JP2010250711A - Automatic transaction apparatus, foreign matter detection method, and foreign matter detection system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction apparatus that detects a foreign matter, such as a skimming device, using a simple constitution. <P>SOLUTION: The automatic transaction apparatus 1 includes a transfer part 14e that takes in or returns a card type recording medium 61 having an information recording part 62 recorded with information for transactions; and an information reading part 14d, that reads information from the information recording part 62 of the card type recording medium 61. The automatic transaction apparatus 1, further, includes a recording medium transaction port 14a, that is disposed on a front surface of the automatic transaction apparatus 1 and though which the card type recording medium 61 passes, when the transfer part 14e takes in and returns the card type recording medium 61; first detection means 4 that is placed near the recording medium transaction port 14a and includes, as a detection range 4a, a direction perpendicular to a surface of the card at a position adjacent to the recording medium transaction port 14a, where the information recording part 62 of the card type recording medium 61 or the information recording part 62 passes, when the transfer part 14e fetches or returns the card type recording medium; and foreign matter detection means for determining whether a matter detected by the first detection means 4 is a foreign matter. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus installed in a financial institution or the like, and more particularly to an automatic transaction apparatus, a foreign object detection method, and a foreign object detection system that detect a foreign object or the like attached to the automatic transaction apparatus.

  In the past, foreign cameras such as devices (also called skimming devices or skimmers) that illegally read card information have been attached to the ATM by installing a camera outside the ATM (Automated Teller Machine), one of the automatic transaction devices. A technique is known in which a calculation distance unit calculates a change in the focal length of a camera and detects and outputs an alarm or the like.

  As a conventional detection technique, for example, a skimming device detection system disclosed in Japanese Patent Laid-Open No. 2008-225670 (Patent Document 1) has been proposed.

JP 2008-225670 A

  In the skimming device detection system described in Patent Document 1, since an ATM is photographed from outside, it is necessary to secure a camera mounting area outside the ATM. In addition, there is a possibility of malfunctioning with an object other than a foreign object such as a skimming device due to forgetting to take a user, card, statement slip, bankbook, or the like.

  The objective of this invention is providing the automatic transaction apparatus foreign material detection method and foreign material detection system which detect exactly foreign materials, such as a skimming apparatus, with a simple structure.

  In order to achieve the above-mentioned object, an information reading unit that takes in or returns a card-type recording medium having an information recording unit on which information for transaction is recorded, and reads information from the information recording unit of the card-type recording medium An automatic transaction apparatus having a storage unit disposed on the front surface of the automatic transaction apparatus and disposed near the recording medium transaction port, the recording medium transaction port that passes when the transport unit takes in or returns the card-type recording medium, In the vicinity of the recording medium transaction port on the front surface of the automatic transaction apparatus, the position where the information recording unit of the card type recording medium passes or the position where the information recording unit passes when the transport unit takes in or returns the card type recording medium. First detection means for including a vertical direction with respect to the card surface in a detection range, and foreign matter determination means for determining whether or not the object detected by the first detection means is a foreign matter.

  According to the present invention, it is possible to accurately detect foreign matter such as a skimming device with a simple configuration.

System configuration diagram of transaction system with ATM and host computer Block diagram showing internal structure of ATM Diagram showing the structure of the card section Example showing the operation of the card part, the arrangement of the foreign matter sensor, and the detection range Example showing the arrangement and detection range of foreign matter sensors The figure which shows the process of a foreign material determination means Processing flow chart showing the operation of ATM Processing flow chart showing the operation of ATM Image of screen displayed on ATM Processing flow chart showing the operation of ATM including condition change processing

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings. In the present embodiment, description will be made using ATM which is an automatic transaction apparatus installed in a financial institution or the like.

FIG. 1 is a configuration diagram of a transaction system including a host computer 2 connected to an ATM 1 and a communication line 3 according to the present embodiment.
FIG. 2 is a block diagram showing the internal configuration of ATM1.
Each component of this embodiment is demonstrated using FIG. 1, FIG.

