JP2012103822A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To surely prevent occurrence of a dishonest act such as card skimming or the like by disposing a sensor capable of detecting detachment of a card insertion port member to detect that the card insertion port member is detached.SOLUTION: An automatic transaction device for a transaction performed by a user operation comprises: a card insertion port member 16 having a card insertion port 16a into which a card of the user is inserted; input means into which a user inputs a code number for personal authentication; a housing to which the card insertion port member 16 is detachably attached; a sensor which can detect that the card insertion port member 16 is detached from the housing; and a control section for controlling an operation of the automatic transaction device, and the control section disables the automatic transaction device from being operated when the sensor detects that the card insertion port member 16 is detached from the housing.

Description

  The present invention relates to an automatic transaction apparatus.

  Conventionally, automatic transaction machines such as ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) are installed at branches of financial institutions such as banks, credit unions, post offices, etc. ing. And a user operates the said automatic transaction apparatus by himself and performs financial transactions, such as payment, withdrawal, transfer, and transfer. In this case, the user inserts his / her cash card into a card insertion slot that opens on the front surface of the housing of the automatic transaction apparatus, and further has a touch sensor type keyboard panel that has an input function. The personal authentication is performed by operating the numeric keypad displayed on the attached display device and inputting the password.

  However, in recent years, the card insertion slot etc. has been crafted to illegally acquire the magnetic data recorded on the magnetic stripe of the cash card inserted by the user, or illegally acquire the cash card itself inserted by the user For example, fraudulent acts of impersonating a user and withdrawing money from the user's account have frequently occurred.

  Therefore, in order to prevent such an illegal act, the card insertion slot member formed with the card insertion slot is formed of a transparent material separately from the casing of the automatic transaction apparatus, and the card insertion slot member Has been proposed (see Patent Document 1, for example). Thereby, the inside of a transparent card insertion slot member can be visually recognized from the outside, and the work performed in the card insertion slot etc. can be discovered.

  In addition, a card insertion slot was formed in order to change the shape, color, etc. of the plate member around the card insertion slot, so-called escutcheon, according to the request of a financial institution or the like. A card insertion slot member is formed separately from the casing of the automatic transaction apparatus and is detachably attached to the front face of the casing.

  FIG. 2 is a perspective view showing a conventional automatic transaction apparatus.

  In the figure, reference numeral 10 denotes an automatic transaction apparatus having a housing 11, and a front panel 12 facing the user is disposed on the front surface of the housing 11. And the banknote depositing / withdrawing unit which can throw in or take out many banknotes to be deposited, transferred, transferred or banknotes to be dispensed is mounted inside the housing 11. In addition, on the horizontal surface of the front panel 12, a deposit / withdrawal port 31 for a user to insert or remove banknotes is provided.

  Furthermore, a display unit 15 including a touch panel is disposed on the horizontal surface of the front panel 12. The display unit 15 also has a function as an input means, displays an operation procedure and other information on the screen by illustrations, characters or words, guides the user, and accepts a personal identification number, amount, account number, and transaction approval. Display keys corresponding to confirmation, cancellation, etc. When the displayed key is pressed, a sensor on the touch panel detects the press and transmits a signal corresponding to a control unit (not shown). Thereby, a so-called key input operation is performed.

  Also, on the vertical surface of the front panel 12, a card insertion port 16a of a card reader / writer for handling a cash card in which a personal identification number and an account number are recorded is disposed, and a user inserts his / her cash card into the card. The personal authentication is performed by inserting the password into the mouth 16a and operating the numeric keypad displayed on the display unit 15 having an input function including a touch sensor type keyboard panel.

  Here, the cash card is a card for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. issued to users who are customers of financial institutions, and the user's name, account number, A magnetic stripe for storing information such as a personal identification number and customer ID is provided. The member for storing the information may be an IC embedded in a cash card instead of the magnetic stripe. In the card reader / writer, a transport device for transporting the cash card, and a recording head such as a magnetic head for reading, overwriting, erasing information stored in the magnetic stripe of the cash card or in the IC Is disposed.

The card insertion slot member 16 in which the card insertion slot 16a is formed is a member formed separately from the casing 11 and its front panel 12, and is detachably attached to the front panel 12. Thereby, the card insertion slot member 16 can be changed according to the request of a financial institution or the like. In addition, the request | requirement of the said financial institution is a thing like the following (1)-(3), for example.
(1) The escutcheon around the card insertion slot 16a is set to a desired color.
(2) Making the escutcheon around the card insertion slot 16a transparent (a light source such as an LED (Light Emitting Diode) is disposed in the inside of the card insertion slot 16a so that the escutcheon emits light to assist the operation guidance).
(3) In order to make it difficult to attach a device used for card skimming that illegally obtains magnetic data recorded on the magnetic stripe of the cash card, the escutcheon around the card insertion slot 16a is made uneven.

