JP2006252493A - Method of skimming preventive mechanism in automatic cash register - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enhance the credit of a financier or the like while preventing the damage of a payment rightful person in view of a high possibility of illegally withdrawing the amount of bankbook deposit by skimming by persons who read an identification number from behind the payment rightful person, using a surreptitious photographing camera, by leakage electromagnetic waves from a cash register, or the like in a conventional cash registering booth of the financier or the like. <P>SOLUTION: A structure is configured to accurately send the identification number to an automatic cash registering mechanism section and to delete signals of excess figures even if the payment rightful person inserts the limited or optional number of figures between or before or after the four-digit identification number in addition to the identification number, and electromagnetic waves of the optional figures are emitted in the same way as the emission of electromagnetic waves of the correct identification number to prevent electronic skimming. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

      The present invention is a mechanism for improving a part of an automatic teller machine that prevents the theft of deposits and savings due to skimming of a personal identification number of a withdrawal right holder from an automatic teller machine at a financial institution or the like. The present invention relates to electromagnetic improvements and improvements such as money display screens.

      In conventional financial institutions, automatic teller machines have been installed so that when the withdrawal right holder enters the booth for personal use, they are fully operated by a third party behind the scenes. There are a lot of situations where the numbers are read, cleverly installing a voyeur camera in the booth, the PIN number is stolen, and then the card is duplicated, then the passbook etc. are stolen In such a case, the damage has become so serious that it was impossible to prevent the damage that would otherwise have been withdrawn.

      With only 4 digits of the PIN number of the withdrawal right holder, the PIN number was easy to steal from the thief side.

      For that defense, for example, in the case of a booth with a private room type or opening / closing doors, there is a possibility that it may be caused by fear that it may be avoided by users or used for destruction work. The current situation is not progressing.

      Recently, registration of blood vessels such as palms of withdrawal rights holders has been adopted, but it can be said that it is not useful for dealing with withdrawals by an emergency agent.

      The number of digits in the PIN code of the automatic teller machine is not necessary to modify the form of the automatic teller machine at financial institutions mentioned above, and to eliminate snooping and reception of electronic signal electromagnetic waves. If it increases, the trouble of reading the security code of bandits will increase 10 times with an increase of 1 digit, and 100 times with the increase of 2 digits, but it is not easy to change the past memory of the cashier. There is a difficult situation in this area.

      Therefore, in order to prevent skimming, the financial institution can increase the number of digits of the PIN by freely pressing and inserting the arbitrary number buttons of the withdrawal right holder without increasing the number of digits of the PIN for the withdrawal right holder. The idea that there is no other way than to set a situation that does not affect the PIN number.

Means for Solving the Invention

      FIG. 1 shows an embodiment of claim 1 of the automatic cash accounting apparatus provided in a booth of a financial institution, etc., and FIG. 2 shows an embodiment of claim 2 of the automatic cash accounting apparatus, respectively. The organization chart of is shown.

      In both FIG. 1 and FIG. 2, the amount display screen 10 in the booth has 10 numeric push buttons, 1, 2, 3, 4, 5, 6 of the 10 numeric push buttons as examples. , 7, 8, 9, and 0 are set as usual, but are not shown in the drawing, but immediately after the withdrawal right holder inputs an indication of the willingness of the withdrawal amount, As in the past, the sounding electrical unit 11 is separated and independent from the automatic teller machine so that the same or different sound is produced regardless of which button is pressed. It is installed.

      In FIG. 1 of the embodiment in claim 1, a suppression button 20, which is a push button as described without a mark in a blank position on the money amount display screen 10, is installed.

      In FIG. 2 of the embodiment of claim 2, there is a case where the unmarked button similar to the previous item 0011 is used as it is as the withdrawal cancel button 28, but in the blank portion on the opposite side such as the number button for the digit number 0, It is possible to set a similar button and install it as the withdrawal cancellation button 28.

      However, in claim 2, as shown in FIG. 2, the suppression button as an example is located near the body of the right holder of withdrawal, and skimming from a third party behind it is impossible. Since the effect of preventing skimming is higher when the separate suppression button 30 installed on the same surface as the display screen 10 of the money amount is installed, such a case has been shown as an example.

      1 and FIG. 2, in the conventional mechanism, the numerical value of the number button pressed on the money amount display screen 10 and the order in which it is pressed toward the automatic money accounting mechanism unit 14 which is the main body of the automatic money accounting apparatus, Information as a password of the withdrawal right holder is sent as an electric signal.