  The ATM 1 displays an operation guidance to the user and detects an input by the user, a description input unit 12 that prints and issues a usage statement, and a banknote unit 13 that deposits and withdraws cash. , Communication with a card unit 14 (also referred to as a recording medium transaction unit) that handles a recording medium (for example, a card-type recording medium) that records information (for example, a user account number, personal information, etc.) A communication control unit 15 connected to the host computer 2 via the line 3, a customer sensor 5 (also referred to as second detection means) for detecting a user on the front surface of the ATM 1, and an insertion port of the card unit 14 on the front surface of the ATM 1. A foreign object sensor 4 (also referred to as a first detection means) for detecting a foreign object in the vicinity (also referred to as a card insertion slot 14a), a timer 6 for counting the time during which various sensors are detecting the object, A storage unit 7 for storing the setting values, and a control unit 20 for controlling these sites.

  The host computer 2 has a database for storing user account information, card validity / invalidity information, etc., and a function for responding to inquiries about these information from the ATM 1. A function for updating invalid information is provided.

  The foreign matter sensor 4 is attached to the customer service panel 1a of the ATM 1 so as to be positioned above and below the card insertion slot 14a (also referred to as a recording medium transaction slot), and detects an object near the card insertion slot 14a. The foreign matter sensor 4 detects, for example, a skimming device (also called a skimmer), gum, paper, a card, a user's hand, and the like.

  The card unit 14 includes a card insertion slot 14a for inserting a card, a conveyance roller 14e that is a conveyance unit that conveys the card, a conveyance motor 14h that drives the conveyance roller 14e, and a magnetic that is an information reading unit that reads information on the card. The head 14d, a card mouth sensor 14f (also referred to as third detection means) for detecting a transport state such as a card return state, the transport motor 14h, the card mouth sensor 14f, and the magnetic head 14d are controlled, and the upper control unit 20, a card control unit 14 j that communicates with 20. The foreign matter sensor 4, the card opening sensor 14f, and the customer sensor 5 use optical sensors that detect the presence or absence of an object when light is blocked.

  FIG. 3 shows the relationship between the structure of the card unit 14 and the foreign matter sensor 4 in detail. For the sake of explanation, the customer service panel 1a is omitted in FIGS. 3 (A) and 3 (B).

  3A is a perspective view of the card unit 14, FIG. 3B is a front view of the card unit 14, and FIG. 3C is a side view of the card unit 14.

  In addition to the configuration described with reference to FIG. 2, the card unit 14 is an information reading position where the card 61 is held when the magnetic head 14 d reads the magnetic information storage unit 62 (also referred to as an information recording unit) of the card 61. And a recording medium holding position that is a position for holding the card 61 protruding from the card insertion slot 14a.

  FIG. 4 is a diagram for explaining the operation of the card unit 14 when the card 61 is inserted. For the sake of explanation, the customer service panel 1a is omitted in the perspective and front views of FIGS.

  As shown in FIGS. 4A to 4D, the foreign matter sensor 4 has a configuration in which the front side in the horizontal direction of the card insertion opening 14a is set as a detection range, and the direction in which the card unit 14 takes in or returns the card 61 by the transport roller 14e. The front of the card insertion slot 14a is set as a detection range.

  When the card 61 is inserted by a user or the like within a certain distance in the inner direction (B direction) of the card portion 14 of ATM 1 (FIG. 4A), the card portion 14 is inserted by the card port sensor 14f. The card 61 is conveyed to the information reading position of the card unit 14 by the conveying roller 14e, and the information on the magnetic information storage unit 62 and the like recorded on the card 61 at the information reading position is transferred by the magnetic head 14d. Read (FIG. 4B). When the card 61 is returned after reading the information recorded on the card 61, the transport roller 14e transports the card 61 in the outer direction (F direction) of the card unit 14, and projects forward from the front surface of the ATM 1. (FIG. 4C). The card opening sensor 14f detects the presence or absence of the protruding card 61, and if the card 61 is no longer detected, the ATM 1 determines that the card 1 has been correctly returned to the user.

  FIG. 4D is a view showing a state where the skimming device 88 is attached to the customer service panel 1a not shown in the perspective view and the front view. Since the foreign object sensor 4 is arranged in the vicinity of the card insertion slot 14a so as to detect an object in the vicinity of the ATM 1 card insertion slot 14a, the skimming device 88 is attached to the customer service panel 1a as shown in FIG. In this case, the foreign matter sensor 4 can detect the skimming device 88.

