JP2010113556A - Automated transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To easily grasp a magnetic level of a magnetic recording body and easily recognize that it is impossible to make a transaction due to the drop of the magnetic level by displaying, in a graph, magnetic level information of the magnetic recording body provided for a medium. <P>SOLUTION: An automated transaction device 10 performing a financial transaction through an operation of a customer of a financial institute includes a magnetic reading unit 13 outputting magnetic level information showing a magnetic level of a magnetic recording body 22 provided for the medium 21 of the customer; a graphic information creation unit 14 creating a magnetic level graph showing the magnetic level information; and a display unit 12 displaying the magnetic level graph. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus.

  Conventionally, automatic transaction machines such as ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) have been installed at branches of financial institutions such as banks, credit unions, post offices, etc. Yes. And a customer operates the said automatic transaction apparatus by himself and performs financial transactions, such as payment, withdrawal, transfer, and transfer. In this case, when the customer inserts the cash card owned by the customer into the card slot of the card reader of the automatic transaction apparatus, information such as the customer's account number and the branch number of the financial institution recorded in the magnetic stripe provided in the cash card It is read by a magnetic head provided in the card reader.

However, repeated use of the cash card may reduce the magnetism of the magnetic stripe below a predetermined level, making it impossible to read information by the card reader. In such a case, it is difficult to determine whether the cause of the reading failure is in the magnetic stripe of the cash card or the card reader. Therefore, a technology has been proposed in which an information display part is formed on the surface of the cash card, and when it is detected that the magnetic level of the magnetic stripe is lowered, the fact is printed on the information display part and notified to the customer. (For example, refer to Patent Document 1).
JP 2006-338404 A

  However, in the conventional automatic transaction apparatus, since information indicating that the magnetic level of the magnetic stripe is lowered is printed on the surface of the cash card, the cash card must have an information display portion formed thereon. However, it is necessary to replace a normal cash card currently used with a cash card having an information display portion formed on the surface, which is difficult to realize. In addition, it is necessary to load the card reader with a printing device for printing the information, which increases the cost.

  The present invention solves the problems of the conventional automatic transaction apparatus and displays the magnetic level information of the magnetic recording medium included in the medium as a graph so that the magnetic level of the magnetic recording body can be easily grasped. It is an object of the present invention to provide an automatic transaction apparatus that can easily recognize that a transaction is impossible due to a decrease in magnetic level.

  Therefore, in the automatic transaction apparatus according to the present invention, an automatic transaction apparatus that is operated by a financial institution customer to perform a financial transaction, and outputs magnetic level information indicating a magnetic level of a magnetic recording medium included in the customer medium. A magnetic reading unit, a graph information generation unit that generates a magnetic level graph indicating the magnetic level information, and a display unit that displays the magnetic level graph.

  In another automatic transaction apparatus of the present invention, an automatic transaction apparatus operated by a customer of a financial institution to perform a financial transaction, and outputs magnetic level information indicating a magnetic level of a magnetic recording medium provided in the customer medium. A magnetic reading unit, a graph information creation unit that creates a magnetic level graph indicating the magnetic level information, a magnetic level decrease determination unit that determines a decrease in the magnetic level, and an explanation that explains that there is a problem with the magnetic level A magnetic level explanation information creating section for creating information; and a display section for displaying the explanation information together with the magnetic level graph.

  In still another automatic transaction apparatus of the present invention, the explanation information further includes explanation information for explaining which part in the magnetic level graph is a part that has fallen below a predetermined level, and the magnetism. It includes explanatory information explaining that there is an abnormality in the magnetic level of the recording medium.

  In still another automatic transaction apparatus according to the present invention, the financial transaction is stopped when the magnetic level of the magnetic recording material is lowered to a predetermined level or less.

  According to the present invention, in the automatic transaction apparatus, the magnetic level information of the magnetic recording medium included in the medium is displayed as a graph. As a result, the magnetic level of the magnetic recording medium included in the medium can be easily grasped, and it can be easily recognized that the transaction is impossible due to the decrease in the magnetic level.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing the configuration of the automatic transaction apparatus according to the first embodiment of the present invention.

