JP2010122833A - Automatic dealing device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To prevent unauthorized use of data by reliably making a customer recognize that a skimming device is attached. <P>SOLUTION: Drawing out of a card by the customer is disabled when the skimming device is attached to a card insertion/delivery port of a card processing part 2, by controlling so that the length of the distal end of the card at delivery of the card projecting from the card insertion/delivery port is larger than a minimum length required for the customer to pinch the card distal end and draw it out and smaller than the thickness of the skimming device. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus in which a customer makes a transaction using a transaction medium such as a card.

In an institution or a convenience store of a financial institution, an automatic transaction apparatus that is operated by a customer and performs various transactions is installed.
Such an automatic transaction apparatus allows a customer to insert a card at the time of transaction, conveys the transaction card, reads card data such as an account number and a branch number from a magnetic stripe provided on the card with a card reader, At the end, the card is ejected and returned to the customer, but in recent years, a skimming device has been installed at the card insertion / extraction port of the card reader in this automatic transaction device, and the card data is read from the customer's card for transaction and used illegally. The crime to do is increasing.

When the skimming device is attached to the card insertion / ejecting port equipped in the automatic transaction device, it can be distinguished from the original card insertion port equipped in the automatic transaction device at first glance. In many cases, account data can be read from a card without the customer's knowledge.
Therefore, in financial institutions, as a measure for preventing unauthorized acquisition of account data by the skimming device, means for detecting the skimming device attached to the bias is taken.

  As one of them, when a flicker having light sources of a plurality of colors is provided around the card insertion slot and a customer selects a transaction on the input / display unit, the control unit of the apparatus selects one of a plurality of light emission patterns prepared. The input and display unit alternately displays the flicker lit state still image and the unlit state still image on the input and display unit on the input and display unit. Make sure that the flicker emission pattern around the card insertion slot matches the flicker emission pattern of the image and the flicker emission pattern around the card insertion outlet. If a skimming device with a light emitting function is attached to the card insertion / ejection slot, the presence of the skimming device will be An automatic transaction apparatus which can recognize (e.g., see Patent Document 1).

In addition, when an image pickup device equipped with a lens with an autofocus control function is attached to a position where an ATM (automatic transaction device) card insertion portion can be photographed from the front upper part, and the skimming device is mounted on the card insertion portion, the image pickup device When the change in focal length to the skimming device is detected and the imaging distance information is sent from the autofocus control unit that drives the autofocus control function to the calculation unit, and the calculation unit is within the predetermined range A system has also been proposed in which it is determined that a skimming device is mounted and an alarm is output (see, for example, Patent Document 2).
Japanese Patent Laid-Open No. 2007-279877 Japanese Patent Laid-Open No. 2008-225670

However, in the above-described conventional technology, flicker having a plurality of color light sources is not provided in the card insertion slot of the automatic transaction apparatus, or an imaging device having an autofocus function is not installed at a position where the card insertion slot can capture images. Therefore, it is necessary to add mechanical parts and devices, and there is a problem that it takes time and cost.
An object of the present invention is to solve such a problem.

  Therefore, the present invention provides an operation display unit that displays a screen for guiding a customer's operation necessary for transaction selection or transaction, and the customer's transaction medium inserted from the medium insertion / extraction port. In the automatic transaction apparatus provided with a data reading unit for reading data from the magnetic stripe provided in the customer, when the transaction medium is ejected, the length at which the tip of the transaction medium protrudes from the medium insertion / extraction port is determined by the customer. The length is controlled so as to be not less than the minimum length necessary for picking and pulling out and the thickness of the skimming device attached to the medium insertion / ejection port.

  In the present invention as described above, a skimming device is attached to a customer who is an owner of a transaction medium such as a card used for a transaction without adding mechanical parts and devices and taking time and expense. It is possible to reliably recognize that the data is used and to prevent unauthorized use of the data.

  Embodiments of an automatic transaction apparatus according to the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing an embodiment of an ATM according to the present invention.
In the figure, reference numeral 1 denotes an automatic transaction apparatus (hereinafter referred to as ATM) installed in a financial institution or the like, a card processing unit (reading unit) 2, a voice guidance unit 3, a passbook processing unit (reading unit) 4, and banknote deposit and withdrawal. Unit 5, coin deposit / withdrawal unit 6, operation display unit 8, memory unit (storage unit) 9, interface 10, and control unit 7 for controlling them.