  In the case of a skimming device that reads information on the card 61, it is installed in the vicinity of the card insertion slot 14a. Therefore, having the foreign matter sensor 4 for detecting an object in the vicinity of the card insertion slot 14a of ATM1 Effective for prevention.

  Furthermore, in the case of the contact-type skimming device 88 that contacts the magnetic information storage unit 62 of the card 61 and reads the information on the card 61, the contact-type skimming device 88 can be used when the card 61 is taken in or returned. Since a part of the card 61 needs to be installed at a position where the magnetic information storage unit 62 of the card 61 passes, the foreign matter sensor 4 is in the vicinity of the card insertion opening 14 on the front surface of the automatic transaction apparatus 1, and the conveyance roller 14 e is connected to the card 61. By including in the detection range the position through which the magnetic information storage unit 62 of the card 61 passes when taking in or returning, the contact skimming device can be accurately detected.

  FIG. 5 is a diagram in which the relationship between the card 61 of FIG. 4 and the detection range 4a of the foreign matter sensor 4 is changed. That is, the foreign matter sensor 4 is arranged so that the card 61 does not enter the detection range 4a of the foreign matter sensor 4 when a part of the card 61 comes out from the card insertion opening 14a. Even in this case, the detection range may include the vertical direction or the vertical direction with respect to the card surface at the position where the magnetic information storage unit 62 of the card 61 passes when the transport roller 14e takes in or returns the card 61. .

  In the ATM 1 including the card unit 14 having the recording medium holding position for projecting and holding the card 61 from the card insertion slot 14a, the card 61 is held at the recording medium holding position by adjusting the arrangement of the foreign matter sensor 4. If it is, the foreign object sensor 4 can be prevented from detecting the card 61.

  Further, when an IC chip or the like is used as the information recording unit of the card 61, a non-contact type skimming device or the like may be installed by a Service-to-Self. The non-contact type skimming apparatus can steal information from the information recording unit of the card 61 without directly contacting the information recording unit of the card 61. Therefore, when the conveyance roller 14e takes in or returns the card 61, the detection range includes the vertical direction or the vertical direction with respect to the card surface at the position where the IC chip of the card 61 passes. It becomes possible to detect accurately.

  6 shows whether or not the object detected by the foreign matter sensor 4 is a foreign matter such as a skimming device 88, gum, seal, paper or the like, or other than foreign matter such as a card 61 or a user's hand (also referred to as a recording medium). The foreign substance judgment process which judges whether or not is shown.

  FIG. 6A shows foreign matter determination processing using the customer sensor 5. When the customer sensor 5 detects a user (step S1001: Yes), the ATM 1 determines that the object is a recording medium (user's hand, card 61) or the like (step S1002). On the other hand, if the customer sensor 5 does not detect the user in step S1001 (step S1001: No), the ATM 1 determines that the object detected by the foreign matter sensor 4 is a foreign matter such as the skimming device 88 (step S1003: Yes). ).

  When the customer sensor 5 detects a customer, the foreign matter sensor 4 may detect the user's hand or the card 61 and can prevent erroneous detection based on the user's hand or the card 61. It becomes.

  FIG. 6B shows foreign matter determination processing using the card mouth sensor 14f. When the card opening sensor 14f detects the card 61 (step S2001: Yes), the ATM 1 determines that the object is a recording medium (user's hand, card 61) or the like (step S2002). On the other hand, if the card mouth sensor 14f does not detect the card 61 in step S2001 (step S2001: No), the ATM 1 determines that the object detected by the foreign matter sensor 4 is a foreign matter such as the skimming device 88 (step S2003). .

  When the card mouth sensor 14f detects a card, the foreign matter sensor 4 may detect the user's hand or the card 61, and may prevent erroneous detection based on the user's hand or the card 61. It becomes possible.

