JP2023143456A - Automated transaction device and automated transaction method - Google Patents

Abstract

To securely return a card to a user if the user left the card behind.SOLUTION: An automated transaction device according to the embodiment, which conducts financial transactions using a card including a numberless card, includes: a card/receipt port into which the card is inserted and from which a card and a receipt are ejected after a transaction; a carrying unit that carries the card; a first image sensor unit that captures an image of the front side of the card; a second image sensor that captures an image of the back side of the card; a card reader that reads information on the magnetic stripe or IC chip of the card; a control unit that stores the image of the front side of the card, the image of the back side of the card, and the information on the magnetic stripe or IC chip of the card; a printer unit that prints on the receipt; and an intake unit that takes in the card and the receipt ejected from the card/receipt port in the event that the card and the receipt are left behind.SELECTED DRAWING: Figure 4

Description

Embodiments of the disclosure relate to an automatic transaction device and an automatic transaction method.

2. Description of the Related Art Automated transaction devices that perform financial transactions such as deposits and withdrawals using credit cards and cash cards are conventionally known (for example, Patent Document 1).

When a card is inserted by a user, such automated transaction devices read information on the card's magnetic stripe or IC chip (for example, in the case of a credit card, information such as the card number and security code), and Information such as the card number and security code displayed on the front of the card is obtained as an image. Furthermore, such automatic transaction devices communicate with a host computer of a financial institution, print various information on a receipt, and return the card and receipt to the user after the transaction.

In addition, in such automatic transaction devices, when a card is ejected to be returned to the user, a timer is monitored for a predetermined period of time (for example, 3 minutes), and if the card is forgotten, the card is retrieved. , the item is returned to the state where it can be used by the next user. In this case, the captured information on the magnetic stripe or IC chip of the card and the image of the surface of the card (information displayed on the surface of the card) are transmitted to the remote monitoring device.

If a user notices that they have forgotten to take their card and contacts the operator, the operator will, after confirming the user's identity, meet the user in front of the automated transaction device and remove the card from the automated transaction device. Take out the card and return the card to the user. When returning the card, make sure that the information on the card's magnetic stripe or IC chip and the image sent to the remote monitoring device match what is displayed on the front of the card to avoid mistakes. and then return it to the user.

JP2020-35284A

By the way, in recent years, so-called numberless cards have appeared, in which information such as the card number and security code is not displayed on the front of the card to prevent information such as the card number and security code from being seen by others.

However, with conventional automatic transaction devices such as those described above, if a numberless card whose information such as the card number and security code is not displayed on the front of the card is forgotten, for example, if multiple cards of the same type are It was difficult to check whether the information on the card matched the information written on the card, and there was a risk that the card would be returned to the user by mistake.

One aspect of the embodiment aims to provide an automatic transaction device and an automatic transaction method that can safely return a card to a user when the user forgets to take the card.

An automatic transaction device according to one aspect of the embodiment is an automatic transaction device that performs financial transactions using a card including a numberless card, into which the card is inserted and which ejects the card and receipt after the transaction. /a receipt opening, a conveyance unit that conveys the card inserted from the card/receipt opening, a first image sensor unit that captures an image of the surface of the card conveyed by the conveyance unit, and the conveyance unit a second image sensor unit that captures an image of the back side of the card being conveyed by the conveyance unit; a card reading unit that reads information on the magnetic stripe or IC chip of the card conveyed by the conveyance unit; a control unit that stores an image image, an image image on the back side of the card, and information on the magnetic stripe or IC chip of the card; a printer unit that prints on the receipt; The card includes a capture unit that captures the card and the receipt when the receipt is forgotten.

According to one aspect of the embodiment, if the user forgets to take the card, it is possible to safely return the card to the user.

