JP2008158739A - Automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic teller machine suppressing leakage of secret code number data or customer data stored in a cash card, and easily showing non-leakage. <P>SOLUTION: This automatic teller machine has: an input part receiving money reception/payment operation of a user; a display part 3 displaying a result of the money reception/payment operation or guidance of the money reception/payment operation; an insertion port of the transaction card; a reading part 2 reading the transaction card inserted in the insertion port; and money reception/payment part 5 receiving/paying cash. The automatic teller machine executes a transaction by inputting a secret code number by use of the input part. In the automatic teller machine, the insertion port of the transaction card is formed inside a recessed part 16 formed in a front panel of the automatic teller machine the insertion port has an insertion guide 9 made of a semitransparent material guiding the insertion of the transaction card into the insertion port, and at a portion that the user can observ by use of reflection of a semitransparent face of the insertion guide in the lower face of the recessed part formed above the insertion guide, a display plate 15 is prepared. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an automatic cash transaction apparatus, and more particularly to an automatic cash transaction apparatus that performs transactions using a transaction card.

  When a customer makes a transaction using an automatic teller machine (ATM) installed in a financial institution, the identity of the customer is confirmed by a cash card (transaction card) and a personal identification number. The customer data is recorded on the cash card, and it is possible to make a transaction with a PIN number. For this reason, it is extremely important to ensure the security of customer data and personal identification number data recorded on a cash card.

  The following methods are known as methods for ensuring security in an automatic transaction apparatus.

  Patent Document 1 discloses that damage caused by unauthorized modification is reliably prevented by detecting in advance a change in state caused by a transaction terminal device as evidence of unauthorized modification by an unauthorized act.

  In Patent Document 2, a new process is performed so that the key layout of the touch panel when the operator M is operating and the key layout of the touch panel when the operator W is operating are changed. It is shown that crime prevention is improved by changing the key arrangement of the touch panel 10.

  Patent Document 3 discloses that an image of a monitoring camera that attaches a camera to an upper part of an automatic transaction apparatus and photographs the back of a customer is displayed on a transaction screen to call attention to a suspicious person.

In Patent Document 4, a loop antenna is provided so as to surround a magnetic card insertion slot on the front surface of a magnetic card reader, and a pseudo magnetic card reader attached to the front surface of the magnetic card reader by a magnetic field generated from the loop antenna. It has been shown to prevent the magnetic information of a magnetic card from being stolen.
JP-A-2005-339400 JP 2002-32176 A JP 2005-327144 A JP 2005-266999 A

  By the way, in transactions using an automatic teller machine, for example, a camouflaged skimming device is attached around the cash card insertion guide of the automatic teller machine, and the customer data or PIN number data of the cash card is attached by the skimming device etc. Has been plagiarized.

  For skimming, for example, a disguised skimming device is pasted under the card insertion guide, or a camera equipped with a wireless device is pasted over the card insertion guide, and the customer data or password of the cash card This is done by acquiring the number and wirelessly transmitting these data to a place away from the automatic teller machine.

  For this reason, there is a strong demand for security improvement measures such as a structure that can prevent attachment of a skimming device or the like in the vicinity of the cash card insertion guide portion of the automatic teller machine.

  By using the techniques disclosed in Patent Documents 1 to 4, it is possible to prevent damage due to unauthorized modification, make it difficult to skimming a PIN, call attention to a suspicious person, or a false magnetic card reader. The magnetic information of the magnetic card can be prevented from being stolen.

  However, in the technique disclosed in Patent Document 1, if unauthorized modification is performed, the apparatus cannot be used. Also, with the technique disclosed in Patent Document 2, the key arrangement can be changed when a card PIN is input. However, if the key arrangement is photographed by a camouflaged camera or the like, the personal identification number is also stolen. In the technique disclosed in Patent Document 3, a customer is an object to be photographed and is not an automatic cash transaction apparatus. For this reason, the illegal operation operation with respect to the automatic teller machine by a customer cannot be monitored.

  The present invention has been made in view of these problems, and is capable of suppressing the leakage of customer data or personal identification number data stored in a cash card and easily confirming that there is no risk of leakage. A transaction apparatus is provided.