  FIG. 6C shows a foreign matter determination process using a predetermined time (foreign matter determination time) stored in the storage unit 7. The ATM 1 determines whether the time during which the foreign matter sensor 4 measured by the timer 6 is detecting the object is within the foreign matter judgment time (S3001). When the time when the foreign object sensor 4 detects the object is within the foreign object determination time (step S3001: Yes), the ATM 1 determines that the object is a recording medium (user's hand, card 61) or the like. On the other hand, if the time during which the foreign object sensor 4 detects the object is longer than the foreign object determination time in step S3001 (step S3001: No), the ATM 1 determines that the object is a foreign object such as the skimming device 88. Foreign matter such as the skimming device 88 is detected in the vicinity of the card insertion slot 14a for a long time (more than the foreign matter judgment time), but the recording medium (user's hand, card 61) etc. is temporarily detected (within the foreign matter judgment time). It is to be done.

  FIG. 6D shows a foreign object determination process using a card taking operation. The ATM 1 causes the card unit 14 to perform a card taking operation (step S4001), and determines whether or not the foreign matter sensor 4 has detected an object (step S4002). If the foreign object sensor 4 detects an object after the card taking operation (step S4002: Yes), the ATM 1 determines that the object is a recording medium (user's hand, card 61) or the like (step S4003). On the other hand, if the foreign object sensor 4 does not detect an object in step S4002 (step S4002: No), the ATM 1 determines that the object is a foreign object such as the skimming device 88 (step S4003). The foreign matter such as the skimming device 88 is detected by the foreign matter sensor 4 even if the card taking operation is performed, but the card 61 is not detected by the foreign matter sensor 4 by performing the card taking operation. Note that the determination in step S4002 may be performed based on the detection result of the card mouth sensor 14f instead of the foreign matter sensor 4.

  By having the foreign matter determination process, the ATM 1 can distinguish whether the object detected by the foreign matter sensor 4 is a foreign matter or a recording medium. For this reason, even when the card 61 is held by protruding the card 61 from the card insertion slot 14a, the foreign matter sensor 4 can be set as a detection range up to the very vicinity of the card insertion slot 14a. Accordingly, it is possible to prevent foreign matter or the like from being placed in the immediate vicinity of the card insertion slot 14a and to prevent the foreign matter sensor 4 from outputting an erroneous alarm / warning or the like due to detection of the user's hand or the card 61. Is possible.

  Further, as described above, in the case of the contact-type skimming device that reads the information on the card 61 by contacting the magnetic information storage unit 62 of the card 61, even if the contact-type skimming device is downsized, the card 61 is taken in or returned. At this time, it is necessary to install a part of the card 61 at a position where the magnetic information storage unit 62 passes, so the foreign matter sensor 4 is in the vicinity of the card insertion slot 14 on the front face of the automatic transaction apparatus 1 and the transport roller 14e is By making the detection range the position through which the magnetic information storage unit 62 of the card 61 passes when the card 61 is taken in or returned, the contact skimming device can be accurately detected and notified to a user or an attendant. It becomes possible.

  Furthermore, even when an IC chip or the like is used as the information recording unit of the card 61, the card surface at a position where the IC chip of the card 61 passes when the transport roller 14e takes in or returns the card 61. However, by including the vertical direction or the vertical direction in the detection range, a non-contact type skimming device can be accurately detected.

  Note that it is preferable to have the foreign matter determination process regardless of the arrangement of the foreign matter sensor 4. Even when the foreign object sensor 4 is arranged at a position where the card 61 in a protruding state is not detected, it is possible to detect a user's hand and the like and prevent erroneous determination as a foreign object. is there.

  7 and 8 show the processing flow of ATM 1 including the foreign matter determination processing. FIG. 9 is an image displayed on the display input unit 11 during the processing of FIGS. 7 and 8. The ATM1 process will be described with reference to FIGS.

  When the customer sensor 5 detects the user (step S1: Yes), the ATM 1 displays a transaction start screen 100 (FIG. 9) in which an input button for the user to select transaction contents is arranged on the display input unit 11. (Step S2). When the user presses any of the transaction content buttons 101 to 103, the ATM 1 detects the button press (step S3), and displays and inputs a card insertion guide screen 110 (FIG. 9) that explains how to insert the card 61. It is displayed on the part 11 (step S4). Note that the cancel button 111 on the card insertion guide screen 110 is pressed by the user when canceling the transaction selected on the transaction start screen 100. ATM1 detects that the cancel button 111 has been pressed. A start screen 100 is displayed on the display input unit 11.