FIG. 1 is a diagram showing an example of the appearance of an automatic transaction device according to an embodiment. FIG. 2 is a diagram (part 1) showing an example of the configuration of the automatic transaction device according to the embodiment. FIG. 3 is a diagram (part 2) showing an example of the configuration of the automatic transaction device according to the embodiment. FIG. 4 is a diagram showing the configuration of the card/receipt unit according to the embodiment. FIG. 5 is a diagram illustrating an example of importing a card and a receipt by the importing unit according to the embodiment. FIG. 6 is a diagram illustrating an example of a receipt according to the embodiment. FIG. 7 is a flowchart illustrating an example of the procedure of the automatic transaction method according to the embodiment.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, embodiments of an automatic transaction device and an automatic transaction method disclosed in the present application will be described in detail with reference to the accompanying drawings. Note that the present invention is not limited to the embodiments described below.

<Exterior of automatic transaction device>
First, the appearance of an automatic transaction device 1 according to an embodiment will be described with reference to FIG. FIG. 1 is a diagram showing an example of the appearance of an automatic transaction device 1 according to an embodiment. Note that FIG. 1 shows a schematic perspective view of the automatic transaction device 1.

Note that each figure including FIG. 1 shows a three-dimensional orthogonal coordinate system including a Z-axis whose positive direction is vertically upward (upward). In the following, for convenience of explanation, the positive direction of the X-axis is defined as right, the negative direction of X-axis is defined as left, the positive direction of Y-axis is defined as forward, and the negative direction of Y-axis is defined as backward. Therefore, the X-axis direction is sometimes referred to as the left-right direction, the Y-axis direction is sometimes referred to as the front-back direction, and the Z-axis direction is sometimes referred to as the up-down direction.

The automatic transaction device 1 performs financial transactions such as deposits and withdrawals using credit cards and cash cards. Further, the automatic transaction device 1 is installed in, for example, a financial institution, and is also called an ATM (Automatic Teller Machine).

Further, the automatic transaction device 1 has a function of communicating information with a host computer of a financial institution via a network. Note that illustration of the host computer and network is omitted.

As shown in FIG. 1, the automatic transaction device 1 includes a card/receipt opening 11a, a passbook opening 12a, a touch panel 13, a banknote deposit/withdrawal opening 14a, a coin deposit/withdrawal opening 15a, a camera section 16, and a sensor section. 17.

The card/receipt opening 11a is a portion into which a card C (see FIG. 4) is inserted. A magnetic card (a card with a magnetic stripe) such as a credit card or a cash card or an IC card (a card with an IC chip) is inserted into the card/receipt slot 11a.

Further, the card/receipt opening 11a is a part from which a card C and a receipt P (see FIG. 6), which will be described later, are ejected after a transaction.

Here, the card C includes a numberless card with no information displayed on at least the front surface C1 (see FIG. 4). In addition, numberless cards include those in which no information is displayed on the front side C1 but information displayed on the back side C2 (see Figure 4), and those in which no information is displayed on either the front side C1 or the back side C2. There is something.

Further, the information displayed on the card C includes, for example, the card number and security code in the case of a credit card, and the account number and the name of the account holder in the case of a cash card, for example.

The passbook slot 12a is a part into which a deposit passbook is inserted. Moreover, the passbook opening 12a is a part from which the deposit passbook is discharged.

The touch panel 13 is a part that displays various screens and receives user operations.

The banknote deposit/withdrawal port 14a is a part into which banknotes are inserted. Further, the banknote deposit/withdrawal port 14a is a part from which banknotes are discharged.

The coin deposit/withdrawal port 15a is a part into which coins are inserted. Further, the coin deposit/withdrawal port 15a is a part from which coins are discharged. Note that the banknote deposit/withdrawal port 14a and the coin deposit/withdrawal port 15a are also collectively referred to as "money deposit/withdrawal port."

The camera unit 16 captures an image G3 (see FIG. 6) of a user who conducts a transaction using the card C. The camera unit 16 is constantly capturing images. Further, the camera section 16 can take an image of a user who is present in front of the automatic transaction device 1.