  FIG. 2 is a perspective view showing the appearance of the ATM 1 of the embodiment, and a customer service portion comprising a substantially horizontal or slightly inclined plane portion and an elevation portion set at the front upper portion is provided, and a card is inserted into the elevation portion. A discharge port 2a, a speaker 3a, and a passbook insertion / discharge port 4a are provided, a banknote deposit / withdrawal port 5a and a coin deposit / withdrawal port 6a are provided on the back side of the plane portion, and an operation display unit 8 is provided on the front side.

  These card insertion / discharge port 2a, speaker 3a, passbook insertion / discharge port 4a, banknote deposit / withdrawal port 5a, coin deposit / withdrawal port 6a are the card processing unit 2, voice guidance unit 3, passbook processing unit 4, banknote shown in FIG. The card processing unit 2 is arranged in correspondence with the deposit / withdrawal unit 5 and the coin deposit / withdrawal unit 6, and the card processing unit 2 is placed on the magnetic stripe (magnetic data recording unit) of the card which is the customer's transaction medium inserted through the card insertion / extraction port 2 a. On the other hand, the card data (transaction data) such as the account number is read and the predetermined data is written as necessary, and the passbook processing unit 4 magnetic stripes (magnetic) of the customer's passbook inserted through the passbook insertion / extraction port 4a. A data recording unit) reads bankbook data (transaction data) such as an account number, and prints transaction contents, unrecorded data, and the like in a printing field of the bankbook.

The card processing unit 2 may be a card reader that only reads card data with respect to the magnetic stripe of the card.
The banknote depositing / dispensing unit 5 discriminates and counts the deposited banknotes inserted into the banknote depositing / dispensing port 5a by the customer, counts and stores the banknotes in the banknote storage unit, and stores the banknote of the denomination and amount specified by the customer. After paying out, counting and counting, the withdrawal processing for withdrawal from the banknote deposit / withdrawal port 5a is performed, and the coin deposit / withdrawal unit 6 discriminates, counts and counts the coins inserted into the coin deposit / withdrawal port 6a. The deposit processing stored in the storage section and the coin type and amount specified by the customer are drawn out from the coin storage section, identified, counted, and then withdrawn from the coin deposit / withdrawal port 6a. .

The voice guidance unit 3 outputs a message or the like for guiding a customer's operation as guidance voice from the speaker 3a.
The operation display unit 8 displays a screen on which a message for guiding a customer's operation is arranged and various input keys. By pressing the input key with a finger from the touch panel, information defined in the input key can be input. In addition, the input information is displayed.

The memory unit 9 stores input data and the like at the time of transaction, and also stores a control program for controlling the operation of the apparatus, a transaction selection screen, a guidance screen and an input screen for each processing step in each transaction, etc. Is also stored in the memory unit 9.
Based on the control program stored in the memory unit 9, the control unit 7 is a card processing unit 2, a voice guidance unit 3, a passbook processing unit 4, a bill deposit / withdrawal unit 5, a coin deposit / withdrawal unit 6, an operation display unit 8, and the like. And has a function of executing various transactions by displaying the screen stored in the memory unit 9 on the operation display unit 8 at any time. It communicates with a certain host computer and exchanges necessary information.

The host computer is installed at a financial institution center or the like, and has a function of managing each customer's name, account number, personal identification number, unrecorded transaction history data, and balance as account data. .
FIG. 3 is a side view showing the internal structure of the card processing unit 2. As shown in the figure, a straight conveyance path 10 is provided from the card insertion / discharge port 2a toward the back (inside the apparatus). Is formed as a space between a pair of upper and lower guide plates.

Reference numeral 11 denotes a detection sensor as card detection means arranged in the vicinity of the card insertion / discharge port 2a in the card processing unit 2, and is composed of a light emitting element and a light receiving element that are opposed to each other with the conveyance path 10 therebetween.
Reference numerals 12a to 12d and 13a to 13d denote a plurality of pairs of conveying rollers and pressure rollers that constitute conveying means provided along the conveying path 10, and are provided so as to face each other vertically.

