JP6583045B2 - Automatic transaction equipment - Google Patents

Description

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

  For example, in an automatic transaction apparatus (hereinafter, ATM: Automatic Teller Machine), a cash card or a credit card is used. Magnetic stripes are widely used around the world as a recognition technology for cash cards and credit cards.

  In recent years, contact-type or non-contact-type recognition technologies with built-in IC chips have also appeared, but many cards with magnetic stripes are still used. In addition, there are “JIS-I type” and “JIS-II type” equivalent to the international standard ISO / IEC of the International Organization for Standardization (ISO).

  Many cards issued by foreign financial institutions and card companies (hereinafter also referred to as “foreign-issue cards”) are given so-called “JIS-I” magnetic stripes and issued by Japanese financial institutions and card companies. Many cards (hereinafter also referred to as “domestic cards”) are given “JIS-II type” magnetic stripes.

  A conventional ATM returns a card when it is determined from the information on the magnetic stripe of the inserted card that the card is not a normal purpose (see Patent Document 1). That is, the conventional ATM returns the card as a non-purpose card without determining whether the inserted card is a foreign card.

JP 2012-133676 A

However, if a foreign-issued card is mistakenly inserted into a domestic ATM, it can only be returned as a non-purpose card, and the customer who wants to use the foreign-issued card cannot provide information so that the situation can be recognized. Problems can arise.

Therefore, there is a need for an automatic transaction apparatus that provides information so that a customer who wants to use a foreign issued card can recognize the situation even when the foreign issued card is inserted.

In order to solve such a problem, an automatic transaction apparatus according to the first aspect of the present invention includes (1) magnetic information reading means for reading magnetic information from an inserted card, and (2) magnetic information read by the magnetic information reading means. A first magnetic information reader for reading the first magnetic information from the first magnetic stripe, and a control means for determining whether or not the automatic transaction apparatus is a card that cannot be traded based on the information; , A second magnetic information reading unit that reads the second magnetic information from the second magnetic stripe, and the first magnetic information reading unit cannot read the first magnetic information, and the second magnetic information reading unit performs the second magnetic information reading. When the information is read: (3) The control means outputs information indicating that the card cannot be traded in a foreign language on the display screen . (4) The inserted card is returned to the card entrance / exit. characterized in that that And

The automatic transaction apparatus according to the second aspect of the present invention is an automatic transaction apparatus, and (1) magnetic confirmation means for confirming the presence or absence of a magnetic stripe on the inserted card, and (2) transaction not possible with the automatic transaction apparatus. Control means for determining whether or not it is a card, and as a result of confirmation by the magnetic confirmation means, the inserted card does not have the first magnetic stripe and the second magnetic stripe exists. (3) The control means outputs information indicating that the card cannot be traded in a foreign language on the screen of the display unit , and (4) the inserted card is returned to the card entrance / exit .
The automatic transaction apparatus according to the third aspect of the present invention is an automatic transaction apparatus in which foreign issued cards cannot be traded, and (1) magnetic confirmation means for confirming the presence or absence of a magnetic stripe on the inserted card; and (2) insertion An access means for accessing the IC chip of the inserted card, and (3) a control means for determining whether or not the automatic transaction apparatus is a card that cannot be traded. If the first magnetic stripe does not exist and the second magnetic stripe exists, the control means outputs information indicating that the card cannot be traded in a foreign language on the screen of the display unit. Features .

According to the present invention, even when a foreign card is inserted , information can be provided so that a customer who wants to use the foreign card can recognize the situation .

It is a block diagram which shows the external appearance structure of the automatic transaction apparatus which concerns on embodiment. It is a block diagram which shows the internal structure of the automatic transaction apparatus 10 which concerns on embodiment. It is a block diagram which shows the structure of the card process part 40 which concerns on embodiment. It is a flowchart which shows the operation | movement of the card | curd determination process which concerns on embodiment. It is explanatory drawing explaining the customer guidance screen which concerns on 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 in each branch or station of a financial institution, an airport, a convenience store, or the like.