  In the figure, 10 is an automatic transaction device such as ATM, CD, etc. installed at a branch of a financial institution such as a bank, a credit union, a post office, etc. It is an apparatus for conducting transactions such as withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, that is, financial transactions. The automatic transaction apparatus 10 is a store of a store such as a convenience store, a supermarket, a department store, an underground mall, a station premises, a city hall, a public facility such as a hospital, a private company such as a factory or an office, a parking lot, a roadside ( It may be arranged outdoors such as aside). The automatic transaction apparatus 10 is a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. There may be. The customer is a person who opens an account with a financial institution and performs the financial transaction.

  Reference numeral 12 denotes a display unit that includes display means such as a CRT, a liquid crystal display, and an LED (Light Emitting Diode) display, and displays various types of information on the screen of the display means. The display unit 12 may be disposed at any part of the automatic transaction apparatus 10, and may be, for example, a touch panel of a customer operation unit operated by a customer, but in the present embodiment, A display panel for maintenance and inspection disposed in the casing of the automatic transaction apparatus 10 will be described as being only visible to an attendant of a financial institution that performs maintenance and inspection of the automatic transaction apparatus 10. .

  Reference numeral 21 denotes a medium including a magnetic recording body 22 such as a magnetic stripe, which is, for example, a card such as a cash card or a credit card, or a bankbook such as a bankbook. In the present embodiment, description will be made assuming that the medium 21 is a cash card. In this case, information such as the customer's name, financial institution name, store number, and account number is stored in the magnetic recording body 22 as magnetic data.

  Reference numeral 13 denotes a magnetic reading unit for reading magnetic data from the magnetic recording body 22 of the medium 21. When the medium 21 is a bankbook, the magnetic reading unit 13 is a bankbook processing unit, and includes a printing device that prints transaction contents on the medium 21 inserted by a customer from a bankbook slot (not shown). However, in the present embodiment, since the medium 21 is a cash card, the magnetic reading unit 13 is assumed to be a card processing unit. In this case, the magnetic reading unit 13 includes a card slot (not shown), a conveying device that conveys the medium 21 inserted by the customer from the card slot, and a magnetic head that reads and writes magnetic data from the magnetic recording body 22 of the medium 21. Etc. The magnetic reading unit 13 reads the magnetic level of the magnetic recording body 22 and outputs magnetic level information indicating the magnetic level. Further, the magnetic reading unit 13 may have a statement sheet on which the details of the transaction are described, that is, a mechanism for printing a receipt.

  Moreover, the said automatic transaction apparatus 10 has a touchscreen operation part as a customer operation part which is not shown in figure. The touch panel operation unit is composed of a touch panel in which a pressure sensitive panel having a function as an input unit is attached to the surface of a display unit such as a CRT, a liquid crystal display, and an LED display. Any device may be used as long as it has both the function as the input device and the function as the input means. The customer touches the numeric keypad and other buttons displayed on the screen of the touch panel operation unit, that is, by pressing the buttons, various kinds of financial transactions such as selection of financial transactions and input of a PIN are required. Can be operated.

  Further, the automatic transaction apparatus 10 has a deposit / withdrawal unit (not shown). The deposit / withdrawal unit receives and counts, i.e., counts, or receives a predetermined amount of banknotes or coins in a financial transaction such as withdrawal. Pay out by mouth. In addition, a shutter that can be opened and closed is disposed at the money receiving port, and the shutter is opened when money is deposited and dispensed.

  Reference numeral 11 denotes a control unit as control means for controlling the entire automatic transaction apparatus 10. The control unit 11 is a kind of computer that operates according to a program stored in a storage unit including a semiconductor memory, a magnetic disk, and the like, and includes a calculation unit such as a CPU and an MPU, and includes the display unit 12 and the magnetic reading unit. The overall operation of the automatic transaction apparatus 10 including 13 is controlled in an integrated manner.

  The control unit 11 includes a graph information creation unit 14. When the control unit 11 receives the magnetic level information indicating the magnetic level of the magnetic recording body 22 output from the magnetic reading unit 13, the graph information generating unit 14 generates a graph indicating the magnetic level information, The graph is transmitted to the display unit 12 and displayed.

  The automatic transaction apparatus 10 is communicably connected to a host computer as a billing system upper apparatus disposed in a computer center of a financial institution via a network (not shown). The network may be any communication such as a wired or wireless public communication network, a dedicated communication network, an intranet, a LAN (Local Area Network), a WAN (Wide Area Network), a VPN (Virtual Private Network), a satellite communication network, etc. It may be a line network or a combination of these as appropriate.

