JP2019215925A - Automatic transaction device - Google Patents

Abstract

To enable information to be provided for a customer who wants to use a card issued abroad in a case where the card issued abroad is inserted.SOLUTION: An automatic transaction device of the present invention includes first magnetic detection means that detects a first magnetic stripe of a card, second magnetic detection means that detects a second magnetic stripe of the card, and a screen output unit. The first magnetic detection means detects a magnetic stripe on the upper surface of the card input to an input port. The second magnetic detection means detects a magnetic stripe on the lower surface of the card input to the input port. In a case where only the second magnetic detection means between the first magnetic detection means and the second magnetic detection means detects a magnetic stripe, the screen output unit outputs message information indicating that a transaction is not permitted in languages including a foreign language.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an automatic transaction device, and can be applied to, for example, an automatic transaction device installed in a financial institution such as a bank, a station, an airport, a convenience store, or the like.

  For example, cash cards and credit cards are used in automatic teller machines (hereinafter, ATM: Automatic Teller Machine). Magnetic stripes are widely used in the world as a technology for recognizing cash cards and credit cards.

  In recent years, a contact type or non-contact type recognition technology having a built-in IC chip has also appeared, but many cards provided with a magnetic stripe are still used. The magnetic stripe standards in Japan include "JIS-I type" and "JIS-II type", which are equivalent to the international standard ISO / IEC of the International Standards Organization (ISO).

  Many cards issued by foreign financial institutions and card companies (hereinafter also referred to as "foreign issued cards") are provided with a so-called "JIS-I type" magnetic stripe and issued by Japanese financial institutions and card companies. Most of the cards (hereinafter, also referred to as “domestic issued cards”) are provided with “JIS-II type” magnetic stripes.

  The conventional ATM simply returns the card when it is determined from the information of the magnetic stripe of the inserted card that the card is not a normal one (see Patent Document 1).

JP 2012-133676 A

  However, if a foreign-issued card is inserted into a domestic ATM by mistake, it will only be returned as a non-purpose card, and the customer who inserts the foreign-issued card will not be able to provide information so that the situation can be recognized. Problems can arise.

  Therefore, there is a need for an automatic transaction apparatus that can provide information to a customer who inserts a foreign issued card even when a foreign issued card is inserted.

  In order to solve such a problem, an automatic transaction apparatus according to the present invention includes a first magnetic detecting unit that detects a first magnetic stripe of a card, a second magnetic detecting unit that detects a second magnetic stripe of a card, and a screen. An output unit, wherein the first magnetic detecting means detects a magnetic stripe on the upper surface of the card inserted into the insertion slot, and the second magnetic detecting means detects the magnetic stripe on the lower surface of the card inserted into the insertion slot. The screen output unit detects message stripes when only the second magnetic detection unit of the first magnetic detection unit and the second magnetic detection unit detects a magnetic stripe. And output in a language including a foreign language.

  According to the present invention, even when a foreign issued card is inserted, information can be provided to a customer who inserts a foreign issued card.

It is a lineblock diagram showing the appearance composition of the automatic transaction device concerning an embodiment. It is a lineblock diagram showing the internal composition of automatic transaction device 10 concerning an embodiment. FIG. 3 is a configuration diagram illustrating a configuration of a card processing unit 40 according to the embodiment. 9 is a flowchart illustrating an operation of a card determination process according to the embodiment. It is an explanatory view explaining a customer guidance screen concerning an embodiment.

(A) Main Embodiment Hereinafter, an embodiment of an automatic transaction apparatus according to the present invention will be described in detail with reference to the drawings.

  This embodiment exemplifies a case where the present invention is applied to an ATM installed at a branch, a station, an airport, a convenience store, or the like of a financial institution.

(A-1) Configuration of Embodiment FIG. 1 is a configuration diagram illustrating an external configuration of an automatic transaction apparatus according to an embodiment.

  In FIG. 1, the automatic transaction apparatus 10 according to the embodiment includes a housing 11, a card slot 12, a passbook slot 13, a bill slot 14, a coin slot 15, and an operation display unit 16.

  Inside the housing 11, various mechanisms and a control system configuration mounted on the automatic transaction apparatus 10 are incorporated.

  The card entrance 12 is a part for inserting or discharging a cash card or a credit card as a transaction card.

  The automatic transaction apparatus 10 of this embodiment is an example of a domestic ATM. Therefore, the case where the transaction card that the automatic transaction apparatus 10 can handle is a financial card with a magnetic stripe (cash card, credit card) or a financial card with a built-in IC chip is exemplified.