The sensor unit 17 detects a user present in front of the automatic transaction device 1. As the sensor section 17, for example, a proximity sensor that detects by infrared rays is used.

<Configuration of automatic transaction device>
Next, the configuration of the automatic transaction device 1 according to the embodiment will be described with reference to FIGS. 2 and 3. 2 and 3 are diagrams showing an example of the configuration of the automatic transaction device 1 according to the embodiment. Note that FIG. 2 shows a schematic rear view of the automatic transaction device 1. Further, FIG. 2 shows the internal structure of the automatic transaction device 1 as seen from the back, and the rear door provided on the back of the automatic transaction device 1, which can be opened and closed, is omitted.

As shown in FIGS. 2 and 3, the automatic transaction device 1 includes a control section 21, a network interface module 22, a touch panel 13, a camera section 16, a card/receipt unit 11, a passbook unit 12, and a banknote unit 14. and a coin unit 15.

As shown in FIG. 3, the control unit 21 acquires the detection result by the sensor unit 17, and also acquires an image G3 (see FIG. 6) of the user captured by the camera unit 16 from the camera unit 16, The operation of the automatic transaction device 1 is controlled based on the detection result by the sensor section 17 and the image G3 of the user.

The control unit 21 is realized as hardware, for example, by a processor. Examples of processors that implement the control unit 21 include a CPU (Central Processing Unit), a DSP (Digital Signal Processor), and an FPGA (Field Programmable Gate Array).

The control unit 21 also includes a storage unit (not shown). The storage unit is realized by, for example, a memory, an SSD (Solid State Drive), an HDD (Hard Disk Drive), or the like.

The network interface module 22 is connected to an accounting system via a network. An example of the network interface module 22 is a NIC (Network Interface Card).

As shown in FIGS. 2 and 3, the card/receipt unit 11 reads the information on the magnetic stripe or IC chip of the card C (see FIG. 4) inserted into the card/receipt slot 13a (see FIG. 1). The information is output to the control unit 21.

The passbook unit 12 reads information recorded on the magnetic stripe of a deposit passbook inserted into the passbook slot 12a (see FIG. 1), and outputs the read information to the control unit 21. Furthermore, the passbook unit 12 makes entries in the deposit passbook based on information input from the control unit 21 .

The banknote unit 14 discriminates and counts the banknotes inserted into the banknote deposit/withdrawal port 16a (see FIG. 1), and stores the banknotes into a banknote cassette (not shown) for each banknote type when a transaction is completed. Further, the banknote unit 14 counts the banknotes dispensed from the banknote cassettes for each type of banknote, and discharges the banknotes to be paid out from the banknote deposit/withdrawal port 14a.

The coin unit 15 counts the coins inserted into the coin deposit/withdrawal port 15a (see FIG. 1), and stores the coins for each denomination in a coin cassette (not shown) when a transaction is completed. Further, the coin unit 15 counts the coins dispensed from the coin cassettes for each denomination, and discharges the dispensed coins from the coin deposit/disburse port 15a.

The camera section 16 outputs the user's image G3 (see FIG. 6) to the control section 21.

The sensor unit 17 outputs a detection signal to the control unit 21 when a user is detected.

<Card/receipt unit configuration>
Next, the configuration of the card/receipt unit 11 according to the embodiment will be described with reference to FIGS. 4 to 6. FIG. 4 is a diagram showing the configuration of the card/receipt unit 11 according to the embodiment. FIG. 5 is a diagram showing an example of importing a card C and a receipt P in the importing unit 11h according to the embodiment. FIG. 6 is a diagram showing an example of a receipt P according to the embodiment.

As shown in FIG. 4, the card/receipt unit 11 includes the above-described card/receipt opening 11a, a transport section 11b, a first image sensor section 11c, a second image sensor section 11d, and a card reading section 11e. It includes a printer section 11f, a receipt conveyance path 11g, and an intake section 11h.