  Next, the operation of the automatic transaction apparatus 10 having the above configuration will be described.

  FIG. 2 is a diagram showing an example of a graph showing magnetic level information displayed on the screen of the display unit in the first embodiment of the present invention.

  First, a customer standing in front of the automatic transaction apparatus 10 selects a desired transaction from a transaction screen displayed on the touch panel operation unit of the customer operation unit. As the transaction screen, a transaction selection screen which is an initial screen is displayed, and a button corresponding to each financial transaction is used as a selection means for selecting a financial transaction such as deposit, withdrawal, passbook entry, balance inquiry, and transfer. It is displayed. The customer can then select the desired financial transaction by depressing the appropriate button.

  Subsequently, the customer authenticates the user by inserting the medium 21 as his / her cash card into the card slot of the magnetic reading unit 13 as the card processing unit and inputting the personal identification number. Then, the automatic transaction apparatus 10 and the host computer communicate with each other to determine whether or not the input personal identification number matches the personal identification number registered in advance.

  Here, the magnetic reading unit 13 reads the magnetic level of the magnetic recording body 22 included in the medium 21 and outputs magnetic level information indicating the magnetic level. Subsequently, when the control unit 11 receives the magnetic level information indicating the magnetic level of the magnetic recording body 22 output from the magnetic reading unit 13, the magnetic level of the magnetic recording body 22 is set to a predetermined level based on the magnetic level information. Judge whether the level has fallen below. When it is determined that the magnetic level of the magnetic recording body 22 has dropped below a predetermined level, the magnetic data cannot be read accurately, and the control unit 11 transacts the screen displayed on the touch panel operation unit. Switch to the cancellation screen and forcibly cancel the transaction. Further, the medium 21 is returned from the card slot of the magnetic reading unit 13.

  In this case, the graph information creation unit 14 creates a graph indicating the magnetic level information and transmits the graph to the display unit 12. Then, the display unit 12 displays a graph display screen 23 as shown in the figure. On the graph display screen 23, a magnetic level graph 24, which is a graph showing magnetic level information, is displayed. In the example shown in the figure, in the magnetic level graph 24, a part of the magnetic level of the magnetic recording body 22 is lowered to a predetermined level or less, and the magnetic reading unit 13 cannot read the magnetic data accurately. It shows that.

  As a result, the staff of the financial institution receiving the report from the customer can easily grasp the magnetic level of the magnetic recording body 22 by viewing the display unit 12, and the transaction is caused by the decrease in the magnetic level. It is possible to recognize that it has been canceled, and to explain that fact to the customer.

  On the other hand, if the magnetic level of the magnetic recording body 22 has not dropped below a predetermined level, the customer continues to input the password. In this case, the customer inputs the personal identification number up to four digits as usual. Then, the control unit 11 determines whether or not the input of the personal identification number is completed, waits until the input is completed, and determines whether or not the input personal identification number matches the personal identification number registered in advance. .

  Subsequently, when the passwords match, the control unit 11 displays a screen for performing the financial transaction selected by the customer on the touch panel operation unit. And a customer inputs the transaction content by operating a touch panel operation part and inputting withdrawal amount, for example. Then, the automatic transaction apparatus 10 communicates with the host computer and executes a financial transaction. For example, money corresponding to the withdrawal amount input by the customer is paid out from the money receiving port of the deposit / withdrawal unit. When the transaction ends, the medium 21 is returned from the card slot.

  If the passwords do not match, the control unit 11 displays a password error message on the touch panel operation unit and forcibly stops the transaction. Then, the medium 21 is returned from the card slot of the magnetic reading unit 13.

  As described above, in the present embodiment, when the magnetic level of the magnetic recording body 22 included in the medium 21 is lowered to a predetermined level or lower, a graph indicating the magnetic level information is displayed on the display unit 12. As a result, a staff member of a financial institution that performs maintenance and inspection can easily grasp the magnetic level of the magnetic recording body 22 and can easily make a transaction impossible due to a decrease in the magnetic level. Can be recognized. Then, it can be accurately explained to the customer that the transaction is impossible due to the decrease in the magnetic level.