  In order to solve the above problems, the present invention employs the following means.

  Input unit for accepting user deposit / withdrawal operation, display unit for displaying guidance of deposit / withdrawal operation or result of deposit / withdrawal operation, transaction card insertion slot, reading unit for reading transaction card inserted in the insertion slot, and cash In the automatic teller machine that executes a transaction by inputting a personal identification number using the input part, an insertion slot for the transaction card is formed on the front panel of the automatic teller machine The insertion slot is provided with a translucent material insertion guide for guiding the insertion of the transaction card into the insertion slot, and a user is provided on the lower surface of the depression formed at the top of the insertion guide. Is provided with a display plate in a portion that can be observed using the reflection of the translucent surface of the insertion guide.

  Since the present invention has the above configuration, it is possible to suppress leakage of customer data or personal identification number data stored in a cash card and easily confirm that there is no risk of leakage.

  Hereinafter, the best embodiment will be described with reference to the accompanying drawings. FIG. 1 is a diagram illustrating an automatic teller machine according to the present embodiment. In FIG. 1, 1 is an automatic teller machine, and 2 is a card reader unit built in the automatic teller machine 1, and reads a transaction card such as a magnetic card or an IC card inserted into the reader unit 2. Reference numeral 3 denotes a customer input unit configured with a touch panel or the like, which displays operation guidance, receives an input operation of a customer (user), and detects it. 4 is a statement slip output unit that prints and issues a record of a transaction or the like. Reference numeral 5 denotes a banknote deposit / withdrawal port for depositing / withdrawing banknotes, and 6 is an operation unit section such as a key for inputting a personal identification number. Reference numeral 7 denotes a monitoring camera unit for photographing a customer or the like, and is mounted at a position hidden above the customer input unit 3. Reference numeral 8 denotes a key input unit, which is an input unit having the same function as the touch panel of the customer input unit 3, and is arranged on the left and right sides of the customer input unit 3. Reference numeral 9 denotes a card insertion guide, which guides the customer's operation when the customer inserts the transaction card into the reader unit 2.

  In addition, the card insertion guide 9 installed in the automatic teller machine is disposed at a position deeper than the surface of the customer input unit 3 that displays the operation status to the customer. Further, the operation unit unit such as the banknote deposit / withdrawal port 5 and the key are disposed at a deep position in the main body of the automatic teller machine. This prevents the surrounding people from observing key operations and hand operations when taking out banknotes.

  FIG. 2 is a side view of the automatic teller machine 1, and FIG. 3 is a diagram illustrating details of the card insertion guide 9 attached to the card insertion slot of the card reader unit 2.

  As shown in FIG. 3, a card insertion slot of the card reader unit 2 and a card insertion guide 9 attached to the insertion slot are disposed in a recess 16 formed in the front panel 12 of the automatic teller machine 1. The customer can easily insert the transaction card 10 in the insertion direction 11 along the insertion guide 9 to insert it into the insertion slot.

  FIG. 4 is a diagram for explaining the details of the insertion guide 9 shown in FIG. The insertion guide 9 includes a lower surface guide 9a formed along the lower surface of the transaction card insertion port 18 of the card reader unit 2, an upper surface guide 9b formed along the upper surface of the transaction card insertion port 18, and the lower surface guide 9a and the upper surface guide 9b. A flicker portion 9c formed along the outer periphery is provided.

  The flicker unit 9c includes a light source such as a light emitting diode, guides blinking light from the light source, and diffuses it as light of a predetermined color (for example, red). The light source can be alerted by blinking, for example, when the transaction card 10 is inserted into the transaction card insertion slot or discharged from the insertion slot.

  The card insertion guide 9 is formed of a translucent plate obtained by applying a mirror process to the transparent plate. That is, the light beam passes through the lower surface guide 9a formed of a translucent plate from the lower side as well as from the upper side. Thereby, an observer who observes from above the lower surface guide 9a can observe both an object above the lower surface guide 9a and an object below the lower surface guide 9a.