The card/receipt opening 11a accepts the card C inserted by the user, as described above. Further, the card/receipt opening 11a discharges the card C and the receipt P after the transaction.

The transport unit 11b includes a transport path 11ba that transports the card C inserted from the card/receipt opening 11a. The transport section 11b transports the card C to the back (backward) of the card/receipt unit 11.

The first image sensor section 11c captures an image G1 of the front surface C1 of the card C conveyed by the conveyance section 11b. The first image sensor section 11c is arranged above the conveyance path 11ba. The first image sensor section 11c outputs an image G1 of the front surface C1 of the card C to the control section 21 (see FIG. 2). Note that the control unit 21 stores the acquired image G1 in the storage unit.

The second image sensor section 11d captures an image G2 of the back surface C2 of the card C conveyed by the conveyance section 11b. The second image sensor section 11d outputs an image G2 of the back surface C2 of the card C to the control section 21. Note that the control unit 21 stores the acquired image G2 in the storage unit.

The second image sensor section 11d is arranged below the conveyance path 11ba. The second image sensor section 11d is arranged to face the first image sensor section 11c with the transport path 11ba in between. Note that the second image sensor section 11d may be arranged at a different position from the first image sensor section 11c in the front-rear direction. In this case, the first image sensor section 11c and the second image sensor section 11d image the front surface C1 or the back surface C2 of the card C at different positions on the conveyance path 11ba.

The card reading section 11e reads information on the magnetic stripe or IC chip of the card C conveyed by the conveyance section 11b. The card reading section 11e is arranged above the conveyance path 11ba. Further, the card reading section 11e is arranged on the downstream side of the conveyance path 11ba rather than the first image sensor section 11c and the second image sensor section 11d. The card reading section 11e outputs information on the magnetic stripe or IC chip of the card C to the control section 21. Note that the control unit 21 stores the acquired information in the storage unit.

The printer section 11f has a receipt P wound into a roll. The printer unit 11f prints on the receipt P. After printing on the receipt P, the printer section 11f separates the printed portion and creates a receipt P to be handed to the user.

The receipt conveyance path 11g causes the receipt P printed by the printer section 11f to join the conveyance path 11ba.

The capturing unit 11h captures the card C and receipt P discharged from the card/receipt opening 11a when the card C and receipt P are forgotten. The intake unit 11h includes an intake box 11ha. In the taking-in section 11h, if the card C and the receipt P discharged from the card/receipt opening 11a are not taken out for a predetermined period of time (for example, 3 minutes), the conveyance section 11b transports the card C and the receipt P to the side opposite to the card/receipt opening 11a in the front-rear direction. It is transported backward, dropped from the rear end of the transport path 11ba, and taken into the take-in box 11ha.

As shown in FIG. 5, when the capture unit 11h captures the card C and the receipt P from the conveyance path 11ba, the capture unit 11h captures the card C and the receipt P in an overlapping manner. In this case, the capture unit 11h captures the receipt P on top of the card C, for example. That is, the receiving unit 11h takes the stacked cards C and receipt P as one set into the receiving box 11ha.

As shown in FIG. 6, when the printer section 11f captures the card C and the receipt P by the capture section 11h, the printer section 11f outputs an image G1 of the front surface C1 of the card C and an image G1 of the back surface C2 of the card C input from the control section 21. The image G2 is printed on the receipt P.

Further, when the printer unit 11f captures the card C and the receipt P by the capture unit 11h, the printer unit 11f prints information on the magnetic stripe or IC chip of the card C, which is input from the control unit 21, on the receipt P. In addition, when the printer section 11f captures the card C and the receipt P by the capture section 11h, the printer section 11f prints on the receipt P the date and time when the card C (and receipt P) was captured into the capture section 11h, which is input from the control section 21. do.

In addition, when the printer section 11h captures the card C and the receipt P, the printer section 11f converts the user's image G3 input from the control section 21 and captured by the camera section 16 (see FIG. 1) into the receipt P. to be printed.