  Next, when the user inserts the card 61 into the card insertion slot 14a in accordance with the card insertion guide screen 110 in step S4, the ATM 1 takes in and accepts the inserted card 61 (step S5). At this time, the foreign matter sensor 4 detects the card 61, a human hand, or the like as an object (step S6). The ATM 1 detects an object with the foreign matter sensor 4 and performs foreign matter determination processing (step S7).

  When the ATM 1 determines that the object detected by the foreign matter sensor 4 is the card 61 or the like (not a foreign matter or the like) (step S8: No), the magnetic head 14d reads the information recorded on the card 61 (step S9). The control unit 20, the card control unit 14j, or the communication control unit 15 communicates with the host computer 2 and transmits the information recorded on the card 61 to the host computer 2, and the host computer 2 receives the received card 61. Is compared with the information in the database of the host computer 2, the validity of the card 61 is judged, and the result is transmitted to the ATM 1 (step S10).

  On the other hand, when the ATM 1 determines in step S8 that the object detected by the foreign matter sensor 4 is not the card 61 or the like (is a foreign matter) (step S8: Yes), the control unit 20 temporarily places the ATM 1 in a transaction stopped state. It changes (step S16), and it controls to display on the display input part 11 the foreign material removal guidance screen 130 which requests the user to remove the foreign material (step S17). If the foreign object sensor 4 does not detect an object after step S17 (step S18: No), the ATM 1 determines that the foreign object has been removed, and reads information such as an account number recorded on the card (step S9). ). Even if the foreign object sensor 4 determines that the user's hand, card, or the like is a foreign object in step S8, the user is alerted by displaying the foreign object removal guidance screen 130 (step S17), etc. Remove cards. Thereafter, in step S18, by monitoring the detection of the object by the foreign matter sensor 4, it is possible to prevent an alarm sound output accompanying a false detection by the user's hand or a card.

  On the other hand, when the foreign object sensor 4 detects an object (an object determined to be a foreign object in step 8) in step S18 (step S18: Yes), ATM1 removes the object detected by the foreign object sensor 4. In addition, an alarm sound is output from a voice output unit (not shown), and the host computer 2 is notified that a foreign object is detected (step S19). If the recovery process by the removal of the foreign object by the attendant is completed (step S20), the process is terminated as a series of processes are completed.

  After the communication with the host computer in step S10, if the result of the validity determination of the card 61 is valid in step S11 (step S11: Yes), ATM1 executes the transaction process selected by the user in step S2 ( Step S12) and the process proceeds to Step S13. On the other hand, if the result of the validity determination of the card 61 is invalid in step S11 (step S11: No), the ATM 1 displays a card invalidity notification screen 120 (FIG. 9) on the display input unit 11 (step S15). If it is detected that the confirmation button 121 on the card invalidity notification screen 120 is pressed by the user, the process proceeds to step S13. In step S13, the card 61 received in step S5 is returned.

Next, the case where the customer sensor 5 does not detect the user in step S1 will be described. If the customer sensor 5 does not detect the user (step S1: No) and the foreign matter sensor 4 also does not detect the object (step S14: No), the ATM 1 terminates the process with no abnormality.
In step S14, when the foreign matter sensor 4 detects an object (step S14: Yes), the control unit 20 temporarily changes ATM1 to a transaction stop state (step S23), and displays the transaction stop screen 140 on the display input unit 11. Control is performed (step S24).

  When the ATM 1 performs the foreign matter determination process (step S25) and determines that it is a foreign matter (step S26: Yes), it means that the foreign matter such as the skimming device 88, gum, paper, etc. is attached, not forgetting to remove the card. Judgment is made and an alarm sound is output by an output unit (not shown) (step S30). In addition, the control unit 20 and the communication control unit 15 notify the host computer 2 that a foreign object is attached to the ATM 1 (step S31). If the recovery process by the removal of the foreign object by the attendant is completed (step S32), the process is terminated assuming that a series of processes is completed.

