JP2009217647A - Automated teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automated teller machine which facilitates operation of a customer by clearly notifying a proper insertion direction in accordance with the design of a card or a bankbook when the card or the bankbook is inserted in a wrong direction. <P>SOLUTION: The automated teller machine including a detecting means for detecting an insertion direction of the card or the bankbook and a guidance means for guiding a proper insertion direction is provided with: an image acquiring means for reading a whole image of the card or the bankbook, and uses the whole image acquired by the image acquiring means so as to give a guidance for the proper insertion direction when the card or the bankbook is inserted in a wrong direction. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus that performs transactions using a card or a passbook in a financial institution or the like.

Conventionally, in an automatic transaction apparatus that performs transactions using a card or passbook, if the customer inserts the card or passbook in the wrong direction, the insertion state is judged to be inappropriate and the card or passbook is discharged. In addition, there has been a technique for guiding a proper insertion direction by displaying a voice, a continuously prepared moving image or a group of still images (see, for example, Patent Document 1).
JP 2003-141604 A

  However, in the above conventional technique, when the customer inserts the card or passbook in the wrong direction, in the case of voice guidance, whichever direction is inserted first after extracting the ejected card or passbook. In the case of continuous image display guidance prepared in advance, there are various designs of cards and passbooks, and the appropriate insertion direction must be clarified. Because it is difficult to express, there are cases where it is not clear how to deal with.

  The present invention employs the following means in order to solve the aforementioned problems. Automatic transaction comprising transport means for transporting a card or passbook, detection means for detecting the insertion direction of the card or passbook, and guidance means for guiding the appropriate insertion direction of the card or passbook by voice or display An image acquisition means for reading an entire image of the card or passbook is provided, and the entire image of the card or passbook acquired by the image acquisition means when the card or passbook is inserted in the wrong direction. Used to guide the appropriate insertion direction.

  According to the automatic transaction apparatus of the present invention, when a card or a passbook is inserted in the wrong direction, an appropriate insertion direction is guided using the entire image of the card or passbook acquired by the image acquisition means. After removing the ejected card or passbook, the customer can smoothly understand whether the card or passbook was designed in the wrong direction. Can be dealt with.

  Embodiments of the present invention will be described below with reference to the drawings. In addition, the same code | symbol is attached | subjected to the element which is common in drawing.

(Constitution)
FIG. 3 is an example of the card 4 used in the automatic transaction apparatus 1 of the first embodiment. As shown in FIG. 4A, on the surface of the card 4, an IC terminal 4a, a store number or account number of a financial institution, a user name, a credit card number, a card expiration date, etc. are predetermined. Further, as shown in FIG. 2B, a magnetic stripe 4b and the like are disposed at predetermined positions on the back surface of the card 4.

  The card 4 must be inserted in the direction A with the front side up when used as an IC cash card or credit card, and in the direction B when the card 4 is used as a magnetic cash card. There is.

  FIG. 2 is an external view of the automatic transaction apparatus 1 according to the first embodiment. As shown in the figure, in the automatic transaction apparatus 1, a customer operation / display unit 3 for a customer to input a transaction or display transaction contents by a touch panel or the like, and a card 4 are inserted. A card insertion slot 2a and a passbook insertion slot 2b for inserting a passbook are provided.

  FIG. 4 shows a part of the configuration of the automatic transaction apparatus 1 according to the first embodiment. As shown in the figure, the automatic transaction apparatus 1 includes a card reader unit 5 for processing a card 4 inserted from a card insertion slot 2a, a customer operation / display unit 3, and a main control unit 7. The card reader unit 5 and the customer operation / display unit 3 are connected to the main control unit 7.

  The card reader unit 5 includes an MS reader unit 5a that reads magnetic stripe data (hereinafter referred to as “MS data”) from the magnetic stripe 4b of the card 4, and an image reader that reads an entire image of the card 4 using a color line sensor. An IC chip reader unit 5c that contacts the IC terminal 4a of the card 4 and reads data in the IC chip of the card 4, a medium transport unit 6 that transports the card 4, and a main control unit 7 The MS reader unit 5a, the image reader unit 5b, the IC chip reader unit 5c, and the medium transport unit 6 are respectively connected to the control unit 5d. It is connected.

  The main control unit 7 is also connected to a bankbook printer unit (not shown), a banknote / coin depositing / withdrawing unit, and the like, and is also connected to a host computer on the center side (not shown) to perform communication control. ing.

(Operation)
With the above configuration, the automatic transaction apparatus 1 according to the first embodiment operates as follows. This operation will be described below in detail with reference to the operation explanatory diagrams of FIGS.