In this manner, the printer section 11f prints various information on the receipt P when the import section 11h imports the card C and the receipt P. Note that all of the above-mentioned magnetic stripe or IC chip information of the card C, the date and time when the card C was loaded into the loading section 11h, the image G1, the image G2, and the image G3 are not printed on the receipt P. Either of these may be printed.

According to the automatic transaction device 1 according to the embodiment described above, by acquiring the image G2 of the back side C2 of the card C, the card can be used in a transaction using a numberless card on which user information is not displayed. Even if the user forgets to take out the card C, the user can check the obtained image G2 of the back side C2 of the card C by comparing it with the user. Thereby, even if there is no indication on the face (front surface C1) of the card C that the user can identify, the card C can be safely returned to the user.

Further, since the image G1 of the front side C1 of the card C and the image G2 of the back side C2 of the card C can be confirmed on the receipt P, the card C can be safely returned to the user. Further, only when the card C is forgotten, the image G1 of the front side C1 of the card C and the image G2 of the back side C2 of the card C are printed on the receipt P, so safety can be improved.

Furthermore, since the information on the magnetic stripe or IC chip of the card C and the date and time when the card C was taken into the receiving section 11h can be confirmed on the receipt P, the card C can be safely returned to the user. In addition, only when the card C is forgotten, the information on the magnetic stripe or IC chip of the card C and the date and time when the card C was loaded into the loading section 11h are printed on the receipt P, which increases safety. can.

Furthermore, since the image G3 of the user can be confirmed on the receipt P, the card C can be safely returned to the user. Further, since the image G3 of the user is printed on the receipt P only when the card C is forgotten, safety can be improved.

Further, by importing the stacked card C and receipt P as one set, it is only necessary to confirm the set of the card C and receipt P, and the card C can be safely returned to the user.

<Automatic trading method>
Next, an example of the automatic transaction method according to the embodiment will be described with reference to FIG. FIG. 7 is a flowchart illustrating an example of the procedure of the automatic transaction method according to the embodiment.

In addition, below, when the card C and the receipt P are not taken out after a transaction, the procedure until the card C and the receipt P are taken in by the taking part 11h will be explained. Further, each section is controlled by a control section 21.

The automatic transaction method of the automatic transaction device 1 is to print an image G1 of the front side C1 of the card C and an image G2 of the back side C2 of the card C on the receipt P when the card C and the receipt P are loaded by the loading unit 11h. This process includes a printing process and a capture process in which the card C and the receipt P are stacked and captured in the capture unit 11h.

As shown in FIG. 7, in the automatic transaction method of the automatic transaction device 1 (see FIG. 1), the control unit 21 first ejects the card C and receipt P from the card/receipt slot 11a to return them to the user. (Step S101).

Next, the control unit 21 determines whether the card C and the receipt P remain in the card/receipt opening 11a (step S102). In the process of step S102, the control unit 21 automatically controls the Terminate the transaction.

If the control unit 21 determines in the process of step S102 that the card C and receipt P remain in the card/receipt slot 11a (step S102: Yes), the card C and receipt P remain unremoved for a predetermined period of time ( For example, it is determined whether three minutes have elapsed (step S103).

In the process of step S103, if the control unit 21 determines that a predetermined time (for example, 3 minutes) has elapsed without the card C and the receipt P being taken out (step S103: Yes), the transport unit 11b removes the card. C and the receipt P are conveyed toward the receiving section 11h (step S104). Note that in the process of step S102, if the control unit 21 determines that the predetermined time (for example, 3 minutes) has not elapsed without the card C and the receipt P being taken out (step S103: No), the control unit 21 performs the process of step S103. Repeat the process.