  In the present embodiment, the case where the display unit 12 is a maintenance / inspection display panel disposed in the housing of the automatic transaction apparatus 10 has been described. However, the customer operation that the display unit 12 operates by the customer is described. In the case of the touch panel operation unit, the graph display screen 23 is displayed on the touch panel operation unit. In this case, the clerk can explain to the customer in detail that the transaction has become impossible due to a decrease in the magnetic level while pointing the magnetic level graph 24 on the graph display screen 23 to the customer. Can be easily convinced.

  Next, a second embodiment of the present invention will be described. In addition, about the thing which has the same structure as 1st Embodiment, the description is abbreviate | omitted by providing the same code | symbol. The description of the same operation and the same effect as those of the first embodiment is also omitted.

  FIG. 3 is a block diagram showing the configuration of the automatic transaction apparatus according to the second embodiment of the present invention.

  As shown in the figure, in the present embodiment, the control unit 11 includes a magnetic level lowering determination unit 15 that determines which part of the magnetic level of the magnetic recording body 22 included in the medium 21 has decreased, and the medium 21 includes And a magnetic level explanation information creating unit 16 for creating explanation information for explaining that there is a problem in the magnetic level of the magnetic recording body 22 provided. Then, the magnetic level explanation information creating unit 16 transmits the explanation information for explaining that there is a problem in the magnetic level of the magnetic recording body 22 to the display unit 12 for display.

  Since the configuration of other points is the same as that of the first embodiment, description thereof is omitted.

  Next, operation | movement of the automatic transaction apparatus 10 in this Embodiment is demonstrated.

  FIG. 4 is a diagram showing an example of a graph showing magnetic level information displayed on the screen of the display unit in the second embodiment of the present invention.

  First, a customer standing in front of the automatic transaction apparatus 10 selects a desired transaction from a transaction screen displayed on the touch panel operation unit of the customer operation unit. Subsequently, the customer authenticates the user by inserting the medium 21 as his / her cash card into the card slot of the magnetic reading unit 13 as the card processing unit and inputting the personal identification number. Then, the automatic transaction apparatus 10 and the host computer communicate with each other to determine whether or not the input personal identification number matches the personal identification number registered in advance.

  Subsequently, the magnetic reading unit 13 reads the magnetic level of the magnetic recording body 22 included in the medium 21 and outputs magnetic level information indicating the magnetic level. Subsequently, when the control unit 11 receives magnetic level information indicating the magnetic level of the magnetic recording body 22 output from the magnetic reading unit 13, the magnetic level lowering determination unit 15 determines the magnetic recording body based on the magnetic level information. It is determined whether or not the magnetic level of 22 has fallen below a predetermined level. In this case, the magnetic level lowering determination unit 15 also determines which part of the magnetic level is a part that is lower than a predetermined level.

  When it is determined that the magnetic level of the magnetic recording body 22 has dropped below a predetermined level, the magnetic data cannot be read accurately, and the control unit 11 transacts the screen displayed on the touch panel operation unit. Switch to the cancellation screen and forcibly cancel the transaction. Further, the medium 21 is returned from the card slot of the magnetic reading unit 13.

  In this case, the graph information creation unit 14 creates a magnetic level graph 24 that is a graph indicating the magnetic level information. Further, the magnetic level explanation information creating unit 16 explains, based on the determination of the magnetic level lowering determination unit 15, which part in the magnetic level graph 24 is a part lowering below a predetermined level. Explanation information 25 such as information 25a, second explanation information 25b explaining the cause of the transaction being stopped, and third explanation information 25c explaining where the cause is located is created.

  Then, the control unit 11 transmits the magnetic level graph 24 created by the graph information creation unit 14 and the explanation information 25 created by the magnetic level explanation information creation unit 16 to the display unit 12. Then, the display unit 12 displays a graph display screen 23 as shown in the figure. On the graph display screen 23, a magnetic level graph 24, which is a graph showing magnetic level information, is displayed.

  Furthermore, in the present embodiment, as shown in the figure, below the magnetic level graph 24, which part of the magnetic level graph 24 is a portion that has fallen below a predetermined level is described. 1 explanation information 25a, second explanation information 25b explaining that there is an abnormality in the magnetic level of the magnetic recording medium 22 included in the medium 21 as the cause of the transaction being stopped, and The third explanation information 25c explaining that the medium 21 exists is displayed at the same time.