The transport rollers 12a to 12d are driven by a stepping motor (drive source) (not shown) via a gear or belt (not shown), and the card is transported by sandwiching the card and rotating with the pressure rollers 13a to 13d. It is supposed to be.
Reference numeral 14 denotes a magnetic head for performing reading processing of magnetic data recorded on the magnetic stripe of the card, which will be described later, and is provided at a predetermined position in the transport path 3, for example, a position between the transport rollers 12b and 12c. A pressure roller 15 that presses the magnetic head 14 against the magnetic head 14 is disposed.

Reference numeral 16 denotes a card used as a transaction medium by a customer who makes a transaction at ATM1, and has a magnetic stripe, and card data such as a customer's account number and branch number are magnetically recorded on the magnetic stripe.
Next, the operation of the above configuration will be described.
Note that the operation of each unit described below is controlled by the control unit 7 based on a program (software) stored in the memory unit 9.

When a customer who visits a financial institution or the like stands in front of ATM 1 and selects a transaction on the transaction selection screen displayed on the operation display unit 8, the control unit 7 performs processing based on the program of the selected transaction. Execute.
For example, when a withdrawal transaction is selected, a screen for prompting insertion of a card is displayed on the operation unit display unit 8, and the customer inserts a card insertion outlet 2a of the card processing unit 2 as shown in FIG. When the card 16 is inserted into the card 16 and the leading edge of the card 16 is detected by the detection sensor 11, the conveying rollers 12a to 12d are driven by a stepping motor (driving source) (not shown) via a gear or belt (not shown). As a result, the transport rollers 12a to 12d rotate in the card take-in direction.

When the leading end of the card 16 is inserted between the transport roller 12a and the pressure roller 13a, the card 16 is taken into the card processing unit 2 by the rotation of the transport rollers 12a to 12d as shown in FIG. The card data such as the customer's account number and branch number is read from the magnetic stripe provided on the card 16 by the magnetic head 14.
The card 16 from which the card data has been read is further sandwiched between the conveying rollers 12b and 12c and the pressure rollers 13b and 13c until the card 16 passes between the magnetic head 14 and the pressure roller 15, and the card 16 is further conveyed. When sandwiched between 12d and the pressure rollers 13c and 13d, the control unit 7 stops the stepping motor and stops the rotation of the transport rollers 12a to 12d.

As a result, the card 16 is stopped and stands by while being held between the conveying rollers 12c and 12d and the pressure rollers 13c and 13d.
Thereafter, when the customer inputs the password and the withdrawal amount according to the screen displayed on the operation display unit 8, the control unit 7 displays the entered password, the withdrawal amount and the card data on the interface 10. When the information indicating that the transaction is permitted is received from the host computer, the control unit 7 withdraws the amount of money with the banknote deposit / withdrawal unit 5 or the coin deposit / withdrawal unit 6 Cash is paid to the customer from the deposit / withdrawal port 5a and the coin deposit / withdrawal port 6a.

At the same time, the control unit 7 drives a stepping motor (not shown) to rotate the transport rollers 12a to 12d in the card discharge direction.
As a result, the card 16 is transported toward the card insertion / discharge port 2a, and when the leading edge of the card 16 is detected by the detection sensor 11, the control unit 7 drives the stepping motor by a predetermined pulse from the time point when the detection sensor 11 detects the card. Then, by stopping the stepping motor, control is performed so that the front end of the card 16 protrudes from the card insertion / discharge port 2a by a predetermined length as shown in FIG.

The predetermined length in this case may be a minimum length (for example, about 1 mm) necessary for the customer to pick up and pull out the card 16 with a fingertip, but for the customer to pick up and pull out the card 16 with a fingertip. And a thickness of a skimming device (length in the card insertion / ejection direction) to be described later or less.
Generally, the protruding length of the front end of the card from the card insertion / ejection slot 2a when the card is ejected is set to a length of about 28 mm so that the customer can easily perform the operation of picking up and pulling out the card 16 with a fingertip.

However, according to this, when a skimming device is attached to the card insertion / discharge port 2a, the tip of the card 16 also protrudes from the skimming device, so that the customer misses the presence of the skimming device.
FIG. 4 is a side view showing an example in which a skimming device is attached to the card insertion / discharge port 2a.
In the figure, reference numeral 17 denotes a skimming device having a through hole 17a communicating with the card insertion / discharge port 2a.