The control unit 21 controls the transport path 11ba to take only the card C into the take-in box (step S105). Further, the control unit 21 executes a printing process of printing information on the receipt P in the printer unit 11f (step S106). The information printed on the receipt P is various information including the image G1 of the front side C1 of the card C and the image G2 of the back side C2 of the card C, as described above.

Next, the control unit 21 controls the conveyance path 11ba to take the receipt P printed in the printing process into the receiving box 11ha (step S107), and ends the automatic transaction.

According to the automatic transaction method according to the embodiment described above, by further printing the image G3 of the back side C2 of the card C on the receipt P, the user can use a numberless card on which no user information is displayed. Even if a user forgets to take out a card C during a transaction, the user can confirm this by comparing the image G2 of the back side C2 of the card C printed on the receipt P with the user. Thereby, even if there is no indication on the face (front surface C1) of the card C that the user can identify, the card C can be safely returned to the user. Further, by importing the stacked card C and receipt P as one set, it is only necessary to confirm the set of the card C and receipt P, and the card C can be safely returned to the user.

Further advantages and modifications can be easily deduced by those skilled in the art. Therefore, the broader aspects of the invention are not limited to the specific details and representative embodiments shown and described above. Accordingly, various changes may be made without departing from the spirit or scope of the general inventive concept as defined by the appended claims and their equivalents.

1 Automatic transaction device 11a Card/receipt opening 11b Conveyance section 11c First image sensor section 11d Second image sensor section 11e Card reading section 11f Printer section 11h Capturing section 16 Camera section 21 Control section C Card C1 Front side C2 Back side G1 Image image G2 Image image G3 Image image P Receipt

Claims (6)

An automatic transaction device that performs financial transactions using cards including numberless cards,
a card/receipt slot into which the card is inserted and from which the card and receipt are ejected after the transaction;
a conveyance unit that conveys the card inserted from the card/receipt opening;
a first image sensor unit that captures an image of the surface of the card transported by the transport unit;
a second image sensor unit that captures an image of the back side of the card transported by the transport unit;
a card reading unit that reads information on a magnetic stripe or an IC chip of the card transported by the transport unit;
a control unit that stores an image of the front side of the card, an image of the back side of the card, and information on the magnetic stripe or IC chip of the card;
a printer unit that prints on the receipt;
An automatic transaction device comprising: an intake section that captures the card and the receipt when the card and the receipt are forgotten to be discharged from the card/receipt slot. The printer section prints an image of the front side of the card and an image of the back side of the card on the receipt when the card and the receipt are loaded by the loading section.
The automatic transaction device according to claim 1. The printer unit prints information on the magnetic stripe or IC chip of the card and the date and time when the card was taken into the taking unit on the receipt when the card and the receipt are taken in by the taking unit.
The automatic transaction device according to claim 1 or 2. further comprising a camera unit that captures an image of a user making a transaction using the card,
The printer section prints an image of the user on the receipt when the card and the receipt are captured by the capture section.
The automatic transaction device according to any one of claims 1 to 3. The capturing unit captures the card and the receipt in a stacked manner;
The automatic transaction device according to any one of claims 1 to 4. An automatic transaction device that performs financial transactions using cards including numberless cards, comprising a card/receipt slot into which the card is inserted and from which the card and receipt are ejected after the transaction; a first image sensor unit that captures an image of the front side of the card transported by the transport unit; and a first image sensor unit that captures an image of the back surface of the card transported by the transport unit. a second image sensor section that captures an image; a card reading section that reads information on the magnetic stripe or IC chip of the card carried by the carrying section; an image of the front surface of the card; an image of the back surface of the card; a control unit that stores information on the magnetic stripe or IC chip of the card; a printer unit that prints on the receipt; An automatic transaction method for an automatic transaction device, comprising: an acquisition unit that imports the receipt;
In the printer section, when the card and the receipt are captured by the capture section, printing an image of the front surface of the card and an image of the back surface of the card on the receipt;
An automatic transaction method comprising: in the importing unit, importing the card and the receipt in a stacked manner.

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