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

  In FIG. 1, the automatic transaction apparatus 10 which concerns on embodiment is provided with the housing | casing 11, the card inlet / outlet 12, the bankbook inlet / outlet 13, the banknote inlet / outlet 14, the coin inlet / outlet 15, and the operation display part 16. FIG.

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

  The card entrance / exit 12 is a portion for inserting or discharging a cash card or a credit card as a transaction card.

Automated transaction apparatus 10 of this embodiment illustrates the case where the domestic A TM. Therefore, the transaction for the card, which can be automatic teller machine 10 handled, financial card (cash card, credit card) with a magnetic stripe and, you illustrate the case of a built-in IC chip financial card.

  The bankbook entry / exit 13 is a part where the bankbook is inserted or discharged. The banknote inlet / outlet 14 is a part that receives or discharges banknotes, and the coin inlet / outlet 15 is a part that receives or discharges coins. The operation display unit 16 is a display with a touch panel, and displays a screen corresponding to the progress of the transaction. The customer can proceed with the transaction by touching the desired button (eg, a button depicting the desired transaction).

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

  In FIG. 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 governs the function of the automatic transaction apparatus 10. Although the hardware of the control unit 100 is not shown, for example, it includes a CPU, a ROM, a RAM, an EEPROM, and an input / output interface unit. CPU implement | achieves the function of the automatic transaction apparatus 10 by running the processing program (for example, card determination processing program etc.) stored in ROM. In addition, the function of the automatic transaction apparatus 10 may be constructed by installing the processing program in the automatic transaction apparatus 10.

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

  Transaction processing unit 110 performs transaction processing of a type that can be processed in 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 or not 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 about the automatic transaction apparatus 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 card recognition processing based on the information read from the magnetic stripe and IC chip of the card inserted from the card insertion / exit port 12, and sends the information read from the magnetic stripe and IC chip to the control unit 100. 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, An IC reading unit 414 and a forgotten storage 416 are provided. The card processing unit 40 is also provided with a sensor for detecting the conveyance status (for example, the position of a transaction cash card).

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

  A plurality of conveyance rollers 402 are provided on the conveyance path 401 at intervals, and are driven by a roller driving device (not shown). Thereby, the conveyance roller 402 conveys the card 1 in the conveyance path 401 to the forgotten storage 416 side and the card slot 12 side. That is, the card 1 inserted into the card slot 12 in the direction of arrow A is introduced into the transport path 401 by the transport roller 402. Thereafter, the inserted card 1 is transported in the transport path 401 by the transport roller 402, and finally returned to the customer from the card entry / exit 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 forgotten storage 416 side) and above the conveyance path 401, and is attached to the card 1 by being driven by a first magnetic sensor driving device (not shown). The first magnetic stripe formed (for example, “JIS-II type” magnetic stripe) is contacted. As a result, the first magnetic sensor 406 reads the first magnetic information stored in the first magnetic stripe (for example, “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), whereby the second magnetic sensor attached to the card 1. A stripe (for example, “JIS-I type” magnetic stripe) is contacted. Thereby, the second magnetic sensor 407 reads the second magnetic information stored in the second magnetic stripe (for example, “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 records information drawn in a predetermined image reading area of the transaction cash card (for example, an account number printed in the embossing area 4). The read information is output to the control unit 100. This information is used when creating a statement slip.

  The IC reading unit 414 is provided at a position behind the emboss reading unit 410 and away from the conveyance 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 unit 414 reads the IC information stored in the IC chip and outputs it to the control unit 100.

(A-2) Operation | movement of embodiment Next, operation | movement of the card | curd determination process in the automatic transaction apparatus 10 which concerns on embodiment is demonstrated in detail, referring drawings.

