and a drawing viewed from the side, and FIG. 1B of the lower part shows the inside of the automatic teller machine 1 A block diagram is shown. As shown in FIG. 1 (a), a user adopts an aspect in which an IC card is set on an IC card unit. In addition, since the type of the apparatus shown in FIG. 1A is designed so that the operation unit 2 is in front of the user, a password is entered so that a third party behind the user does not know the input operation. The PIN code input unit 17 is provided in the vicinity of the IC card unit 2 separately from the operation unit 2. On the other hand, there is a mode in which the operation unit 2 is provided in the PIN input unit 17 and the password input is executed by the operation unit 2. By providing 2 on the same operation surface, the user can confirm the presence of the IC card while operating with the operation unit 2, so that it is possible to prevent forgetting to remove.

  FIG. 2 is a detailed view of the IC card unit of FIG. 1, and shows a view of the card reading unit viewed from the front without an IC card set, and a cross-sectional view when the IC card is set.

  When the user sets the IC card on the operation surface of the apparatus (preferably on the same surface as the deposit / withdrawal port of the banknote deposit / withdrawal port 3 as shown in FIG. 1), the user places the medium on the card setting unit 15. The card setting portion 15 is formed slightly wider (in surface area) than the IC card, and has a structure having a recess so that the card can be held at a fixed position. A lamp 11 that is turned on and off (including blinking) is installed around the card setting unit 15 so that the user can know the return of the card. On the other hand, a recessed portion (a surface on which a card is placed; also referred to as a recessed surface) of the card setting unit 15 is formed of an iron plate or plastic, and has a large number of holes on the formed surface. This hole is an air suction port 12 for holding the card by air suction force. There is also a card detection sensor 18 that detects that an IC card has been placed. Further, as described above, since the concave surface of the card setting unit 15 is formed slightly wider than the IC card, it is difficult to take out the medium when returning the card to the user. The card is lifted by a card return lever (also referred to as an opening portion) 10 that is driven up and down so that the user can easily pick up the medium. In other words, the card return lever 10 is in a position recessed from the card tray when the card is inhaled, and when the card is returned, the lever is protruded when the card suction is stopped. Make the card easier to take.

  An antenna 13 for reading information stored in the IC chip of the IC card or writing information is provided in the apparatus from the back surface of the IC card, that is, from the recessed surface. Of course, it is also referred to as a transmission / reception unit because data transmission / reception is performed using the above-described frequency. Then, an air pump 9 that sucks air from the air suction port 12 and a card release lever drive unit that drives the return lever up and down are configured. The drive unit is controlled by the control unit 14 provided in the card unit, and data communication is performed with the control unit 7 of the automatic transaction apparatus 1 via the communication control unit 16. When the air pump 9 is driven, the back surface of the card is adsorbed to the recessed surface from the air suction port 12, and when the air pump 9 is stopped, the adsorbing force disappears and the card can be taken out. Further, in order to prevent the suction force from being reduced by sucking air by sucking the card, the air pump 9 has a function of blowing air from the air pump 9 and blowing the sucked dust to the air suction port 12 after the card is returned. .

  Each configuration described above is the most suitable configuration for the present invention, but various configurations may be omitted (the same applies hereinafter). For example, as another embodiment, without mounting the return lever 10, the card opening detection sensor 18 is a mechanical lever instead of an optical sensor and has a light spring structure. The card is lifted by the reaction of the spring, and the user can lift the card on one side and receive the card as described above. Further, in FIG. 2, the air suction port 12 is uniformly formed over the entire depression surface, but the density of the holes is larger on one side and smaller on the other side than the longitudinal dimension of the card. It is conceivable that only one side of the card is lifted with respect to the length of the card by ejecting constant air from the pump 9 so that the end user can easily take the card (the return lever 10 is not necessary at this time).

  The control unit 7 of the automatic transaction apparatus 1, the control unit 14 of the card unit 2, and the communication control unit 16 are collectively referred to as a control unit. Since the card is adsorbed and held by the air pump 9 and the air suction port 12, the adsorption unit. Also, it is called a holding part, and it is also called an opening part because the card is opened by the return lever 10 and the lever driving part 10 (including other examples described above).

  Next, processing of the automatic teller machine according to the present invention will be described with reference to the flowchart shown in FIG. This example shows the flow of a cash withdrawal transaction (payment transaction, withdrawal transaction), but it goes without saying that it can also be applied to a cash deposit transaction (payment transaction), a balance inquiry, a transfer transaction, and the like. Further, what controls the processing is a control unit (including 7 and 14), and description thereof is omitted.

  When a user places a card in the non-contact type IC card read / write unit 2 provided in the automatic teller machine 1, that is, in the depressed portion of the card set unit 15 in FIG. 2, the card is loaded by the card detection sensor 18. Is detected (step 1). Next, the air pump 9 is activated (step 2), and the card on the card setting unit 15 is sucked by sucking air from the air suction port 12. In this state, the card is held, and there is no fear of theft by a third party and there is no fear of dropping the card.