  As a result, even if the staff member of the financial institution receiving the report from the customer is not accustomed to coping with such trouble, the explanation information 25 is displayed on the graph display screen 23 of the display unit 12. The magnetic level of 22 can be easily grasped, and it can be recognized that the transaction is stopped due to the decrease of the magnetic level. Furthermore, the clerk can explain this to the customer.

  Since subsequent operations of the automatic transaction apparatus 10 are the same as those in the first embodiment, the description thereof is omitted.

  As described above, in the present embodiment, when the magnetic level of the magnetic recording body 22 included in the medium 21 is lowered to a predetermined level or lower, the explanatory information 25 is displayed on the display unit 12 together with the magnetic level graph 24. As a result, a staff member of a financial institution that performs maintenance and inspection can easily grasp the magnetic level of the magnetic recording body 22 even if it is unfamiliar, and it is impossible to make a transaction due to a decrease in the magnetic level. It can be easily recognized. Then, it can be accurately explained to the customer that the transaction is impossible due to the decrease in the magnetic level.

  In the present embodiment, the case where the display unit 12 is a maintenance / inspection display panel disposed in the housing of the automatic transaction apparatus 10 has been described. However, the customer operation that the display unit 12 operates by the customer is described. In the case of the touch panel operation unit, the graph display screen 23 is displayed on the touch panel operation unit. In this case, even if the customer does not notify the staff of the financial institution, a part of the magnetic level in the magnetic recording body 22 of the medium 21 inserted in the card slot falls below a predetermined level, and the magnetic reading unit 13 It is possible to easily recognize that the transaction has been canceled due to the fact that accurate reading of the magnetic data by means of is impossible. Therefore, it is possible to reduce the work burden on the staff.

  In the first and second embodiments, only the case where the medium 21 is a cash card has been described. However, the present invention can also be applied to a case where the medium 21 is a bankbook such as a bankbook. it can.

  In addition, this invention is not limited to the said embodiment, It can change variously based on the meaning of this invention, and does not exclude them from the scope of the present invention.

It is a block diagram which shows the structure of the automatic transaction apparatus in the 1st Embodiment of this invention. It is a figure which shows the example of the graph which shows the magnetic level information displayed on the screen of the display part in the 1st Embodiment of this invention. It is a block diagram which shows the structure of the automatic transaction apparatus in the 2nd Embodiment of this invention. It is a figure which shows the example of the graph which shows the magnetic level information displayed on the screen of the display part in the 2nd Embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 12 Display part 13 Magnetic reading part 14 Graph information preparation part 15 Magnetic level fall determination part 16 Magnetic level description information preparation part 21 Medium 22 Magnetic recording body 24 Magnetic level graph 25 Description information 25a 1st description information 25b 2nd Explanation information 25c Third explanation information

Claims (4)

(A) an automatic transaction apparatus that is operated by a customer of a financial institution to perform a financial transaction,
(B) a magnetic reading unit that outputs magnetic level information indicating a magnetic level of a magnetic recording body included in the customer medium;
(C) a graph information creation unit for creating a magnetic level graph indicating the magnetic level information;
(D) An automatic transaction apparatus comprising a display unit for displaying the magnetic level graph. (A) an automatic transaction apparatus that is operated by a customer of a financial institution to perform a financial transaction,
(B) a magnetic reading unit that outputs magnetic level information indicating a magnetic level of a magnetic recording body included in the customer medium;
(C) a graph information creation unit for creating a magnetic level graph indicating the magnetic level information;
(D) a magnetic level decrease determination unit that determines a decrease in the magnetic level;
(E) a magnetic level explanation information creating unit for creating explanation information explaining that there is a problem with the magnetic level;
(F) An automatic transaction apparatus comprising: a display unit that displays the explanation information together with the magnetic level graph. The explanation information is explanation information explaining which part in the magnetic level graph is a part that has fallen below a predetermined level, and explanation explaining that there is an abnormality in the magnetic level of the magnetic recording medium The automatic transaction apparatus according to claim 2, comprising information. The automatic transaction apparatus according to any one of claims 1 to 3, wherein the financial transaction is stopped when a magnetic level of the magnetic recording body is lowered to a predetermined level or less.

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