  Moreover, the card insertion slot member 16 is formed as a separate member, and can be detachably attached to the front panel 12 to meet the demands as described in the above (1) to (3) by minimum member replacement. And other parts can be shared, so that an increase in cost can be avoided.

JP 2004-094482 A

  However, in the conventional automatic transaction apparatus 10, there is a possibility that the card insertion slot member 16 is removed and a device used for card skimming may be attached to the inside of the housing 11. There was a problem that could not be prevented.

  The present invention solves the problems of the conventional automatic transaction apparatus, and detects that the card insertion slot member has been removed by arranging a sensor capable of detecting that the card insertion slot member has been removed. It is another object of the present invention to provide an automatic transaction apparatus that can reliably prevent an illegal act such as card skimming.

  Therefore, in the automatic transaction apparatus of the present invention, an automatic transaction apparatus that is operated by a user to perform a transaction, and a card insertion slot member in which a card insertion slot into which the user's card is inserted is formed, The input means for inputting a personal identification number for the user to authenticate the user, a case to which the card insertion slot member is detachably attached, and the card insertion slot member being removed from the casing. A sensor that can be detected; and a control unit that controls the operation of the automatic transaction apparatus. The control unit detects that the card insertion port member has been removed from the housing when the sensor detects that the card insertion port member has been removed. Make the transaction device inoperable.

  In another automatic transaction apparatus of the present invention, the housing further includes a front panel to which the card insertion slot member and a sensor are attached.

  In still another automatic transaction apparatus of the present invention, the sensor is a micro switch, and the control unit is configured to remove the card insertion slot member from the housing based on a state of the micro switch. To detect.

  In still another automatic transaction apparatus of the present invention, the sensor is a cable that connects the card insertion slot member and a housing, and the control unit determines whether the card insertion slot member is based on the state of the cable. Detecting removal from the housing.

  In still another automatic transaction apparatus of the present invention, the control unit further generates an alarm when the sensor detects that the card insertion slot member has been removed from the housing.

  According to the present invention, in the automatic transaction apparatus, the sensor capable of detecting that the card insertion slot member has been removed is disposed. Thereby, since it can detect that the card insertion port member was removed, generation | occurrence | production of fraudulent acts, such as card skimming, can be prevented reliably.

It is a principal part expanded sectional side view which shows the attachment state of the card insertion port member of the automatic transaction apparatus in embodiment of this invention. It is a perspective view which shows the conventional automatic transaction apparatus. It is a flowchart which shows operation | movement of the card insertion port removal detection process of the automatic transaction apparatus in embodiment of this invention.

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

  FIG. 1 is an enlarged cross-sectional side view of a main part showing a mounting state of a card insertion slot member of an automatic transaction apparatus according to an embodiment of the present invention.

  In the figure, 16 is a card insertion slot member of the automatic transaction apparatus 10 in the present embodiment, and a card insertion slot 16a for a user to insert a card such as a cash card is formed.

  In addition, since the basic structure of the automatic transaction apparatus 10 in this Embodiment is the same as that of the structure of the conventional automatic transaction apparatus 10 demonstrated in the term of "background art", the description is used. Moreover, also about each part of the automatic transaction apparatus 10 in this Embodiment, the same code | symbol is provided about the same thing as the conventional automatic transaction apparatus 10, and description is abbreviate | omitted.

  The automatic transaction apparatus 10 is disposed at a branch of a financial institution such as a bank, a credit union, a post office, etc., and is operated by a user himself / herself, depositing / withdrawing, passbook entry, balance inquiry, transfer, transfer, It is a device for remittance transactions, that is, financial transactions, such as convenience stores, supermarkets, store stores such as department stores, underground malls, station premises, city halls, public facilities such as hospitals, factories, offices, etc. It may be arranged outside a private company, a parking lot, a roadside, etc.