  On the other hand, if the ATM 1 determines in step 26 that the object detected by the foreign matter sensor 4 is a recording medium or the like (not a foreign matter or the like) (step S26: No), the voice guidance from the output unit (not shown), the display input unit 11 forgetting to remove the card 61 is displayed (step S27). Thereafter, when the foreign matter sensor 4 detects an object (an object determined to be a recording medium or the like in step S26) (step S28: Yes), the card unit 14 rotates the transport roller 14e to place the card 61 in the apparatus. Into. On the other hand, if the foreign object sensor 4 does not detect the card 61 in S28 (step S28: No), the processing is terminated as it is, assuming that the card 61 has been collected. Note that step S28 may be determined based on whether or not the card 61 is detected by the card mouth sensor 14f.

  The ATM 1 periodically carries out the processes of FIGS. 7 and 8 to prevent the forgotten card 61 from being stolen and the skimming device 88 from being installed.

  Further, the foreign object determination process performed in step S7 may be different from the foreign object determination process performed in step S25. Furthermore, the foreign matter determination process may be performed a plurality of times in each step (step S7, step S25).

  FIG. 10 shows a process for changing the foreign object determination time used in the foreign object determination process according to the customer detection state of the customer sensor 5 when the process of FIG. 6C is performed as the foreign object determination process. FIG. 10 differs from the process of FIG. 7 in that the foreign substance determination process includes a condition change process (step S21, step S22) for changing the condition for determining a foreign substance. The processing after step S14 is the same as that in FIG.

In FIG. 10, ATM1 makes the foreign object determination time when the customer sensor 5 detects the customer and the foreign object determination time when the customer sensor 5 does not detect the customer be different times. For example, the storage unit 7 of the ATM 1 stores two foreign object determination times when the customer sensor 5 is not detecting a customer and foreign object determination time when the customer sensor 5 is detecting a customer. The foreign object determination time when the customer sensor 5 has not detected the customer is stored as a shorter time than the foreign object determination time when the customer sensor 5 has detected the customer.
In the condition changing process (step S22), when the customer sensor 5 does not detect the customer, the customer stored in the storage unit 7 is detected as the foreign matter determination time used in step S3001 in FIG. 6C. The condition is changed so as to use the foreign matter judgment time when there is no foreign object. On the other hand, in the condition changing process (step S21), when the customer sensor 5 detects the customer, the customer stored in the storage unit 7 is detected as the foreign matter determination time used in step S3001 in FIG. The condition is changed so as to use the foreign object judgment time when

  When the customer sensor 5 has not detected the customer, the object detected by the foreign matter sensor 4 in the vicinity of the card insertion slot 14a is likely to be a foreign matter. To detect the foreign matter immediately, the ATM 1 determines the foreign matter. Set the time short. When the customer sensor 5 detects a customer, the foreign matter sensor 4 may detect a user's hand or a card, etc., and frequent foreign matter detection may hinder transactions. Set the foreign object judgment time longer.

  The ATM 1 periodically carries out the processes of FIGS. 10 and 8, thereby preventing the forgotten card 61 from being stolen and the skimming device 88 from being installed.

  Further, the foreign matter determination process performed in step S7 of FIG. 10 may be different from the foreign matter determination process performed in step S25. For example, the foreign matter determination process of FIG. 6A or 6B may be performed in step S7, and the foreign matter determination process of FIG. 6D may be performed in step S25.

  Further, in the case where the foreign substance determination process of FIG. 6D is performed in step S7, since the card is accepted in step S5 of FIG. 10, the card taking operation of step S4001 of FIG. 6D is performed. The determination in step S4002 may be made without doing so. Furthermore, the foreign matter determination process may be performed only in either step S7 or step S25.

  Furthermore, the foreign matter determination process may be performed a plurality of times in each step (step S7, step S25).

  As described above, the present invention is not limited by the above-described embodiment, and has the first detection means that is disposed in the vicinity of the recording medium transaction port and detects an object in the vicinity of the recording medium transaction port in front of the automatic transaction apparatus. As long as it can detect foreign matter such as a skimming device. This is because there are fewer obstacles compared to detecting foreign matter from the outside of the apparatus, and it is possible to find foreign matter appropriately.