The skimming device 17 includes a magnetic head for reading card data when the card 16 passes through the through hole 17a, a memory for storing the read card data, a transmitter for sending the card data to the outside by radio, and the like. ing.
Such a skimming device 17 is made so as not to notice that it is attached, or as if it is a part of the card insertion / extraction port 2a, and the thickness thereof is limited to about 10 mm.

Therefore, when the protruding length of the tip of the card 16 from the card insertion / discharge port 2a at the time of card discharge is about 28 mm, the tip of the card 16 is exposed to the outside from the through hole 17a of the skimming device 17 as shown by a broken line in FIG. The customer will pull out the card 16 and return home while overlooking the presence of the skimming device 17.
On the other hand, in this embodiment, the length at which the tip of the card 16 protrudes from the card insertion / extraction port 2a is longer than the minimum length necessary for the customer to pick up and pull out the card 16 with a fingertip, which will be described later. 4, the tip of the card 16 stays in the through hole 17 a of the skimming device 17, and the customer pulls out the card 16. This makes it impossible for the customer to recognize the presence of the skimming device 17.

At that time, it is more effective to display a specific message on the screen of the operation display unit 8 or to output sound from the speaker 3a.
FIG. 5 is a diagram showing an example of a screen for prompting card removal to be displayed on the operation display unit 8 when the card is ejected. As shown in this figure, a message for prompting card removal “Please remove the card” when the card is ejected. At the same time, a screen with a warning message such as “If you cannot remove the skimming device may have been installed improperly, please notify your local staff.” If the customer is notified by outputting a similar message from the speaker 3a by voice, the customer can inform a nearby staff that the card 16 cannot be pulled out.

As a result, the attendant immediately takes off the skimming device 17 and takes measures to prevent the damage from spreading.
At that time, by pressing the confirmation button 18 displayed on the screen, it is input that the skimming device 17 has been removed, and the transaction is terminated.
In this case, since the card data may be read and transmitted to the outside when the card is inserted, when the skimming device 17 is removed, after the card 16 is pulled out, the customer account number is changed and the card data is changed. Try to rewrite.

When the skimming device 17 is not attached, the customer grasps and pulls out the tip of the card 16 protruding a predetermined length from the card insertion / extraction port 2a with a fingertip, and the transaction ends.
In addition, when there is no resident in the vicinity of ATM1, or when ATM1 is installed in an unmanned store, etc., it is possible to report to the clerk etc. with the handset for clerk reporting provided in ATM1. Is possible.

  In the embodiment described above, the length at which the tip of the card 16 protrudes from the card insertion / ejection slot 2a when the card is ejected is longer than the minimum length necessary for the customer to pick up the card 16 with the fingertip and pull it out. In order to control the length to be equal to or less than the thickness of the skimming device 17, when the skimming device 17 is attached to the card insertion / ejection slot 2a, it becomes impossible for the customer to pull out the card 16, and therefore mechanical. There is an effect that it is possible to surely recognize that the skimming device 17 is attached to the customer without adding parts and devices, and to spend time and cost, and to prevent unauthorized use of data. can get.

In the above-described embodiment, the card discharge at the time of the withdrawal transaction has been described as an example. However, the present invention can be applied to all cases where the card 16 taken into the card processing unit 2 is discharged. In the case where the passbook is used as a transaction medium, the same effect can be obtained by controlling in the same manner when the passbook is discharged.
Further, in the above-described embodiment, the length (protrusion length) by which the tip of the card 16 protrudes from the card insertion / discharge port 2a when the card is discharged is the minimum necessary for the customer to pick up the card 16 with the fingertip and pull it out. Although the control is performed so that the length is equal to or greater than the length and equal to or less than the thickness of the skimming device 17, the present invention is not limited to this, and the following is also possible.

For example, the protruding length of the card tip from the card insertion / ejection slot 2a when the card is ejected is set to the minimum length necessary for the customer to pick up and pull out the card 16 with a fingertip, and the tip of the card 16 is the card insertion / ejection slot. When protruding from 2a, a screen for confirming whether or not the tip of the card 16 is protruding is displayed on the operation display unit 8.
When the “Yes” or “No” button displayed on the screen is pressed, the leading edge of the card 16 is input or not input, and the “Yes” button indicating that it is out is pressed, Further, when the tip of the card 16 is easily pulled out (for example, 20 mm), the card 16 is protruded from the card insertion / ejection slot 2a to cause the customer to pull out, and when the “No” button indicating that the card 16 is not ejected is pressed, The screen for prompting card removal shown in FIG. 5 is displayed, and the same processing as described above is performed.