  The passbook entrance 13 is a part for inserting or discharging a passbook. The bill inlet / outlet 14 is a part for receiving or discharging bills, and the coin inlet / outlet 15 is a part for receiving or discharging coins. The operation display unit 16 is a display with a touch panel, and displays a screen according to the progress of the transaction. The customer can proceed with the transaction by touching a desired button (for example, a button on which a desired transaction is drawn).

  FIG. 2 is a configuration diagram illustrating an internal configuration of the automatic transaction apparatus 10 according to the embodiment.

  2, the automatic transaction apparatus 10 according to the embodiment mainly includes a control unit 100, an operation display unit 16, and a card processing unit 400.

  The control unit 100 controls the functions of the automatic transaction apparatus 10. Although the hardware of the control unit 100 is not shown, the control unit 100 includes, for example, a CPU, a ROM, a RAM, an EEPROM, and an input / output interface unit. The CPU realizes the functions of the automatic transaction apparatus 10 by executing a processing program (for example, a card determination processing program or the like) stored in the ROM. The functions of the automatic transaction device 10 may be configured by installing the processing program in the automatic transaction device 10.

  The control unit 100 according to the embodiment mainly includes a transaction processing unit 110 and a card determination unit 120.

  The transaction processing unit 110 performs transaction processing of a type that can be transacted in the automatic transaction apparatus 10. For example, the transaction processing unit 110 performs transaction processing such as a deposit transaction, a withdrawal transaction, and a transfer transaction.

  The card determination unit 120 determines whether the card inserted into the card processing unit 40 is a transaction card. When the inserted card is not a transaction card, the card determination unit 120 outputs information on the automatic transaction device 10 that can handle the inserted card to the operation display unit 16. The detailed description of the card determination unit 120 will be described in detail in the operation section.

  The card processing unit 40 performs a card recognition process based on the information read from the magnetic stripe and the IC chip of the card inserted from the card entrance 12 and sends the information read from the magnetic stripe and the IC chip to the control unit 100. Is to give.

  FIG. 3 is a configuration diagram illustrating a configuration of the card processing unit 40 according to the embodiment.

  3, the card processing unit 40 according to the embodiment includes a conveyance path 401, a conveyance roller 402, an insertion detection sensor 403, a first magnetic sensor 406, a second magnetic sensor 407, an emboss reading unit 410, It includes an IC reading unit 414 and a storage box 416 that has been forgotten. In the card processing unit 40, a sensor for detecting the transportation status (for example, the position of a transaction cash card) is also provided.

  The transport path 401 is a path for transporting the inserted card 1, and connects the card entrance 12 and the forgotten storage 416.

  A plurality of transport rollers 402 are provided at intervals on the transport path 401 and are driven by a roller driving device (not shown). Thus, the transport roller 402 transports the card 1 in the transport path 401 to the forgotten storage 416 and the card entrance 12 side. That is, the card 1 inserted into the card entrance 12 in the direction of arrow A is introduced into the transport path 401 by the transport rollers 402. Thereafter, the inserted card 1 is transported in the transport path 401 by the transport roller 402, and is finally returned to the customer through the card entrance 12 or discharged to the forgotten storage 416 in the direction of arrow C. Is done.

  The insertion detection sensor 403 detects the card 1 guided to the transport path 401. When detecting the card 1, the insertion detection sensor 403 outputs detection information to that effect to the control unit 100.

  The first magnetic sensor 406 is provided behind the insertion detection sensor 403 (on the side of the forgotten storage 416) and above the transport path 401, and is attached to the card 1 by being driven by a first magnetic sensor driving device (not shown). (For example, a “JIS-II type” magnetic stripe). Thereby, the first magnetic sensor 406 reads the first magnetic information stored in the first magnetic stripe (for example, the “JIS-II type” magnetic stripe) attached to the card 1. Then, the first magnetic sensor 406 outputs the read first magnetic information to the control unit 100.

  The second magnetic sensor 407 is provided below the transport path 401 and at a position facing the first magnetic sensor 406, and is driven by a second magnetic sensor driving device (not shown), so that the second magnetic sensor It comes into contact with a stripe (for example, a "JIS-I type" magnetic stripe). Accordingly, the second magnetic sensor 407 reads the second magnetic information stored in the second magnetic stripe (for example, a “JIS-I” type magnetic stripe). Then, the second magnetic sensor 407 outputs the read second magnetic information to the control unit 100.

  The emboss reading unit 410 is provided behind the first magnetic sensor 406, and optically reads information (for example, an account number or the like printed on the emboss area 4) drawn in a predetermined image reading area of the transaction cash card. It reads and outputs the read information to the control unit 100. This information is used when creating the statement slip.