  Moreover, what is necessary is just to have the foreign material determination means which determines whether the object detected by the 1st detection means is a foreign material. The first detection means detects both objects that should not be handled as foreign objects such as user's hands and recording media and objects that should be handled as foreign objects such as skimming devices. Appropriate warnings and notifications to employees, staff, and host computers are possible. The first detection means is in the vicinity of the recording medium transaction port, and the detection range includes the position where the information recording unit of the card type recording medium passes when the conveying unit takes in or returns the card type recording medium, It is possible to accurately detect a contact skimming device or the like. Further, by including in the detection range the direction perpendicular to the card surface at the position where the information recording unit passes, it becomes possible to accurately detect a non-contact type skimming device or the like.

  The first detecting means is an extension line in the direction in which the recording medium transaction unit accepts or returns the card type recording medium or the conveyance unit takes in or returns the card type recording medium, and the front side of the automatic transaction apparatus is It is good also as a detection range. Further, the first detection means may use a portion protruding from the recording medium transaction port of the card type recording medium held at the recording medium holding position as a detection range. This is a range in which the card-type recording medium or the user's hand is detected when accepting or returning the card-type recording medium. It becomes possible to detect.

  In addition, a second detection unit that detects a user on the front of the automatic transaction apparatus is provided, and the foreign matter determination unit is configured such that the object detected by the first detection unit is a foreign matter according to the detection result of the second detection unit. It may be determined whether or not there is. Specifically, when the second detection unit does not detect the user, the foreign matter determination unit determines that the object detected by the first detection unit is a foreign matter, or the second detection unit uses the object. When the person is detected, the foreign matter determination means may determine that the object detected by the first detection means is not a foreign matter. It is possible to prevent erroneous detection of things other than a foreign object such as a user's hand or a card that occurs when the user is present.

  The first detection means includes a timer that measures the time during which the object is detected, and the foreign matter determination means determines whether the object is a foreign matter based on whether or not the time measured by the timer exceeds a predetermined time. May be judged. It is possible to prevent erroneous detection of things other than foreign objects such as the user's hand and card, and it is possible to prevent a malicious person from attaching a skimming device or the like.

  Moreover, the 2nd detection means which detects the user in front of an automatic transaction apparatus may be provided, and foreign substance determination time may be changed according to the detection result of a 2nd detection means. In particular, when the user is not in front of the automatic transaction apparatus, the automatic transaction apparatus may set the foreign object determination time short. If the first detection means detects an object in the vicinity of the trading opening in spite of the absence of a user, there is a high possibility that it is a foreign object attached by a malicious person, and such a foreign object may be detected immediately. It becomes possible. On the other hand, when the user is in front of the automatic transaction apparatus, the automatic transaction apparatus may set the foreign object determination time longer. When there is a user, the first detection means also detects the user's hand, card, etc., so it is possible to prevent erroneous detection of the user's hand, card, etc. as a foreign object.

  Further, the recording medium transaction unit or the automatic transaction apparatus includes a third detection unit that detects the recording medium at the recording medium holding position, and the foreign matter determination unit detects the object by the first detection unit, If the three detection means do not detect the object, the object may be determined to be a foreign object. When the object detected by the first detection means is a card type recording medium, the third detection means also detects the card type recording medium, but when the object detected by the first detection means is not a card type recording medium, This is because the third detection means for detecting the inside of the recording medium transaction unit does not detect an object.

  In addition, the foreign matter determination means performs the first detection after operating the conveying means in the direction of conveying the card type recording medium from the recording medium holding position to the information reading position when the first detecting means detects an object. When the means detects an object, the object may be determined as a foreign object. If the object is a card type recording medium, the card type recording medium is taken into the recording medium transaction unit by operating the conveying means in the direction of conveying the card type recording medium from the recording medium holding position to the information reading position. This is because no object is detected.

  Further, by combining a plurality of foreign matter determination processes, it is possible to find foreign matter more effectively.

  Moreover, although the automatic transaction apparatus used in a financial institution etc. was demonstrated, if it is an automatic transaction apparatus which has a function which inserts a card type recording medium and reads information, such as a ticket machine of a station which can pay with a credit card Good.

Further, the skimming device often sandwiches the card transaction port in the up-down direction or the left-right direction and covers the entire card transaction port, and the detected foreign matter depends on which detection means of the first detection means detects the object. It may be determined by distinguishing whether a skimming device, a gum, a seal or the like.
That is, when only the upper or lower first detection means detects an object, it is determined that it is not a skimming device, and when both the upper and lower first detection means detect an object, to decide. By determining whether or not the foreign object is a skimming device and notifying the result of the determination to the host computer, the staff can determine the urgency of the response.