  In addition, the automatic transaction apparatus 10 is not necessarily limited to an apparatus for performing a financial transaction. For example, an unmanned contract terminal or a ticket that is operated by itself to perform a loan contract such as an unsecured loan or a card loan. Shopping terminals for making reservations and applying for product purchases, vending machines that sell tobacco and beverages, POS (Point of Sales) terminals for paying the price at store cash registers, station premises, etc. It may be a ticket vending machine for issuing a ticket for an installed railway, a ticket issuing machine for issuing a boarding pass for an aircraft installed in an airport, or the like. Here, for convenience of explanation, only the case where the automatic transaction apparatus 10 is an automatic transaction apparatus such as an ATM or a CD that performs financial transactions will be described.

  The automatic transaction apparatus 10 includes a calculation unit such as a CPU and an MPU, a storage unit such as a semiconductor memory and a magnetic disk, a communication unit, and the like, and includes a control unit (not shown) that comprehensively controls the operation of the automatic transaction apparatus 10. . Further, the automatic transaction apparatus 10 is communicably connected to a host computer of the financial institution as an accounting system host apparatus (not shown) and performs a financial transaction.

  In the present embodiment, a panel opening 12a is formed in the front panel 12 of the casing 11 of the automatic transaction apparatus 10 as shown in the figure, and a card insertion slot member 16 is detachably attached to the panel opening 12a. It has been. In the figure, the right side of the front panel 12 is the inside of the housing 11, and the left side of the front panel 12 is the outside of the housing 11.

  The card insertion slot member 16 is formed with a card slot 16b which is a slot-like through-hole extending in the plate thickness direction (lateral direction in the figure) of the front panel 12. The card slot 16b is a part of a card transport path that communicates with a card reader / writer (not shown) disposed inside the housing 11 (on the right side of the card insertion port member 16 in the figure), and the left end of the card slot 16b is the user. Is a card insertion slot 16a which is a slit-like opening for inserting a card. It is desirable that the card reader / writer can handle other types of cards such as cash cards, credit cards, and debit cards issued by other financial institutions.

  In the example shown in the figure, the card insertion slot member 16 is attached to the front panel 12 from the inside of the casing 11, and the front portion 16c corresponding to the escutcheon around the card insertion slot 16a is connected to the casing 11 from the panel opening 12a. It is exposed outside. Also, a flange portion 16d extending outward in the vertical direction is formed at the rear end (right end in the figure) of the card insertion port member 16, and the front surface of the flange portion 16d is the panel opening on the back surface of the front panel 12. 12a is opposed to the periphery.

  In the present embodiment, a sensor capable of detecting that the card insertion slot member 16 has been removed from the front panel 12 is provided. In the present embodiment, a microswitch 13 is used as the sensor, and the microswitch 13 is attached to the periphery of the panel opening 12a on the back surface of the front panel 12 as shown in the figure. The micro switch 13 includes a cantilever-like movable lever 13a and a plunger 13b, and the state is switched from ON to OFF by the operation of the movable lever 13a and the plunger 13b.

  Specifically, as shown in the figure, the flange portion 16d of the card insertion port member 16 contacts the movable lever 13a and the plunger 13b, and presses the movable lever 13a and the plunger 13b toward the main body of the micro switch 13. Sometimes, the micro switch 13 is turned on, and the micro switch 13 is turned off when the flange portion 16d of the card insertion port member 16 is detached from the movable lever 13a and the plunger 13b.

  The signal line of the micro switch 13 is connected to the control unit of the automatic transaction apparatus 10. Thereby, the control unit can detect the output signal of the micro switch 13 and determine whether the micro switch 13 is ON or OFF, and the card insertion slot member 16 is removed from the front panel 12. Can be detected.

  In the example shown in the figure, the microswitch 13 is attached to the front panel 12, but the microswitch 13 may be attached to a part other than the front panel 12. Further, any sensor other than the micro switch 13 may be used as long as it can detect that the card insertion slot member 16 has been removed from the front panel 12, and any type of sensor can be used.

  Since the other points are the same as those of the conventional automatic transaction apparatus 10 described in the section “Background Art”, the description thereof is omitted.

  Next, operation | movement of the automatic transaction apparatus 10 in this Embodiment is demonstrated. Here, a description of operations when performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. is omitted, and a card insertion slot for detecting that the card insertion slot member 16 has been removed from the front panel 12. The operation of the removal detection process will be described.

  FIG. 3 is a flowchart showing the operation of the card insertion slot removal detection process of the automatic transaction apparatus according to the embodiment of the present invention.

  In the present embodiment, the control unit of the automatic transaction apparatus 10 constantly monitors the microswitch 13 and detects that the card insertion slot member 16 has been removed from the front panel 12 based on the state of the microswitch 13. .