By doing in this way, the same effect as the said Example is acquired.
Further, as described above, a confirmation screen for confirming whether or not the front end of the card 16 has come out is displayed on the operation display unit 8, and when the “Yes” button indicating that it has come out is pressed, the card 16 is further pushed. It is also possible to determine the protruding length from the card insertion / discharge port 2a at the tip of the card according to the customer's wishes.

As a method in this case, the protrusion length data is recorded on the magnetic stripe of the card 16 and the protrusion length data is also read when the card data is read to control the protrusion length or the protrusion length data is transferred to the host computer. It may be possible to control the protrusion length by registering in advance and acquiring the protrusion length data from the host computer in a timely manner.
Furthermore, a protrusion length selection screen for selecting the protrusion length can be displayed on the operation display unit 8 so that the customer can select it.

  FIG. 6 is a diagram showing an example of the projection length selection screen of the card 16. As shown in this figure, a message for prompting selection such as “Put out the tip of the card. Please select the length to be ejected with the lower button.” In addition, for example, selection buttons 19a to 19c for selecting a protrusion length such as “1 cm”, “2 cm”, and “3 cm” are displayed, and the protrusion length selected by the customer pressing one of the selection buttons 19 a to 19 c is displayed. Accordingly, control is performed so that the front end of the card 16 protrudes from the card insertion / discharge port 2a.

Block diagram showing an embodiment The perspective view which shows the external appearance of an Example Side view showing internal structure of card processing unit Side view showing an example with a skimming device attached Figure showing an example of a screen prompting card removal The figure which shows the example of the protrusion length selection screen of the card tip

Explanation of symbols

1 ATM
2 Card processing unit 2a Card insertion / discharge port 3 Voice guide unit 3a Speaker 4 Passbook processing unit 4a Passbook insertion / discharge port 5 Banknote deposit / withdrawal unit 5a Banknote deposit / withdrawal port 6 Coin deposit / withdrawal unit 6a Coin deposit / withdrawal port 7 Control unit 8 Operation display Part 9 Memory part (storage part)
DESCRIPTION OF SYMBOLS 10 Interface 11 Detection sensor 12a-12d Conveyance roller 13a-13d Pressure roller 14 Magnetic head 15 Pressure roller 16 Card 17 Skimming apparatus 18 Confirmation button 19a-19c Selection button

Claims (5)

An operation display unit that displays a screen for guiding a customer's operation necessary for transaction selection or transaction, and a magnet provided in the transaction medium by taking in the customer's transaction medium inserted from the medium insertion / extraction port In an automatic transaction apparatus having a data reading unit for reading data from a stripe,
When the transaction medium is discharged, the length at which the tip of the transaction medium protrudes from the medium insertion / extraction port is longer than the minimum length necessary for the customer to pick up and pull out the transaction medium with the fingertip, and the medium insertion / extraction port The automatic transaction apparatus is controlled to have a length equal to or less than a thickness of a skimming apparatus attached to the apparatus. The automatic transaction apparatus according to claim 1,
When the front end of the transaction medium is projected from the medium insertion / ejection port, a confirmation screen for confirming whether or not the front end of the transaction medium is visible is displayed, and an input to the effect that the front end of the transaction medium is visible is performed on the confirmation screen. If it is broken, the automatic transaction apparatus further protrudes the tip of the transaction medium. The automatic transaction apparatus according to claim 2,
An automatic transaction apparatus, wherein data of a protrusion length when the front end of the transaction medium is further protruded is recorded on a magnetic stripe of the transaction medium, and the front end of the transaction medium is protruded based on the protrusion length data. . The automatic transaction apparatus according to claim 2,
Automatic transaction characterized by registering protrusion length data in the host device when the tip of the transaction medium is further protruded, acquiring the protrusion length data from the host device and protruding the tip of the transaction medium apparatus. The automatic transaction apparatus according to claim 2,
A protrusion length selection screen for selecting a protrusion length when further protruding the tip of the transaction medium is displayed on the operation display unit, and the tip of the transaction medium is selected based on the protrusion length selected by the customer on the protrusion length selection screen. An automatic transaction apparatus characterized by projecting.

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