  First, the operation when the insertion direction is normal will be described.

  When the customer selects a transaction from the customer operation / display unit 3, as shown in FIG. 5, the customer inserts the card 4 into the card insertion slot 2a in the A direction with the front side facing up.

  When the card reader unit 5 takes the card 4 into the unit, the card reader unit 5 transports the card 4 by the medium transport unit 6, first reads MS data by the MS reader unit 5a, and then the image reader unit. At 5b, the entire image on the surface of the card 4 is read.

  The read MS data and the entire image are transmitted to the main control unit 7 via the control unit 5d.

  Whether the MS data is normal read data in the main control unit 7 (for example, a card having only the magnetic stripe 4b for magnetic cash card transaction is inserted in the A direction with the card surface facing up, and the MS data cannot be read. In addition, whether or not the contents of the MS data match the contents of the transaction (for example, in the case of IC cash card transaction, the card surface side is turned up and inserted in the B direction to become the MS data of the magnetic cash card transaction. If both are determined to be normal, the transaction is continued assuming that the card 4 is properly inserted.

  When the card 4 is conveyed to the IC chip reader unit 5c by the medium conveyance unit 6, the IC chip reader unit 5c reads the IC chip data via the IC terminal 4a of the card 4.

  The read IC chip data is transmitted to the main control unit 7 via the control unit 5d.

  Next, the operation when the insertion direction is incorrect will be described.

  When the customer selects a transaction from the customer operation / display unit 3, as shown in FIG. 6A, the customer inserts the card 4 into the card insertion slot 2a from the B direction with the front side facing up.

  When the card reader unit 5 takes the card 4 into the unit, the card reader unit 5 transports the card 4 by the medium transport unit 6, first reads MS data by the MS reader unit 5a, and then the image reader unit. At 5b, the entire image on the surface of the card 4 is read.

  The read magnetic data and the entire image are transmitted to the main control unit 7 via the control unit 5d.

  In the main control unit 7, it is determined whether the MS data is normal read data and whether the content of the MS data matches the transaction content. Start the discharge process.

  When the medium discharge process is started, the card 4 transported to the IC chip reader unit 5c is transported to the card insertion slot 2a by the medium transport unit 6 and returned to the customer.

  At that time, as shown in FIG. 1, the main control unit 7 pastes the whole image read by the image reader unit 5b on the first image pasting area 8a, and rotates the whole image by 180 degrees. A guidance display in which an image is pasted on the second image pasting area 8b is displayed on the customer operation / display unit 3, and along with voice guidance, the customer is guided in an appropriate insertion direction of the card 4.

(Effect of Example 1)
As described above, according to the automatic transaction apparatus of the first embodiment, the conveying means for conveying the card, the detecting means for detecting the insertion direction of the card, and the appropriate insertion direction of the card by voice or display, etc. An automatic transaction apparatus comprising guidance means for guiding, wherein the card acquired by the image acquisition means when an image acquisition means for reading the entire image of the card is provided and the card is inserted in a wrong direction In order to display the appropriate insertion direction using the entire image of the card, after removing the ejected card, if you do not know which direction was inserted by mistake first, Regardless of the design, customers can deal with it smoothly.

(Constitution)
FIG. 7 shows a part of the configuration of the automatic transaction apparatus 1 according to the second embodiment. As shown in the figure, a configuration in which a character recognition processing unit 7a is provided in the main control unit 7 with respect to the configuration of the first embodiment in FIG. 4, and other configurations including connection are implemented. Similar to Example 1.

(Operation)
With the above configuration, the automatic transaction apparatus 1 according to the second embodiment operates as follows. This operation will be described in detail below using the operation explanatory diagram of FIG. 6 and the image example of FIG.

  Since the operation when the insertion direction is normal is the same as that of the first embodiment, the description thereof is omitted.

  The operation when the insertion direction is incorrect will be described.

  After the customer selects a transaction from the customer operation / display unit 3 and inserts the card 4 into the card insertion slot 2a, the acquired MS data is determined to be abnormal, and the card 4 is returned to the customer by the medium ejection process. The operation of is the same as that of the first embodiment.

  When returning the card 4 to the customer, the character recognition processing unit 7a in the main control unit 7 is generally used for the entire image (FIG. 8A) on the surface of the card 4 acquired by the image reader unit 5b. After performing character recognition processing using a simple character recognition technique, for example, areas where three or more numbers and slashes are arranged are extracted as a first security area 4c, a second security area 4d, and a third security area 4e. (FIG. 8 (b)), and further divide the security area into areas for each character (FIG. 8 (c)). An image obtained by masking all the characters is generated (FIG. 8D).