  5 and 6 are plan views of the card insertion guide 9 as viewed from the customer's line of sight 13 shown in FIG. 3, and FIG. 5 shows a case where the position of the customer's line of sight is deep (the angle α of the line of sight 13 with respect to the surface of the lower surface guide 9a is FIG. In this case, as shown in FIG. 5, it is possible to recognize the character “operable” displayed on the display board 14 arranged on the upper surface of the recess 16 formed in the lower part of the card insertion guide 9.

  FIG. 6 is a diagram showing how the card is viewed when the angle α with the transaction card 10 is shallow (the angle α is small). In this case, it is possible to recognize the character “insertable” displayed on the display board 15 disposed on the lower surface of the recess 16 formed in the upper part of the card insertion guide 9.

  The display plates 14 and 15 are preferably formed of a liquid crystal display device, for example, and the characters displayed on the display device are preferably updated for each transaction, for example. Moreover, it is preferable that the character displayed on the display boards 14 and 15 can be arbitrarily set by a customer operating a customer input part.

  Thus, the customer can observe the upper side and the lower side of the transaction card insertion slot by utilizing the reflection or transmission of the lower surface guide 9a formed of a translucent plate. For this reason, even if a skimming device or the like is attached to the upper side and the lower side of the transaction card insertion slot, it can be quickly detected. In addition, it is preferable that the characters displayed on the display board 15 are reversed and displayed.

  FIG. 7 is a diagram showing a display screen displayed on the customer input unit 3 configured with a touch panel or the like. In FIG. 7, 9 c ′, 14 ′, and 15 ′ are views showing how the flicker portion 9 c and the display plates 14 and 15 are seen. Here, the flicker portion 9c normally blinks in the predetermined color (red), and is the same color as the color (red) of the portion 9c 'designated in advance as the appearance in FIG.

  When the customer stands in front of the automatic teller machine, the automatic teller machine starts normal operation and displays the guidance shown in FIG. 7 on the display screen. That is, “view the insertion slot from the top before inserting the card, move your eyes up and down (moving the line of sight), you can see the following characters, the lamp is the same color (the flicker part 9c color and the specified If the part 9c 'is shining in the same color), it can be operated. If it is different, please call an attendant. There may be a suspicious object (skimmer). "

  The customer observes the display on the display boards 14 and 15 by moving the line of sight according to the guidance sentence. Next, a button displayed on the display screen is operated according to the observation result. That is, when the displayed characters “operable” and “insertable” can be visually recognized and the display color of the flicker 9c is the same as the color of the designated portion 9c ′, the “same” button 16 is displayed. If they are different, the “different” button 17 is operated.

  The automatic teller machine 1 detects these operations, and when the “same” button 16 is operated, the transaction operation is continued, and when the “different” button 17 is operated, the processing is stopped, for example, an attendant is assigned. call.

  FIG. 8 is a diagram for explaining processing of the automatic teller machine. First, the automatic teller machine displays a transaction menu on the customer input input unit 3 and waits for a customer operation (step S1). When the customer arrives in front of the automatic teller machine and selects, for example, cash withdrawal from the transaction menu, the display screen shown in FIG. 7 is displayed and the card insertion permission is waited (step S2). In accordance with the instruction on the display screen, the customer moves the line of sight to a position where the display board 14 arranged at the lower part of the card insertion slot can be seen and inputs arbitrary characters while observing the display board 14. The input characters are displayed on the display screen (steps S3, S4, S12). Next, in accordance with the instruction on the display screen, the customer moves the line of sight to a position where the display board 15 arranged above the card insertion slot can be seen and inputs arbitrary characters while observing the display board 15. The input characters are displayed on the display screen (steps S5, S6, S13). Next, the customer selects the color (lamp color) of the light source supplied to the flicker unit. The selected lamp color is displayed as the color of the flicker portion 9c 'on the display screen (steps S7 and S14).