  The IC reading unit 414 is provided at a position behind the emboss reading unit 410 and away from the transport path 401. When it is determined that the card 1 has an IC chip, the IC reading unit 414 moves in the direction of arrow B and presses against the IC chip portion of the card 1. Then, the IC reading section 414 reads the IC information stored in the IC chip and outputs it to the control section 100.

(A-2) Operation of Embodiment Next, an operation of a card determination process in the automatic transaction apparatus 10 according to the embodiment will be described in detail with reference to the drawings.

  FIG. 4 is a flowchart illustrating the operation of the card determination process according to the embodiment.

  In the automatic transaction apparatus 10, a card is inserted into the card entrance 12 by a customer who desires a predetermined transaction processing. The card inserted in the card entrance 12 is detected by the insertion detection sensor 403 in the card processing unit 40 (S101).

  In the card processing unit 40, the card is transported along the transport path 401 in the direction of the forgotten storage 416, and the magnetic stripe information attached to the card is read by the first magnetic sensor 406 and the second magnetic sensor 407. (S102).

  Here, regarding the magnetic stripe, the position attached to the card, the format of the stored magnetic information, and the like are standardized. For example, a "JIS-II type" magnetic stripe is provided at a predetermined position on the surface of the card. Accordingly, the first magnetic sensor 406 reads magnetic information from a magnetic stripe provided at a predetermined position on the surface of the card. For example, a "JIS-I type" magnetic stripe is provided at a predetermined position on the back surface of the card. Therefore, the second magnetic sensor 407 reads magnetic information from a magnetic stripe provided at a predetermined position on the back surface of the card.

  Each of the first magnetic sensor 406 and the second magnetic sensor 407 outputs information read from the magnetic stripe to the control unit 100.

  The card determination unit 120 of the control unit 100 determines whether there is the first magnetic information of the first magnetic stripe (that is, the “JIS-II type” magnetic stripe) (S103). If there is the first magnetic information, the process proceeds to S104. If there is no first magnetic information, the process proceeds to S107.

  If there is the first magnetic information, the card determination unit 120 checks the contents of the first magnetic information (S104), and determines whether or not the first magnetic information relates to a financial card (S105).

  That is, the card determination unit 120 determines whether the first magnetic information is a cash card or a credit card as a financial card. If the first magnetic information is a financial card, the process proceeds to S106 and proceeds to a transaction execution process ( S106). Note that the transaction processing is a normal payment transaction or withdrawal transaction, and a detailed description thereof will be omitted. On the other hand, if it is determined that the card is not a financial card, the process proceeds to S112, and the inserted card is returned (S112).

  In S107, when there is no first magnetic information, the card determination unit 120 determines whether or not there is the second magnetic information of the second magnetic stripe (that is, the “JIS-I type” magnetic stripe) (S107). . If there is the second magnetic information, the process proceeds to S108. If there is no second magnetic information, the process proceeds to S112, and the card is ejected (S112).

  If there is the second magnetic information, the card determination unit 120 checks the content of the second magnetic information (S104) and determines whether or not the second magnetic information relates to a financial card (S105). If it is a financial card, the process proceeds to S110. If the card is not a financial card, the flow shifts to S112 to return the card (S112).

  Magnetic stripes are widely applied not only to cash cards and credit cards, but also to various cards such as ID cards and membership cards. Also, forgery of the magnetic stripe or the like can be considered. Therefore, even when there is the second magnetic information, the card determination unit 120 determines whether or not it is a financial card such as a cash card or a credit card based on the second magnetic information. More specifically, as the magnetic information of the financial card, information (data) such as a financial institution code and a branch code is stored by being divided into predetermined separators. Therefore, the card determination unit 120 is configured by using a predetermined format based on the second magnetic information, and is realized by determining whether a financial institution code, a branch code, and the like are correctly included. it can.

  If it is determined that the card is a financial card based on the second magnetic information, the process proceeds to S110, and after returning the card (S110), the customer including the information on the automatic transaction apparatus 10 handling the inserted card. The guidance screen is displayed on the operation display unit 16 (S111).

  That is, if the card determination unit 120 determines that the inserted card is a foreign issued card to which a “JIS-I type magnetic stripe” which is not normally targeted, the foreign issued card is handled. A message including a place where an available automatic transaction apparatus is provided and information including a guide map to the place and the like are displayed on the operation display unit 16. As a result, the customer using the foreign issued card can be made aware of the location and the like of the automatic transaction device at which the transaction can be performed.

  FIG. 5 is an explanatory diagram illustrating a customer guidance screen according to the embodiment.