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

  In the automatic transaction apparatus 10, a card is inserted into the card slot 12 by a customer who desires predetermined transaction processing. The card inserted into the card slot 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. (S 10 02).

  Here, the magnetic stripe standardizes the position attached to the card, the format of stored magnetic information, and the like. For example, a “JIS-II” magnetic stripe is applied to a predetermined position on the surface of the card. Accordingly, the first magnetic sensor 406 reads magnetic information from the magnetic stripe provided at a predetermined position on the surface of the card. Further, for example, a “JIS-I” magnetic stripe is provided at a predetermined position on the back surface of the card. Accordingly, the second magnetic sensor 407 reads magnetic information from the 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 first magnetic information of the first magnetic stripe (that is, the “JIS-II type” magnetic stripe) (S103). When there is first magnetic information, the process proceeds to S104. If there is no first magnetic information, the process proceeds to S107.

  When there is the first magnetic information, the card determination unit 120 confirms the content of the first magnetic information (S104) and determines whether it is related to the financial card (S105).

  That is, the card determination unit 120 determines whether or not 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 transaction execution processing ( S106). Since the transaction process is a normal deposit transaction or withdrawal transaction, a detailed description thereof is omitted here. On the other hand, when it determines with it not being a financial card, a process transfers to S112 and returns the inserted card (S112).

  In S107, when there is no first magnetic information, the card determination unit 120 determines whether there is second magnetic information of the second magnetic stripe (ie, “JIS-I type” magnetic stripe) (S107). . When there is the second magnetic information, the process proceeds to S108. When there is no 2nd magnetic information, it transfers to S112 and discharges a card | curd (S112).

  When there is the second magnetic information, the card determination unit 120 checks the content of the second magnetic information (S104), and determines whether it is related to the financial card (S105). If it is a financial card, the process proceeds to S110. If it is not a financial card, the process proceeds to S112 and the card is returned (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 magnetic stripes can be considered. Therefore, even when there is the second magnetic information, the card determination unit 120 determines whether the card is a financial card such as a cash card or a credit card based on the second magnetic information. More specifically, in 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 in a predetermined format based on the second magnetic information, and further realized by determining whether a financial institution code, a branch code, or the like is correctly included. it can.

  And when it determines with it being a financial card based on 2nd magnetic information, after moving to S110 and returning a card | curd (S110), the customer containing the information regarding the automatic transaction apparatus 10 which handles the said inserted card | curd A guidance screen is displayed on the operation display unit 16 (S111).

That is, card determination unit 120, the inserted card, if it is determined that the foreign issued cards usually outside object subject "JIS-I type magnetic stripes" has been granted, the foreign cards issued Information including a message including a place where an automatic transaction apparatus that can be handled is provided and a guide map up to the place is displayed on the operation display unit 16. Thereby, it is possible to make the customer who uses the foreign card issued know whether the transaction can be made at any place or the like.

  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 handle a transaction with the inserted card and can handle the card. Further, since the card inserted into the automatic transaction apparatus 10 is a foreign card, the message 501 is preferably written in a foreign language, and the case of writing in a plurality of languages is illustrated. For example, although FIG. 5 illustrates a case where writing is performed in English, traditional characters, and simplified characters, it may be written or written in Spanish, Portuguese, Korean, or the like.

Further, the customer guidance screen 500 includes a two-dimensional code (or may be a one-dimensional code) including a URL that introduces the handling location of the inserted foreign issued card. As a result, the customer reads the two-dimensional code on the customer guidance screen 500 and accesses the URL with a smartphone or mobile terminal having a two-dimensional code reading function and a communication function, so that the customer handles the foreign issued card. You can know the location.

  Note that the customer guidance screen 500 may display, for example, map information from the automatic transaction apparatus 10 to a place where foreign issued cards are handled. Thereby, a customer can be notified of the place to the automatic transaction apparatus located near.

  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 screen information obtained from a server connectable through a communication line and displayed. May be.