  The customer sees the characters set on the display board 14 in step S12, sees the characters set on the display board 15 in step S13, the color displayed on the flicker portion 9c ′ of the display screen, and the actual flicker. It is confirmed whether or not the colors displayed in the section 9c are the same. If the colors cannot be confirmed, the process returns to step S2 (step S8). If it can be confirmed in step S8, card insertion is permitted, prompting the user to enter a personal identification number, and if the personal identification number is entered, trading is started (steps S9, S10, S11).

  As described above, according to the present embodiment, when the customer moves the position of the line of sight to a deep position (a position where the angle α of the line of sight 13 with respect to the lower surface guide 9a is large), the card is formed below the card insertion guide 9. The character “operable” displayed on the display board 14 disposed on the upper surface of the recess 16 can be recognized. Further, when the customer moves the line of sight to a deep position (a position where the angle α is small), the character “can be inserted” displayed on the display board 15 disposed on the lower surface of the concave portion 16 formed at the top of the card insertion guide 9. Can be recognized. That is, when characters or the like displayed on the display board 14 or the display board 15 cannot be recognized, it can be recognized that a foreign object such as a skimming device is disposed in the vicinity of the insertion slot of the card reader unit.

  If the color displayed on the flicker portion 9c ′ of the display screen is not the same as the color displayed on the actual flicker portion 9c, the flicker portion, that is, the insertion guide itself is replaced with an insertion guide with a skimming device, for example. Can recognize the possibility.

  For this reason, it is possible to quickly and easily recognize the presence of a skimming device or the like disposed in the vicinity of the insertion slot of the card reader unit.

It is a figure explaining the automatic teller machine concerning the embodiment of the present invention. It is a side view of an automatic teller machine. It is a figure explaining the detail of a card insertion guide. It is a figure explaining the detail of the insertion guide 9 shown in FIG. It is a top view of the card insertion guide seen from a customer's eyes. It is a top view of the card insertion guide seen from a customer's eyes. It is a figure which shows the display screen displayed on a customer input part. It is a figure explaining processing of an automatic teller machine.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Cash automatic transaction apparatus 2 Card reader part 3 Customer input part 4 Statement slip exit part 5 Banknote deposit / withdrawal port 6 Operation unit part 7 Surveillance camera part 8 Key input part 9 Card insertion guide 10 Trading card 11 Insertion direction 12 Front panel 13 Customer Line of eyes 14,15 Display board letter 16,17 Button 18 Trading card insertion slot

Claims (5)

Input unit for accepting user deposit / withdrawal operation, display unit for displaying guidance of deposit / withdrawal operation or result of deposit / withdrawal operation, transaction card insertion slot, reading unit for reading transaction card inserted in the insertion slot, and cash In an automatic teller machine that executes a transaction by inputting a personal identification number using the input unit,
The insertion slot of the transaction card is formed in a recess formed in the front panel of the automatic teller machine, the insertion slot is provided with an insertion guide made of a translucent material that guides the insertion of the transaction card into the insertion slot,
An automatic cash transaction apparatus comprising a display plate on a portion of a lower surface of the concave portion formed on an upper portion of the insertion guide that can be observed by a user using reflection of a translucent surface of the insertion guide . In the automatic teller machine according to claim 1,
An automatic cash transaction apparatus characterized in that the display board displays that a transaction operation can be continued. Input unit for accepting user deposit / withdrawal operation, display unit for displaying guidance of deposit / withdrawal operation or result of deposit / withdrawal operation, transaction card insertion slot, reading unit for reading transaction card inserted in the insertion slot, and cash In an automatic teller machine that executes a transaction by inputting a personal identification number using the input unit,
The insertion slot of the transaction card is formed in a recess formed in the front panel of the automatic teller machine, the insertion slot is provided with an insertion guide made of a translucent material that guides the insertion of the transaction card into the insertion slot,
An automatic cash transaction apparatus comprising a display plate on a portion of an upper surface of the concave portion formed at a lower portion of the insertion guide that can be observed by a user using the translucent material of the insertion guide . In the automatic teller machine according to claim 3,
An automatic cash transaction apparatus characterized in that the display board displays that a transaction operation can be continued. In the automatic teller machine according to claim 1 or 3,
An automatic teller machine characterized in that a flicker portion is provided at a peripheral portion of the insertion guide.

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