      In both the first and second aspects of the present invention, no matter which of the number buttons 0 to 9 for the number of digits 0 to 9 on the money amount display screen 10 is pressed, all of the electric signals corresponding to the pressed number are displayed. In this order, the two automatic wires 18 of the electric circuit enter the automatic cash accounting / mechanism control unit 19, one of which is directly connected to the automatic cash accounting / mechanism mechanism 14.

      One of the two conductors 18 is connected to a wire mesh outside the automatic money depositing / dispensing mechanism control unit 19 by a conductor 31, and the conductor 31 is divided into two in the middle to provide a capacitor 16 having an appropriate capacity. They are connected so as to sandwich both poles.

      The other one of the two conductive wires 18 is indirectly connected to the automatic money depositing / dispensing mechanism part 14 via the signal control mechanism part 13, but is divided into two in the signal control mechanism part 13. It is separated into a terminal fulcrum 21 and a terminal contact 24 at each end point, and these two terminals are connected by an iron piece terminal 25 of another part, and one end is fixed to a spring fulcrum 22 in the vicinity thereof. The other end of the spring 23 is pressed so that both terminals are sufficiently in contact with each other so that conduction between both terminals is complete.

      An external wire mesh of the automatic cash accounting / mechanism control unit 19 is coupled to the one having the terminal fulcrum 21 of the two conductive wires 18 and is also connected to the ground 15 so that the potential is always kept at 0.

The invention's effect

      In this embodiment of claim 1, the iron terminal 25 has a digit and number different from the digit and the number of the PIN number while the withdrawal right holder holds down the suppression button 20 in claim 1 of FIG. 1. Since an operation of pseudo-pressing an arbitrary number of numbers on the screen is performed, it becomes a positive operation battle that deceives the eyes of a snooping person. Therefore, the coil 26 is already an electromagnet, and an iron piece from the terminal contact 24 Since the terminal 25 is separated, the pseudo digits and numbers do not reach the automatic cash accounting mechanism unit 14, and processing is performed so that a signal that disturbs the personal identification number is eliminated. The upper number of the number is safely stored as it is in the automatic cash accounting mechanism unit 14.

      In claim 2, even in the embodiment of FIG. 2, the iron terminal 25 is separated from the terminal contact 24 even when a numeric button that is not a password is pressed while the separate control button 30 is pressed. As a result, the situation in which an extra numeric signal enters the automatic money depositing / dispensing mechanism section 14 is blocked, and the memory of the personal identification number up to that point is maintained.

      In the case of claim 1, when the withdrawal right holder presses the last number of the personal identification number by the button operation, the automatic cash accounting mechanism unit 14 automatically determines that the personal identification number has been correctly input. Therefore, according to the embodiment for the automatic teller machine, the desired withdrawal amount is discharged from the cashier, but the number button was pushed even if an extra number signal came in. Even if the number of times is after the PIN has been entered correctly, as with conventional devices, the desired withdrawal amount will be discharged from the cashier immediately after the number button corresponding to the last digit of the specified number of digits is pressed. In some cases.

      Even in the case of the embodiment of claim 2, the electromagnetic processing of passing and blocking the digits and numbers of the personal identification number in the signal control mechanism section 13 and the automatic money accounting mechanism section 13 in that order is performed according to claim 1. The operation is the same as in the case of the embodiment, except that the disturbance of the passage of signals other than the password by pressing the extra number button by the separate control button 30 instead of the control button 20 is a separate control of the withdrawal right holder. Since it is blocked only by the correct operation of the button 30, no matter what number button is freely pressed, as long as only the personal identification number is stored in the automatic money depositing / dispensing mechanism section 14, the withdrawal cancellation button 28 is set. By pushing, even if the state of the withdrawal system in which the signal of the personal identification number is input and stored in the storage unit in the automatic money depositing / dispensing mechanism unit 14 is pushed, Functional failure that did not work Situation is released, it will be dispensing function works, so that the amount of money out of hope from the teller opening is discharged.

      The lead wire 18 and the wire net of the automatic money depositing / dispensing mechanism part control mechanism 19 are connected so that the capacitor 16 is sandwiched between two other lead wires 31, and the lead wire 18 on the side having the terminal fulcrum 21 is connected. , The automatic cash accounting mechanism control mechanism 19 is connected to the grounded wire mesh 15, the electromagnetic wave of the signal of all the numbers on the display screen 10 of the money amount, etc., the number button for the number of digits 0-9 is pressed This is a device for the purpose of preventing skimming by an eavesdropping device for electromagnetic waves by discharging it to the outside of the wire net of the automatic money depositing / dispensing mechanism control unit 19.

