JP2007279877A - Transaction processor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent skimming in advance by providing an ATM 5 for enabling a user to easily recognize that a skimming device is mounted on a card insertion port 15a. <P>SOLUTION: This ATM 5 is provided with: a card/receipt mechanism part 15 for reading information from a card 4 inserted into the card insertion port 15a; a flicker 10 arranged in the card insertion port 15a for emitting the rays of light; an input/display part 11 for displaying an image; and a control part 14 for executing transaction by controlling them. The control part 14 is configured to control the flicker 10 to emit the rays of light by a light emission pattern selected at random, and the input/display part 11 to display a flicker image 117 showing the light emission pattern. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a transaction processing apparatus that is installed in, for example, a financial institution and performs transactions such as cash deposits and withdrawals by customer operations. In particular, information on a customer storage medium is not skimmed during a transaction. The present invention relates to a transaction processing apparatus that has taken such measures.

  In recent years, with the rapid development of an information-oriented society, management awareness of personal information and confidential information is increasing in companies and local governments. In the financial industry, fraudulent transactions such as forgery of stamps, forgery of cards, and skimming crimes of cards have become major social problems. Similarly, fraudulent transactions due to card skimming are a major problem overseas.

  Here, when skimming a card, a skimming device that reads card information is attached to the card insertion port of the device, and when the card is inserted into the card insertion port without the user's knowledge, the card information is illegally exploited by the skimming device. Is executed. A skimming device used for such skimming is provided inside a pseudo insertion slot resembling the shape of a card insertion slot, and this pseudo insertion slot is used by being attached to the card insertion slot.

  As a method of preventing such skimming, for example, a method of preventing the attachment of the skimming device by using a structure in which the card insertion slot emits light can be considered. In order to make the card insertion slot emit light in this way, a part of the card insertion guide body that guides the card insertion is formed of a light transmissive material, and the light transmissive material is caused to emit light by the light of the internal light source. A card gate mechanism that improves the visibility of the insertion guide has been proposed (see Patent Document 1).

However, even if such a card gate mechanism is adopted, if a pseudo insertion slot that emits light in the same manner is created and attached to the card insertion slot, the user will be unaware of the pseudo insertion slot and the card will be skimmed There is a point.
JP 2004-185513 A

  In view of the above-described problems, an object of the present invention is to provide a transaction processing apparatus that allows a user to easily recognize that a skimming device is mounted in a card insertion slot, and to prevent skimming.

  The present invention includes a storage medium processing unit that reads information from a storage medium inserted in an insertion slot, a light emitting unit that is disposed in the insertion slot and emits light, a display unit that displays an image, and controls these for transactions. A transaction processing apparatus configured to cause the light emitting means to emit light in a predetermined light emitting mode and to display the light emitting mode information indicating the light emitting mode on the display unit. Features.

  As a preferred aspect, the present invention is characterized by comprising a storage means for storing a plurality of light emission modes as the light emission mode, and a light emission mode selection unit for selecting the light emission mode for each transaction.

  According to the present invention, it is possible to provide a transaction processing apparatus that allows a user to easily determine that a skimming apparatus is mounted and prevent unauthorized acquisition of card information due to skimming.

An embodiment of the present invention will be described below with reference to the drawings.
FIG. 1 is a system configuration diagram of a transaction system 1 in which an ATM (Automated Teller Machine) 5 as a transaction processing apparatus and a host computer 2 as another apparatus are connected via a communication line 3. 2 is a block diagram showing an internal configuration of a host computer 2 and an ATM 5. FIG. This transaction system 1 is employed in a financial institution system such as a bank system.

  The host computer 2 includes a line connection unit 31, a file unit 32, an account information file control unit 36, and a host computer control unit 35 that controls them.

  The line connection unit 31 is connected to the communication line 3 (see FIG. 1), and transmits and receives data to and from the ATM 5 via the line connection unit 13 of the ATM 5.

  The file unit 32 stores an account information file 33 and various files 34 for storing user account information and the like. The account information file 33 also stores the user's personal identification number.

  The account information file control unit 36 controls the account information file 33 and various files 34 stored in the file unit 32.

  The host computer control unit 35 controls each of the above units. Further, the process of comparing the user's personal identification number stored in the account information file 33 with the personal identification number included in the data received from the ATM 5 and transmitting the result to the ATM 5 is also executed. In this way, it is determined whether the password entered by ATM 5 is acceptable.