(A-3) Effect As described above embodiments, according to the embodiment, also be inserted foreign card domestic ATM, by being able to determine a transaction failure foreign cards, guide towards foreign card user The effect that a figure, a message, etc. can be displayed is acquired.

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

  (B-1) In embodiment mentioned above, the case where the information including the place of the automatic transaction apparatus which handles a foreign issue card, etc. was displayed on the customer guidance screen was illustrated. However, the automatic transaction apparatus has a statement slip print output unit for discharging a statement slip on which transaction details are printed. Therefore, instead of displaying the customer guidance screen, or for the customer guidance screen, the statement slip printout unit may discharge the paper on which the map information up to the ATM corresponding to the foreign card is printed.

  (B-2) In embodiment mentioned above, the customer guidance screen illustrated the case where the several language description was written together about a message. 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 switch button to another language notation is selected, the language notation of the message is switched to the selected language notation and displayed. Thereby, since the message can be switched and displayed in a language in which the customer can read the message, the ATM corresponding to the foreign 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 based on the first magnetic information and the second magnetic information from the first magnetic sensor 406 and the second magnetic sensor 407 to be issued domestically. Explaining that it is a card or a foreign card. However, based on the emboss information attached to the card surface imaged by the emboss reader 410, it may be determined that the inserted card is a domestic issued card or a foreign issued card.

  For example, based on a 16-digit number attached to a credit card ticket, a card issued by a Japanese company is different from a card issued by a foreign company. Therefore, based on the emboss information of the card face read by the emboss reader 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 ... Conveyance path, 402 ... Conveyance roller, 403 ... Insertion detection sensor, 406 ... 1st magnetism Sensor, 407 ... second magnetic sensor.

Claims (6)

Magnetic information reading means for reading magnetic information from the inserted card;
Control means for determining whether or not the card is incompatible with the automatic transaction device based on the magnetic information read by the magnetic information reading means,
The magnetic information reading means;
A first magnetic information reader for reading first magnetic information from the first magnetic stripe;
A second magnetic information reader for reading second magnetic information from the second magnetic stripe;
Have
When the first magnetic information cannot be read by the first magnetic information reading unit and the second magnetic information is read by the second magnetic information reading unit,
The control means outputs, in a foreign language, information indicating that the card cannot be traded on the screen of the display unit ,
The automatic transaction apparatus, wherein the inserted card is returned to a card entrance / exit .   2. The automatic transaction apparatus according to claim 1, wherein the control means outputs information relating to an automatic transaction apparatus that enables the inserted card to be transacted.   2. The automatic transaction apparatus according to claim 1, wherein the control means outputs the information written in a plurality of languages.   The automatic transaction apparatus according to claim 2, wherein the information includes a two-dimensional code indicating a URL of a Web page that introduces an automatic transaction apparatus capable of performing transaction of the card. Automatic transaction equipment,
Magnetic confirmation means for confirming the presence or absence of the magnetic stripe of the inserted card;
Control means for determining whether or not the card is unacceptable for the automatic transaction apparatus,
As a result of confirmation by the magnetic confirmation means, when the inserted card does not have a first magnetic stripe and a second magnetic stripe exists,
The control means outputs, in a foreign language, information indicating that the card cannot be traded on the screen of the display unit ,
The automatic transaction apparatus, wherein the inserted card is returned to a card entrance / exit . Overseas issued cards are automatic transaction devices that cannot be traded,
Magnetic confirmation means for confirming the presence or absence of the magnetic stripe of the inserted card;
Access means for accessing the IC chip of the inserted card;
Control means for determining whether or not the card is unacceptable for the automatic transaction apparatus,
As a result of confirmation by the magnetic confirmation means, if the inserted card does not have the first magnetic stripe and the second magnetic stripe exists, the control means displays the card on the screen of the display unit. An automatic transaction apparatus that outputs information indicating that it is impossible in a foreign language.

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