  Specifically, the control unit detects an output signal of the micro switch 13 and determines whether or not the micro switch 13 is in the “ON state”, that is, the card insertion slot member 16 is attached to the front panel 12. It is determined whether or not the current state is indicated.

  When the microswitch 13 is in the “ON state”, the card insertion slot member 16 is attached to the front panel 12, so that the control unit determines whether the microswitch 13 is in the “ON state”. The determination of whether or not is continuously repeated, and the monitoring of the microswitch 13 is continued.

  Further, when the microswitch 13 is not in the “ON state”, that is, when the microswitch 13 is in the “OFF state”, the card insertion slot member 16 has been removed from the front panel 12, so that the control The department stops handling the automatic transaction apparatus 10. That is, all operations including execution of transactions such as financial transactions by the automatic transaction apparatus 10 are stopped, and the automatic transaction apparatus 10 is set in an inoperable state.

Next, a flowchart will be described.
Step S1: It is determined whether or not the micro switch 13 is in the “ON state”. If it is “ON state”, the determination of whether it is “ON state” is continuously repeated. If it is not “ON state”, the process proceeds to step S2.
Step S2 The handling of the automatic transaction apparatus 10 is stopped.

  Thus, the automatic transaction apparatus 10 in this Embodiment has the microswitch 13 which is a sensor which can detect that the card insertion slot member 16 was removed. Specifically, the microswitch 13 is disposed on the front panel 12 of the housing 11, and the controller inserts the card insertion port member 16 based on the state of the microswitch 13 obtained from the output signal of the microswitch 13. It is detected that the front panel 12 is removed. And when the card insertion slot member 16 is removed from the front panel 12, a control part stops the handling of the automatic transaction apparatus 10. FIG. Thereby, since the automatic transaction apparatus 10 becomes inoperable, it is possible to surely prevent an illegal act such as card skimming.

  In the present embodiment, the microswitch 13 is used as a sensor capable of detecting that the card insertion slot member 16 has been removed, and the card insertion slot member 16 is connected to the front panel 12 based on the state of the microswitch 13. Only the example of detecting the removal from has been described. However, a cable connecting the card insertion slot member 16 and the front panel 12 of the housing 11 is provided as the sensor, and the card insertion slot member 16 is moved to the front side based on the state of the cable, that is, when the cable is disconnected. You may make it detect having removed from the panel 12. FIG.

  Further, if the control unit is driven by power storage means such as a battery, the card insertion slot member 16 is removed from the front panel 12 even when the automatic transaction apparatus 10 is powered off. Can be detected.

  Further, in the present embodiment, only the example in which the handling of the automatic transaction apparatus 10 is stopped when it is detected that the card insertion slot member 16 is removed from the front panel 12 has been described. However, in addition to canceling the handling of the automatic transaction apparatus 10, if it is detected that the card insertion slot member 16 is removed from the front panel 12, an alarm sound is generated as an alarm, or a management department such as a monitoring center. By notifying an alarm, it is possible to call attention to other users, employees of financial institutions, security guards, etc. in the vicinity of the automatic transaction apparatus 10.

  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.

  The present invention can be applied to an automatic transaction apparatus.

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 11 Case 12 Front panel 13 Micro switch 15 Display part 16 Card insertion slot member 16a Card insertion slot

Claims (5)

(A) An automatic transaction apparatus that is operated by a user to perform transactions,
(B) a card insertion slot member formed with a card insertion slot into which the user's card is inserted;
(C) an input means for inputting a personal identification number for the user to perform personal authentication;
(D) a housing to which the card insertion slot member is detachably attached;
(E) a sensor capable of detecting that the card insertion slot member has been removed from the housing;
(F) a control unit that controls the operation of the automatic transaction apparatus;
(G) The control unit disables the operation of the automatic transaction apparatus when the sensor detects that the card slot member is removed from the housing. The automatic transaction apparatus according to claim 1, wherein the housing includes a front panel to which the card insertion slot member and a sensor are attached. The automatic transaction apparatus according to claim 1, wherein the sensor is a micro switch, and the control unit detects that the card insertion slot member has been removed from the housing based on a state of the micro switch. 2. The sensor is a cable connecting the card insertion slot member and a casing, and the control unit detects that the card insertion slot member has been removed from the casing based on a state of the cable. Or the automatic transaction apparatus of 2. The said control part is an automatic transaction apparatus of any one of Claims 1-4 which will generate | occur | produce an alarm, if the said sensor detects that the said card insertion port member was removed from the said housing | casing.

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