      As an embodiment, the control button 20 in claim 1 is pushed to cause current to flow through the conductor 17, or the separate control button 30 in claim 2 is caused to cause current to flow through the conductor 29 to magnetize the coil 26. In consideration of the case where electromagnetic waves emitted in the event of a failure cannot be protected, a wire that does not extend to the iron piece terminal 25 when the control button 20 or the separate control button 30 is pressed instead of the lead wire 17 or 29. Considering the case of the embodiment in which the iron piece terminal 25 is separated from the terminal contact by, for example, the effect of the present invention can be enhanced.

      As described above, a snooping such as a personal identification number at the time of money withdrawal of a right holder withdrawn in a cashier set up by a financial operator etc. that has set up the skimming prevention countermeasure mechanism of the present invention, ingestion of electronic magnetic sensitivity, etc. In the case of 1 or claim 2, it is almost impossible to do so. The present invention is only applied to the case where the exterior of the automatic cash accounting / mechanism control unit 19 is destroyed, except for wiretapping of signal electromagnetic waves directly from the inside. It can be very effective in preventing damage to skimming damage.

      In the case of Claim 1, the number of specific digits can be reduced or increased, so it is pleased by the rightful withdrawal right holder, and in the case of Claim 2, the illegal illegal take-off of large assets It has the effect of being pleased by those with the right to withdraw money.

      For thieves aiming for skimming, even if the booth can do something to decipher the electronic signal, even if the specific number of digits is six in the case of claim 1, the last password is skimmed However, for skimmers, if the PIN number is 4 digits, the search must be performed 100,000 times or more, and in claim 2, the search must be performed more than that. Can be prevented.

      In the embodiment of the present invention, an automatic cash accounting apparatus installed by a financial institution or the like, the display screen for the amount of money for one booth of the embodiment of the invention according to the embodiment of the invention, the automatic cash accounting mechanism control mechanism, The situation figure of the automatic teller machine which showed the relational composition of.       In the embodiment of the present invention, an automatic cash accounting apparatus installed by a financial institution or the like, a display screen for the amount of one booth of the embodiment of the invention, a separate control button, and money in the embodiment of claim 2 The situation figure of the automatic cash accounting apparatus which showed the relationship composition with the automatic accounting mechanism part control mechanism.

Explanation of symbols

Number button for 0 1 Number button for 1 2 Number button for 2 3 Number button for 3 4 Number button for 4 5 Number button for 5 6 Number button for 6 7 Number button for 8 8 Numeric buttons 9 9 Numeric buttons 10 Amount display screen 11 Sound generator 12 Conductor 13 Signal control mechanism 14 Automatic cash accounting mechanism 15 Grounding 16 Capacitor 17 Conductor 18 Conductor 19 Automatic cash accounting mechanism control mechanism 20 Control Button 21 Terminal fulcrum 22 Spring fulcrum 23 Spring 24 Terminal contact 25 Iron piece terminal 26 Coil 27 Conductor 28 Withdrawal release button 29 Conductor 30 Separate control button 31 Conductor

Claims (2)