The ATM 5 is an automatic transaction apparatus that is installed in a financial institution or the like and performs transactions such as cash deposits and withdrawals by customer operations.
The ATM 5 is connected to the line connection unit 31 of the host computer 2 by the line connection unit 13. The ATM 5 is a device that automatically executes various transactions requested by the user. The I / O control unit 9, the flicker 10 as the light emitting means, the input / display unit 11, the passbook mechanism unit 12, the line connection unit 13, A card / detail slip mechanism unit 15, a bill deposit / withdrawal mechanism unit 16, a coin deposit / withdrawal mechanism unit 17, a voice guidance guidance unit 18, a vein authentication mechanism unit 19, and a control unit 14 as a control means for controlling these units. Has been.

  The control unit 14 includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and controls various processes and transactions and also functions as a storage unit. The data stored in the control unit 14 includes light emission pattern information as light emission mode information. The light emission pattern information includes a light emission color that is the color of the flicker 10 and a light emission period that is a light emission period of the flicker 10.

The I / O control unit 9 controls various I / O devices such as the flicker 10 according to the control of the control unit 14. Regarding the control of the flicker 10, the I / O control unit 9 receives a light emission pattern signal indicating a light emission pattern as a light emission mode from the control unit 14, and emits light of a color and a period specified in the light emission pattern signal to the flicker 10. Control to be executed.
The flicker 10 has light sources of a plurality of colors such as a blue LED and a green LED, and turns on / off each color light source according to the control of the I / O control unit 9.

The input / display unit 11 has a screen display function for displaying a screen according to the image signal received from the control unit 14 and an input detection function for transmitting the input signal detected from the control unit 14. When an ATM5 user conducts a transaction, a guidance screen for a transaction operation is displayed, and an input such as a PIN number pressed by a user operation or a finger is accepted. The input / display unit 11 also displays information indicating the light emission pattern of the flicker 10.
The input / display unit 11 preferably has a configuration in which a transparent touch panel is provided on a display device such as a liquid crystal display. If comprised in this way, various information can be displayed on a display screen, and the press to the various items contained in this display screen can be detected.

  The passbook mechanism unit 12 executes a user's passbook insertion / ejection operation, magnetic stripe read / write operation, printing operation by the printing unit to the passbook, and the like under the control of the control unit 14.

  The line connection unit 13 communicates with the line connection unit 31 of the host computer 2 through the communication line 3. This communication includes information on the mismatch of the light emission patterns to be transmitted when the user recognizes that the skimming device is installed. For this reason, the line connection unit 13 functions as a notification unit that notifies other devices of an abnormality caused by the installation of the skimming device.

  The card / detail slip mechanism section 15 includes a card mechanism section serving as a storage medium processing unit and a detail slip mechanism section. The card mechanism unit operates to insert or eject the card 4 (see FIG. 1) as a storage medium possessed by the user, read or write operation to the magnetic stripe or IC chip of the card 4 according to the control of the control unit 14, The image reading operation of the embossed part is executed. Under the control of the control unit 14, the statement slip mechanism unit prints the transaction contents on the statement slip by the printing unit and discharges the statement slip.

  The card 4 used here is a card-type storage medium such as a cash card or a credit card having a storage unit such as magnetism or IC, and storing personal information and card information in the storage unit.

  The banknote deposit / withdrawal mechanism unit 16 and the coin deposit / withdrawal mechanism unit 17 execute a cash deposit / withdrawal operation, a cash discrimination operation, a transport operation, and a storage operation under the control of the control unit 14.

  The voice guidance unit 18 is composed of a speaker or the like, and performs voice guidance according to the control of the control unit 14. As this voice guidance, the voice guidance guidance unit 18 also provides confirmation request guidance that prompts the user to check whether or not the light emission pattern of the flicker 10 and the information indicating the light emission pattern displayed on the input / display unit 11 match. Do.

  When the card 4 is an IC card, the vein authentication mechanism unit 19 reads a vein of the user according to the control of the control unit 14 and reads the vein data and vein data registered in the IC card. Execute authentication operation to authenticate.

  FIG. 3 is a screen configuration example of the card insertion slot 15a showing the mechanism of skimming countermeasures and the input / display unit 11 as display means.

  The flicker 10 provided in the card insertion slot 15a of the ATM 5 is composed of a light source such as an LED and a light guide body such as a transparent or translucent acrylic member that transmits light emitted from the light source and shines. This moving body surrounds the entire circumference of the card insertion slot 15a. That is, the flicker 10 has the card insertion hole 10a so as to communicate with the card insertion hole of the card insertion slot 15a. Thereby, it is set as the structure light-emitted in the perimeter of the card insertion port 15a.

  The input / display unit 11 displays a flicker image 117 for displaying the flicker 10 of the insertion slot so that the light emission state can be understood as a card insertion guide screen 110, guidance 111 to 112, and buttons 113 to 115.