  As shown in FIG. 9, the main control unit 7 pastes the masked image on the first image pasting area 8a, and rotates the masked image 180 degrees in the second image pasting area 8b. The affixed guidance display is displayed on the customer operation / display unit 3, and along with voice guidance, the customer is guided in the appropriate insertion direction of the card 4.

(Effect of Example 2)
As described above, according to the automatic transaction apparatus of the second embodiment, the conveying means for conveying the card, the detecting means for detecting the insertion direction of the card, and the appropriate insertion direction of the card by voice or display or the like. An automatic transaction apparatus comprising guidance means for guiding, an image acquisition means for reading the entire image of the card, and a character recognition processing means for performing character recognition processing of the entire image of the card acquired by the image acquisition means; In addition to the effects of Embodiment 1, in addition to the effects of the first embodiment, the character recognition processing means is used to guide an appropriate insertion direction using an image obtained by masking a part of the entire image. It is possible to prevent information leakage due to sneaking of the security information of the installed customer.

<< Other modifications >>
In the above description of the embodiment, the example in which the image reader unit is disposed on the upper part of the conveyance path unit has been described. However, as illustrated in FIG. 10, the image reader unit is independently disposed above and below the conveyance path unit. By using the front and back images of the card acquired from each image reader unit, as shown in FIG. 11, even if the front and back of the card are mistakenly inserted, it is possible to display information appropriately for the customer. Also good.

  In the above description of the embodiment, an example in which a card is inserted has been described. However, when a passbook is inserted, an image reader unit is added to the passbook printer unit, and a character recognition processing unit is added to the main control unit. By adopting the same configuration, the same effect as that of the above-described embodiment can be expected.

  As described above, the present invention can be widely used for the insertion direction guidance of a card or a passbook in an automatic transaction apparatus.

It is a figure which shows the example of the guidance display of Example 1. FIG. BRIEF DESCRIPTION OF THE DRAWINGS It is an external view of the automatic transaction apparatus of Example 1. FIG. (A) is a figure which shows the example of a card | curd surface, (b) is a figure which shows the example of a card | curd back surface. It is a figure which shows a part of structure of the automatic transaction apparatus of Example 1. FIG. It is a card drawing operation explanatory view at the time of normal insertion direction. (A) is card | curd drawing-in operation explanatory drawing at the time of an insertion direction error, (b) is card | curd discharge operation explanatory drawing at the time of an insertion direction error. It is a figure which shows a part of structure of the automatic transaction apparatus of Example 2. FIG. (A) is a figure which shows the example of an acquired image, (b) is a figure which shows the example of an acquired image after a character recognition process, (c) is a figure which shows the example of an image which cut out the area | region for every character, (d () Is a diagram showing an example of a masking image in the first character image of each area. It is a figure which shows the example of the guidance display of Example 2. FIG. (A) is card | curd drawing-in operation explanatory drawing at the time of the insertion direction error of another modification, (b) is card | curd discharge operation explanatory drawing at the time of the insertion direction error of another modification. It is a figure which shows the example of the guidance display of another modification.

Explanation of symbols

1 Automatic transaction device 2a Card insertion slot 3 Customer operation / display section
4 card 4a IC terminal 4b magnetic stripe 4c first security area 4d second security area 4e third security area 5 card reader unit 5a MS reader unit 5b image reader unit 5c IC chip reader unit 5d control unit 6 medium transport unit 7 Main control unit 7a Character recognition processing unit 8a First image pasting area 8b Second image pasting area

Claims (4)

Automatic transaction comprising transport means for transporting a card or passbook, detection means for detecting the insertion direction of the card or passbook, and guidance means for guiding the appropriate insertion direction of the card or passbook by voice or display A device,
An image acquisition means for reading the entire image of the card or passbook is provided,
An automatic transaction apparatus characterized in that, when the card or passbook is inserted in the wrong direction, guidance of an appropriate insertion direction is performed using the entire image of the card or passbook acquired by the image acquisition means.   2. The automatic transaction apparatus according to claim 1, wherein the detecting means for detecting the insertion direction of the card or passbook is a magnetic stripe data reading means. Character recognition processing means for performing character recognition processing of the entire image of the card or passbook acquired by the image acquisition means,
3. The automatic transaction apparatus according to claim 1, wherein guidance for an appropriate insertion direction is provided using an image obtained by masking a part of the entire image using the character recognition processing means. The image acquisition means is disposed above and below the conveying means,
4. An automatic transaction apparatus according to claim 1, wherein guidance is provided in an appropriate insertion direction using whole images of the front and back sides of the card or passbook.

Images