  When withdrawing money with the automatic teller machine installed by a financial institution, etc., the financial institution will limit the number of specific digits by adding the number of digits of the PIN to the number of digits that can be freely selected by the right of withdrawal. When the withdrawal right holder performs a withdrawal operation when it is determined that the withdrawal can be made by pressing the number button or by pressing the 1st digit number of the PIN within the specified number of digits. In addition, the electromagnetic mechanical connection status around this automatic teller machine is set as follows, that is, first, when pressing 10 number buttons on the display screen of the amount of money desired to be withdrawn, The mechanism of the sounding electrical unit that generates a confirmation sound every time the number of digits of the personal identification number specified by the installation financial institution of this device, for example, up to a specific number of times greater than “4 digits”, is automatically cashed in and out. It is independent from the mechanism control mechanism and the pressed numeric buttons Second, all the numeric signals reach the control mechanism of the automatic cash accounting mechanism, and secondly, no sound is generated even if the control buttons such as unmarked on the display screen of the monetary amount are pressed. And, it is not included in the specific number of times even if it is pressed. Thirdly, among the 10 number buttons, the electricity that represents the numerical value of the number button that is pressed by the number of times the button has been determined by the financial institution, etc. All of the signals are connected so as to be sequentially transmitted into the automatic money depositing / dispensing mechanism control mechanism by two conductors, and fourthly, one side of this conductor and the whole automatic cash accounting mechanism control mechanism are covered. An appropriate capacitor is inserted and connected to the outside of the metal net that is installed and grounded in the same manner, and the other end of this conductor is connected to the automatic cash accounting mechanism. And fifth, the other side of this conductor It is connected to the automatic money depositing / dispensing mechanism part through the mechanism part. Sixth, on the other side entering the signal control mechanism part, as an example, the control on the display screen of the amount, etc. determined by the installer side Depending on whether the button is pressed or vice versa, only the number and order of the PIN stored in the withdrawal right holder are transmitted to the automatic cash accounting mechanism unit. In the case where the voltage is cut off on the spot when the numerical value that is not the PIN code is pressed, that is, when the number button corresponding to the number of times the PIN number is subtracted from the specific number is pressed, In order to prevent only numeric electrical signals from being transmitted to the automatic money deposit and withdrawal mechanism, by pressing the control button first immediately before pressing these numeric buttons, current flows through the control button conductor. Coil in the same part is magnetized However, the iron piece conductor is separated from the terminal contact, or the control button and the iron piece conductor are connected with a wire, and if both control buttons are pressed, the signal transmission is cut off. Seventh, if the last digit of the PIN number is pressed by the withdrawal right holder when the last number button of a certain number is pressed or less than the specified number, automatic cash accounting The mechanism of the electrical part of the device is supposed to withdraw the amount of money desired by the right holder, and the number of times the number button has been pressed on the control button, assuming that the proper PIN has been completely obtained. A method of a mechanism for preventing skimming or the like in an automatic teller machine, including a case where it can be electrically displayed up to a specific number of times.   When making withdrawals using an automatic teller machine installed by a financial institution, etc., the financial institution, etc., limits the number of digits entered by adding the number of digits freely chosen by the withdrawal right holder to the number of digits of the PIN If it is stipulated that the number button is pushed to the free of the withdrawal right holder, the electromagnetic mechanical connection around this automatic teller machine when the withdrawal right holder performs the withdrawal operation Set the situation as follows, that is, first, when you press the 10 numeric buttons on the display screen for the amount of money you want to withdraw, the PIN number specified by the installation financial institution etc. The mechanism of the sounding electrical part that generates a confirmation sound each time it is pressed to a number of digits greater than "4 digits", for example, is independent from the automatic cashier mechanism control mechanism, and All the numeric signals of the number buttons pressed reach the control mechanism for the automatic cash accounting mechanism. Secondly, the control button such as no mark on the amount display screen is a button for confirming that the withdrawal right holder has already entered the personal identification number correctly. If the automatic cash accounting mechanism confirms that, the desired withdrawal amount will be discharged, and if the PIN cannot be confirmed, no withdrawal will be made. Thirdly, it will be displayed on the screen, and thirdly, before and after the numbers of the digits, without changing the order and the number of the PIN number memorized by the withdrawing right holder. By inserting and pressing freely selected numbers, these number signals are connected by two conductors so that they are sequentially transmitted into the automatic cash accounting mechanism control mechanism. One of the two wires leads to the entire automatic cash accounting mechanism control mechanism. Connected to the outside of the metal mesh that is installed in the same way and grounded by another conductor, and an appropriate capacitor is inserted and connected between the conductors. Yes, the other end of one of the above two conductors is directly connected to the automatic money depositing / dispensing mechanism part in the automatic money accounting / dispensing mechanism control mechanism, and fifthly, the other side of the two conductors is , Connected to the automatic money depositing / dispensing mechanism part through the signal control mechanism part, and sixthly, on the other side entering the signal control mechanism part, it is pushed or vice versa as determined by the installer. Depending on whether there is no status, as an example, press the separate control button whether it is provided on the display screen of the amount of money, etc. If not, the number button signal will be transmitted to the automatic cashier mechanism. That is, only when the number and order of the personal identification number stored in the withdrawal right holder are to be transmitted to the automatic cash accounting mechanism, it is not necessary to press it. If the separate control button is pressed just before the selected number button is pressed, in the embodiment, such a numerical value that is not a code number and a signal that is not in digit order will cause the voltage to be interrupted on the spot. In other words, if you press this separate control button just before you press a number button that is not a freely chosen PIN, only the numeric electrical signal of the number button that is not the PIN is sent to the automatic cashier mechanism. In order not to be transmitted, the current flows in the lead wire of this separately installed control button, the coil in the same part is magnetized, and the iron piece conductor is separated from the terminal contact, so that the signal is cut off, In another embodiment, separate control There is a case where the iron piece conductor is separated from the terminal contact by pressing a separate control button, and the number button of the last digit of the PIN number is set by the withdrawal right holder. If the withdrawal cancel button is pressed immediately after it is pressed, or after the other freely selected numeric buttons are pressed, the electrical mechanism of the automatic teller machine will be able to use the correct password. In response to the fact that the number is obtained, only the amount desired by the withdrawal right holder is withdrawn, and if it is felt that the PIN has not been obtained, an instruction to resume the operation will appear on the screen. A method for preventing a skimming or the like in an automatic cash accounting apparatus.

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