  Also, in the arrangement of the first detection means, one is arranged above and below the card transaction slot in this embodiment, but it may be arranged on the left and right sides of the card transaction slot. Furthermore, even if it arrange | positions only 1 piece or 2 pieces or more, what is necessary is just a structure which can detect the foreign material around a card transaction port part.

DESCRIPTION OF SYMBOLS 1 ... ATM, 1a ... Customer service panel of ATM, 2 ... Host computer, 3 ... Communication line, 4 ... Foreign matter sensor, 4a ... Detection range of foreign matter sensor, 5 ... Customer sensor, 6 ... timer, 7 ... storage unit 11 ... display input unit, 12 ... statement issuing unit, 13 ... banknote unit, 14 ... card unit, 14a ... Card insertion slot, 14d: magnetic head, 14e: transport roller, 14f: card slot sensor, 14h: transport motor, 14j: card control unit, 15: communication control unit, 61 ... Card, 62 ... Magnetic information storage unit, 88 ... Skimming device, 100 ... Transaction start screen, 110 ... Card insertion guidance screen, 120 ... Card invalidity notification screen, 130 ... -Foreign matter removal guidance screen, 140 ... Transaction stop screen

Claims (9)

An automatic transaction apparatus having a conveyance unit for taking in or returning a card-type recording medium having an information recording unit on which information for transaction is recorded, and an information reading unit for reading information from the information recording unit of the card-type recording medium There,
A recording medium transaction port that is disposed in front of the automatic transaction apparatus and that passes when the transport unit takes in or returns a card-type recording medium;
Information is recorded in the card-type recording medium when the transport unit takes in or returns the card-type recording medium, which is arranged in the vicinity of the recording-medium transaction port and in the vicinity of the recording medium transaction port in front of the automatic transaction apparatus. A first detection means that includes in the detection range a vertical direction with respect to a card surface at a position at which the section passes or a position at which the information recording section passes;
An automatic transaction apparatus comprising: a foreign matter judging means for judging whether or not the object detected by the first detecting means is a foreign matter. The automatic transaction apparatus according to claim 1,
A recording medium holding position for holding the card-type recording medium protruding from the recording medium transaction port;
The automatic transaction apparatus according to claim 1, wherein the first detection means uses a portion protruding from the recording medium transaction port of the card type recording medium held at the recording medium holding position as a detection range. The automatic transaction apparatus according to claim 1 or 2,
A second detecting means for detecting a user on the front of the automatic transaction apparatus;
The automatic transaction apparatus according to claim 1, wherein when the second detection unit does not detect a user, the recording medium determination unit determines that the object detected by the first detection unit is a foreign object. The automatic transaction apparatus according to any one of claims 1 to 3,
A timer for measuring the time for detecting the object by the first detection means;
The automatic transaction apparatus, wherein the foreign matter determining means determines that the object is a foreign object when the time measured by the timer exceeds a predetermined time. The automatic transaction apparatus according to claim 4,
A second detecting means for detecting a user on the front of the automatic transaction apparatus;
The automatic transaction apparatus, wherein the predetermined time is changed according to a detection result of the second detection means. The automatic transaction apparatus according to claim 5,
The automatic transaction apparatus, wherein the predetermined time is shorter when the second detection means detects the user than when the second detection means does not detect the user. The automatic transaction apparatus according to claim 1 or 2,
A third detection means for detecting a card-type recording medium held at the recording medium holding position inside the automatic transaction apparatus;
The automatic transaction apparatus, wherein the foreign matter determining means determines that the object is a foreign object when the first detecting means detects an object and the third detecting means does not detect the object. The automatic transaction apparatus according to claim 1 or 2,
When the first detection unit detects the object, the foreign detection unit detects the object after operating the transport unit in the direction of taking in the card-type recording medium when the first detection unit detects the object. An automatic transaction apparatus, wherein the object is determined as a foreign object. The automatic transaction apparatus according to any one of claims 1 to 8,
An automatic transaction apparatus comprising: a notification unit that notifies that a foreign object is attached when the foreign object determining unit determines that the object is a foreign object.

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