  Next, when the user selects account withdrawal from among various transactions displayed on the customer operation unit 4, the operation unit 4 detects it and displays a guidance to enter a password. When the user inputs a personal identification number from the PIN code input unit 17 (step 3), the input data thus input and the PIN (read data) stored in the IC card read by the transmission / reception unit 13 are not shown. Authentication processing is executed by being sent to the host (step 4). In the case of authentication NG, the process returns to the first process and the air pump stops. However, in the case of authentication OK, a withdrawal process (step 6) is executed.

  In this withdrawal process, the user displays the numeric keypad and guidance necessary for withdrawal on the customer operation unit 4, and feeds out the bills for the entered desired amount from the banknote storage of the banknote deposit and withdrawal mechanism 3 and discharges it from the deposit and withdrawal port. To do. Along with this withdrawal processing, the amount of money withdrawn is reduced from the user's account and updated at the host (step 7).

  Subsequently, when the user withdraws the cash discharged to the deposit / withdrawal port, it is detected (step 8), the drive of the air pump 9 is stopped and the card release lever drive unit 10 is driven to project the return lever 10 (Step 9). As a result, the user can take out the IC card on which the card setting unit 15 is placed.

  Then, the lamp 11 around the card setting unit 15 blinks (step 10), and the voice output unit 19 outputs a voice message indicating that the card is to be taken, and prompts the user to receive the IC card. On the other hand, the card detection unit 18 monitors the presence / absence of a card, and when the receipt of the card is confirmed (step 11), the withdrawal transaction is terminated. The dispensed content is printed on a statement slip by the statement slip printing mechanism 5 and discharged, and the transaction printing history is also recorded by the journal printing mechanism 6. When all of these transactions are completed, the air pump 9 is driven again and air is ejected from the air suction port 12 (step 12) to prevent clogging of the suction holes.

  As described above, by attracting the card between the start and end of the transaction, it is possible not only to prevent the theft by a third party, but also to prevent mischief such as card removal during the transaction by the user himself. Since reading and writing processing of information in the IC card is also executed at a predetermined timing during the transaction, it is effective for the countermeasure against the mischief.

The whole figure of an automatic teller machine is shown. The block diagram of a non-contact type IC card reading and writing unit is shown. The transaction flow in a non-contact-type IC card corresponding | compatible cash automatic transaction apparatus is shown.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Automatic cash transaction apparatus, 2 ... Non-contact type IC card reading / writing part (IC card processing part, IC card unit), 3 ... Banknote depositing / withdrawing mechanism, 4 ... Customer operation part, 5 ... Statement slip printing mechanism, 6 ... Journal Printing mechanism, 7 ... control unit, 8 ... magnetic card mechanism, 9 ... air pump, 10 ... card return lever (opening part), 11 ... lamp, 12 ... air suction port, 13 ... communication antenna (transmission / reception part), 14 ... Non-contact type IC card read / write controller, 15 ... Card set unit, 16 ... Communication control unit, 17 ... For PIN code input, 18 ... Card set detection sensor (card detection unit), 19 ... Buzzer (voice output unit)

Claims (10)

  An automatic transaction apparatus for dealing with cash, a reading means for forming a card set part for setting an IC card on the operation surface of the apparatus, and reading or writing information of the IC card set in the card setting part; An automatic transaction apparatus comprising: holding means for holding the IC card set in the card setting unit during a selected transaction; and opening means for releasing the IC card from the holding means after the transaction.   2. The automatic transaction apparatus according to claim 1, further comprising display means for displaying various kinds of guidance, wherein the display means is installed on and in the vicinity of the card setting unit.   2. The automatic transaction apparatus according to claim 1, further comprising a deposit / withdrawal port for depositing / withdrawing banknotes, wherein the deposit / withdrawal port is formed on the same surface as the surface of the card set unit.   2. The automatic transaction apparatus according to claim 1, wherein the holding means is sucked by air suction from a back surface of the IC card set in the card setting unit.   5. The automatic transaction apparatus according to claim 1, wherein the opening means opens the IC card set in the card setting unit by protruding the back surface of the IC card from the set surface.   5. The automatic transaction apparatus according to claim 4, further comprising a detecting means for detecting an IC card, wherein the suction is executed when the IC card is detected.   Having a detecting means for detecting an IC card, and having means for injecting air from a hole provided in the card setting portion when the IC card is not detected by the detecting means after the IC card is projected by the opening means. 6. The automatic transaction apparatus according to claim 5, wherein:   2. The automatic transaction apparatus according to claim 1, wherein the card setting unit is wider than an IC card and has a recessed portion. The card set portion has a plurality of holes, and includes an air pump that sucks air;
5. The automatic transaction apparatus according to claim 4, wherein the holding unit sucks the IC card from the air pump through the hole by air suction. 6. The automatic transaction apparatus according to claim 5, wherein the opening means includes a return lever that moves up and down from a recessed surface formed in the card setting unit, and a drive unit that drives the return lever up and down.

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