  The flicker image 117 is displayed in the upper right position, which is the position closest to the flicker 10 on the screen of the input / display unit 11, with substantially the same size as the actual flicker 10. The flicker image 117 includes a photographed image obtained by photographing the actual flicker 10, a CG image created by computer graphics, or a schematic image schematically shown. In addition, the flicker image 117 is displayed by alternately switching between a lighting state still image when the flicker 10 is lit and a lighting state still image when the flicker 10 is turned off, or a flicker image blinking. 117 moving images can be displayed.

  The guidance 111 displays the text “Please insert the card in the direction of the arrow” and notifies the user of the content for requesting the card insertion.

  Guidance 112 says, “Check if the card insertion slot is shining in the same color and cycle as the flicker of the card insertion slot on the left image. Please press the mismatch button if they do not match. ”Is displayed, asks the user to check if the flicker 10 and the flicker image 117 match, and enters the result of the check. Request to do.

  The mismatch button 113 is a button that is pressed by the user when the light emission mode of the flicker 10 and the light emission mode of the flicker image 117 do not match, and functions as a mismatch confirmation input unit. When pressed, the control unit 14 notifies the host computer 2 that there is a change in the flicker 10 (a skimming device may be attached).

  The match confirmation button 114 is a button that is pressed by the user when the light emission mode of the flicker 10 and the light emission mode of the flicker image 117 match, and functions as a match confirmation input unit. When pressed, the control unit 14 switches a restriction shutter (not shown) as an insertion restriction means for restricting whether or not the card 4 can be inserted into the card insertion slot 15a from the insertion prohibited state to the insertion permitted state.

  The cancel button 115 is a button that the user presses when canceling a transaction. When pressed, the control unit 14 cancels the transaction and returns to the standby state.

  FIG. 4 shows a flowchart of the operation of the control unit 14 when a transaction is permitted in the ATM 5 with a countermeasure against skimming, and FIGS. 5 to 7 show screen image diagrams of screens displayed on the input / display unit 11.

  The control unit 14 drives a restriction shutter provided in the card insertion slot 15a of the card / detail slip mechanism unit 15 to prohibit insertion of the card 4 (step S1), and a transaction start screen shown in FIG. 100 is displayed (step S2).

  This transaction start screen 100 is, for example, “transfer”, “passbook entry”, “cashing”, “various transactions”, “withdrawal”, “deposit” as a start button 101 of various transaction items for the customer to start a transaction. Various transaction items that can be transacted at ATM 5 such as “transfer” and “balance inquiry” are displayed.

  When the pressing of the start button 101 such as “various transactions” by the user is accepted (step S3), the control unit 14 starts the selected transaction when the input / display unit 11 detects this pressing. At this time, the control unit 14 functions as a light emission mode selection unit, and randomly selects and determines one light emission pattern from a plurality of types of light emission patterns prepared (step S4).

  The control unit 14 transmits an RGB signal to the input / display unit 11 and displays a card insertion guide screen 110 that prompts card insertion (step S5). At this time, as shown in FIG. 5B, the control unit 14 displays the flicker image 117 displayed on the card insertion guide screen 110 as a lighting state still image that emits light with the light emission color of the light emission pattern determined in step S4. The off-state still image that has been turned off is displayed alternately with the light-emission pattern emission cycle.

  At the same time as the start of step S5, the control unit 14 causes the flicker 10 to emit light. For the light emission of the flicker 10, the I / O control unit 9 receives the light emission color and light emission cycle of the light emission pattern determined in step S4 from the control unit 14, and the I / O control unit 9 according to the light emission color and light emission cycle. This is executed by switching the flicker 10 between on and off.

  By the simultaneous progress of step S5 and step S6, the emission color and emission cycle of the flicker 10 and the emission color and emission cycle of the flicker image 117 can be synchronized.

  FIG. 5B shows a case where the light emission pattern is green, for example, and FIG. 5C shows a case where the light emission pattern is another color such as blue. As described above, since the flicker image 117 is switched in accordance with the light emission pattern of the flicker 10, the user looks at the guidance 112 displayed on the card insertion guide screen 110 and determines whether the flicker 10 and the flicker image 117 are the same. By simply confirming, it is possible to easily confirm whether there is an abnormality (especially whether a skimming device is installed).

  When the coincidence confirmation button 114 is pressed by the user (step S7: YES), the control unit 14 drives the restriction shutter to permit insertion of the card 4 (step S8), and the card insertion slot of the card 4 by the user. The insertion into 15a is accepted (step S9).