  As shown in FIG. 5, the customer guidance screen 500 includes a message 501 that introduces an ATM that cannot perform a transaction with the inserted card but can handle the card. Since the card inserted into the automatic transaction apparatus 10 is a foreign issued card, the message 501 is desirably written in a foreign language, and illustrates a case where the message 501 is written in a plurality of languages. For example, FIG. 5 illustrates a case where the characters are written in English, traditional characters, and simplified characters. However, the characters may be written or written in Spanish, Portuguese, Korean, or the like.

  Further, customer guidance screen 500 includes a two-dimensional code (or a one-dimensional code) including a URL for introducing a place where the inserted foreign issued card is handled. As a result, the customer reads the two-dimensional code on the customer guidance screen 500 with a smartphone or a mobile terminal having a function of reading and communicating the two-dimensional code and accesses the URL, so that the customer can handle foreign issued cards. You can know the location.

  The customer guidance screen 500 may display, for example, map information from the automated teller machine 10 to a place where a foreign issued card is handled. Thus, the customer can be notified of the location up to the nearby automatic transaction apparatus.

  The customer guidance screen 500 may be set in the control unit 100 in advance as a display screen of the automatic transaction apparatus 10, or display and acquire display screen information from a server connectable through a communication line. You may.

(A-3) Effects of the Embodiment As described above, according to the embodiment, even if an overseas card is inserted into the domestic card-dedicated ATM, it is possible to display a guide map, a message, and the like for the overseas card user. Is obtained.

(B) Other Embodiments Although various modified embodiments have been described in the above-described embodiments, the present invention can be applied to the following modified embodiments.

  (B-1) In the above-described embodiment, an example has been described in which information including the location of an automatic transaction apparatus that handles foreign issued cards is displayed on the customer guidance screen. However, the automatic transaction apparatus has a statement print output unit for discharging a statement printed with transaction details. Therefore, instead of the display of the customer guidance screen or for the customer guidance screen, the statement slip print output unit may discharge the paper on which the map information up to the ATM corresponding to the foreign issued card is printed.

  (B-2) In the above-described embodiment, the case where the customer guidance screen describes a plurality of language notations for the message is exemplified. However, for example, the customer guidance screen may include a button for switching to a plurality of language notations for each language. That is, the customer guidance screen includes a message written in English, and when the button for switching to another language notation is selected, the language notation of the message is switched to the selected language notation and displayed. Thus, the message can be switched and displayed in a language in which the customer can read the message, so that the ATM corresponding to the foreign issued card can be guided in the language desired by the customer.

  (B-3) In the embodiment described above, the card determination unit 120 issues the inserted card domestically based on the first magnetic information and the second magnetic information from the first magnetic sensor 406 and the second magnetic sensor 407. It has been explained that a card or a foreign issued card is determined. However, it may be determined that the inserted card is a domestic issued card or a foreign issued card based on the emboss information attached to the card surface captured by the emboss reading unit 410.

  For example, a card issued by a company in Japan and a card issued by a foreign company are different based on the 16-digit number attached to the face of the credit card. Therefore, based on the emboss information of the card face read by the emboss reading unit 410, it may be determined whether the card issuance destination is Japan or a foreign country.

DESCRIPTION OF SYMBOLS 10 ... Automatic transaction apparatus, 12 ... Card entrance / exit, 16 ... Operation display part, 100 ... Control part, 400 ... Card processing part, 401 ... Transport path, 402 ... Transport roller, 403 ... Insertion detection sensor, 406 ... 1st magnetic Sensor, 407: second magnetic sensor.

Claims (4)

First magnetic detecting means for detecting a first magnetic stripe of the card;
Second magnetic detecting means for detecting a second magnetic stripe of the card;
With a screen output unit,
The first magnetic detecting means detects a magnetic stripe on an upper surface of a card inserted into an insertion slot,
The second magnetic detecting means is for detecting a magnetic stripe on a lower surface of a card inserted into an insertion slot,
When only the second magnetic detection unit of the first magnetic detection unit and the second magnetic detection unit detects a magnetic stripe, the screen output unit outputs message information indicating that a transaction is not possible, and outputs a foreign language. An automatic transaction device characterized by outputting in a language that includes it.   The said screen output part displays the transaction selection screen which trades, when the said 1st magnetic detection means detects a magnetic stripe among the said 1st magnetic detection means and the said 2nd magnetic detection means. 2. The automatic transaction device according to 1.   3. The automatic transaction apparatus according to claim 1, wherein the first magnetic stripe is a JIS-II type magnetic stripe. 4. The automatic transaction apparatus according to claim 1, wherein the second magnetic stripe is a JIS-I type magnetic stripe.

Images