  The control unit 14 displays a data reading screen 120 shown in FIG. 6D on the input / display unit 11 (step S10), and displays information stored in the magnetic stripe of the inserted card 4 in the card / detail slip. Read by the mechanism unit 15 (step S11).

  The control unit 14 displays the password input screen 130 shown in FIG. 6E on the input / display unit 11 (step S12). When the user operates the numeric keypad 131 and the confirmation button 132 displayed on the personal identification number input screen 130 and inputs the personal identification number (step S13), the control unit 14 displays the input information, the card / The information read from the card 4 by the statement slip mechanism unit 15 is compared (step S14).

  As a result of the comparison, if the personal identification numbers do not match (step S14: NO), the control unit 14 displays the personal identification number NG screen 140 shown in FIG. 6F on the input / display unit 11 (step S15). Similar to the password input screen 130, the password NG screen 140 is provided with a numeric keypad 141 and a confirmation button 142.

  The control unit 14 compares the number of times the password has been entered with a preset number of times (number of times the password is allowed to be entered) (step S16). If the predetermined number of times has been exceeded (step S16: YES), the control unit 14 displays the card return screen 150 shown in FIG. 7G on the input / display unit 11, returns the card 4 and ends the process. (Step S17).

  When the number of inputs is less than the predetermined number in step S16 (step S16: NO), the control unit 14 returns the process to step S12 and displays the password input screen 130 on the input / display unit 11 again.

  If the passwords match in step S14 (step S14: YES), the control unit 14 displays a center transmission / reception screen 160 shown in FIG. 7H on the input / display unit 11 (step S19), and transaction processing is performed. The center transmission / reception process is performed (step S19), and the process ends.

  If the match confirmation button 114 is not pressed in step S7 (step S7: NO) and the mismatch button 113 is pressed (step S20: YES), the control unit 14 confirms that the mismatch has been pressed to the host computer 2. Notification is made (step S21). The control unit 14 stops the transaction (step S22) and ends the process.

  If the mismatch button 113 is not pressed in step S20 (step S20: NO), the control unit 14 is a sensor (not shown) as an insertion detection means provided between the entrance of the card insertion slot 15a and the restriction shutter. Thus, the process returns to step S7 until the insertion of the card 4 is detected (step S23: NO).

  If the insertion of the card 4 is detected by the sensor, the control unit 14 causes the voice guidance / guidance unit 18 to display “the emission color of the card insertion slot (flicker 10) and the card insertion slot image on the screen (flicker image 117) and Check if the light emission cycles match, and press the match confirmation button if they match. Press the mismatch button if they do not match. ”The user is notified by voice (step S24). The process returns to step S7. The control unit 14 and the voice guidance unit 18 that execute step S24 function as voice guidance means.

  With the above configuration and operation, when a skimming device resembling the flicker 10 is attached to the card insertion slot 15a, the light emission pattern of the skimming device and the light emission pattern of the flicker image 117 of the input / display unit 11 do not match. The user can easily recognize that there is.

  In other words, no matter how elaborately the skimming device is made to resemble the flicker 10, it is unclear when and in which color the light will be emitted. I can't let you. Therefore, the user can prevent the card 4 from being skimmed without knowing it.

  Further, since the coincidence confirmation button 114 is provided, it is possible to prevent the user from inserting the card 4 into the card insertion slot 15a without confirming the coincidence of the light emission patterns of the flicker 10 and the flicker image 117.

  In particular, since the insertion of the card 4 into the card insertion slot 15a is prohibited until the match confirmation button 114 is pressed, the card 4 is inserted without confirming the matching of the light emission patterns of the flicker 10 and the flicker image 117. Can be surely prevented.

  In addition, since the host computer 2 is notified when the mismatch button 113 is pressed, this notification can be handled immediately, and it is possible to prevent the ATM 5 from being left with the skimming device installed. In particular, if the identification information (for example, store information or device number) for identifying the ATM 5 is transmitted when notifying the host computer 2, the ATM 5 in which the flicker 10 and the flicker image 117 do not coincide can be immediately identified and quickly It can correspond to.

  Further, since the insertion of the card 4 into the card insertion slot 15a is prohibited until the match confirmation button 114 is pressed, the user inserts the card 4 into the card insertion slot without comparing the light emission patterns of the flicker 10 and the flicker image 117. Insertion into 15a can be prevented.

  Further, when the card 4 is inserted into the card insertion slot 15a without pressing the match confirmation button 114 or the mismatch button 113, voice confirmation prompts the user to confirm the match between the flicker 10 and the flicker image 117. The user can easily recognize that it is necessary. Accordingly, it is possible to prevent the user from being misunderstood that the ATM 4 is out of order without being able to insert the card 4 into the card insertion slot 15a without the user noticing that confirmation is necessary.

  In addition, although the light emission pattern prepared the some pattern from which both the light emission color and the light emission period differed, it comprised with the several pattern from which only light emission color differs, or comprised with the several pattern from which only a light emission period differs. It is also possible. Even in this case, the match between the flicker 10 and the flicker image 117 can be confirmed.

  In addition, instead of selecting the light emission pattern at random, a light emission pattern associated with a predetermined timing such as transaction content, transaction type, customer information, and transaction time may be selected. Even in this case, the light emission pattern can be changed for each transaction.

  Further, the light emission pattern may be changed within the transaction instead of being selected and changed for each transaction. In this case, the light emission pattern can be complicated.

  Further, the steps S1, 8, 23, and 24 may be omitted, and the control for permitting or prohibiting card insertion may not be performed. In this case, the configuration can be simplified.

  Further, the steps S1, 8, 23, and 24 are omitted, and the steps S20 to 22 are omitted. In step S7, the user is informed to confirm the coincidence between the flicker 10 and the flicker image 117. Good. In this case, the disagreement button 113 and the coincidence confirmation button 114 are not provided on the card insertion guide screen 110, and the wording of the guidance 112 may be changed to attention information.

For this caution information, for example, “Check if the card insertion slot shines in the same color and cycle as the flicker of the card insertion slot on the right image. Please contact the staff. ”
Thereby, a structure can be simplified more.

  In addition, the flicker image 117 is displayed as the flicker image 117. However, for example, the light emission color of the flicker 10 and the light emission pattern such as blinking light emission or continuous light emission light are displayed by characters, symbols, or the like. Good. Also in this case, the light emission pattern of the flicker 10 can be switched, and the user can confirm whether or not this light emission pattern is correct.

  The flicker 10 may be connected to the card / detail slip mechanism unit 15 instead of being connected to the I / O control unit 9. In this case, the flicker 10 may be turned on / off under the control of the card / detail slip mechanism unit 15.

  The present invention is not limited only to the configuration of the above-described embodiment, and many embodiments can be obtained.

The system block diagram of the transaction system by ATM and a host computer. The block diagram which shows the internal structure of ATM. Explanatory drawing of a flicker and an input and display part. The flowchart which shows operation | movement of the control part of ATM. The screen image figure of the screen displayed on an input and display part. The screen image figure of the screen displayed on an input and display part. The screen image figure of the screen displayed on an input and display part.

Explanation of symbols

2 ... Host computer 3 ... Communication line 4 ... Card 5 ... ATM
DESCRIPTION OF SYMBOLS 10 ... Flicker 11 ... Input and display part 13 ... Line connection part 14 ... Control part 15 ... Card / detail slip mechanism part 15a ... Card insertion slot 18 ... Voice guidance guidance part 113 ... Mismatch button 114 ... Match confirmation button

Claims (6)

Storage medium processing means for reading information from a storage medium inserted into the insertion slot;
A light emitting means arranged at the insertion opening for emitting light;
Display means for displaying an image;
A control means for controlling these and executing transactions,
The control means is
Causing the light emitting means to emit light in a predetermined light emitting mode;
A transaction processing apparatus configured to display light emission mode information indicating the light emission mode on the display means. Storage means for storing a plurality of light emission modes as the light emission mode;
The transaction processing apparatus according to claim 1, further comprising: a light emission mode selection unit that selects the light emission mode for each transaction. The control unit is configured to display not only the light emission mode information but also caution information that prompts the customer not to trade unless the light emission mode of the light emission unit matches the light emission mode displayed on the display unit. The transaction processing apparatus according to 1 or 2. A coincidence confirmation input means for allowing an input to confirm that the light emission aspect of the light emission means and the light emission aspect displayed on the display means are confirmed;
4. The transaction processing apparatus according to claim 1, further comprising an insertion restriction unit that permits insertion of the storage medium into the insertion port when a match is input by the match confirmation input unit. An insertion detecting means for detecting insertion of a storage medium into the insertion slot;
If insertion is detected by the insertion detection unit before a match is input by the match confirmation input unit, the light emission mode of the light emitting unit and the light emission mode of the display unit are confirmed and a match confirmation is input to the match confirmation input unit The transaction processing apparatus according to claim 4, further comprising voice guidance means for voice guidance. A mismatch confirmation input means for allowing input of confirming a mismatch between the light emission mode of the light emission unit and the light emission mode displayed on the display unit;
6. The transaction processing apparatus according to claim 1, further comprising a notifying means for notifying another apparatus connected via a communication line when a mismatch is input by the mismatch confirmation input means.

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