JPH06259640A - Automatic transaction device - Google Patents

Abstract

PURPOSE:To prevent the occurrence of an accident by providing a discriminating means, which discriminates the inserting direction of a transaction medium, and a control means which displays the classification of a transaction by information from the discriminating means and preventing a user from mistaking the transaction of payment/depositing and that of loaning/financing for each other. CONSTITUTION:A double stripe card (W/S card) 2 inserted to a slot is carried to the position just under a magnetic head 8 by a roll which is driven with a motor 6 by linking, and data written in a magnetic stripe 1 or 1' is read out. At this time, thickness sensors 9 and 9' check the thickness of the right and that of the left of the W/S card 2 in the inserting direction of the W/S card 2 to confirm the marked position of embossment 3. When it is judged by this confirmation that the inserting direction indicates a transaction of loaning/financing, a guidance is given by a picture or a voice to warn the user that a transaction of loaning will be executed. Then, the user becomes aware of the misinsertion to correct the operation.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction apparatus which uses a magnetic card as a transaction medium, and particularly to an automatic transaction apparatus which handles a so-called double stripe card having two magnetic stripes on the left and right with respect to the insertion direction of the magnetic card. Regarding

[0002]

2. Description of the Related Art A magnetic card having one magnetic stripe is generally used for automatic payment or automatic deposit of deposits.
The regular insertion direction was regulated in advance, and it was possible to check the insertion in the opposite direction depending on the presence or absence of magnetism. However, double-stripe cards can check the insertion direction for in-house cards with known identification codes such as account numbers, but for other companies' cards, it was difficult to check the insertion direction on the automated transaction device side. . The one disclosed in Japanese Patent Application No. Hei 2-166577 discloses a structure for optically reading embossed characters / symbols on the surface of a magnetic card and performing character recognition. Upside down sign,
That is, the guide display is not made to the user by determining the insertion direction of the magnetic card from the upside down.

[0003]

A magnetic card as a transaction medium usually has one magnetic stripe, and the direction of insertion into an automated teller machine is designated by an arrow or the like during payment or deposit transaction. ing. The double stripe card has two magnetic stripes which are symmetrical to each other, and the added magnetic stripe is used for a loan or a loan. These two magnetic stripes are provided with a code for identifying them, but the code is different for each user, and the automatic transaction device can use a magnetic card issued by another user. The transaction is configured so that it can be accepted. Therefore, when the transaction is inserted in the reverse direction, the transaction content is different from that in the forward direction, so that the wrong transaction content is selected. For example, when a user intended to make a withdrawal transaction from his or her own savings account, but the magnetic card was inserted in the opposite direction, a loan or loan transaction was executed.If you do not notice this, use the There is a risk that the person will be in trouble such as paying a large amount of loan interest, resulting in a very unfavorable result in terms of customer service. Therefore, there is a problem in that the user has to reconfirm the insertion direction of the magnetic card and the details of the transaction to be executed. In view of the above problems, the present invention checks the insertion direction of a double-stripe card to prevent the user from mistakenly making payment / depositing transactions and lending / financing transactions, thereby preventing accidents. It is intended to provide a suitable automatic transaction device.

[0004]

[Means for Solving the Problems] Means for solving the above problems are described in the claims. That is, an object of the present invention is, in an automatic transaction apparatus for determining at least a transaction type and executing a transaction by inserting a transaction medium having a plurality of magnetic recording means, a determination means for determining an insertion direction of the transaction medium, This is achieved by an automatic transaction device characterized by having control means for displaying the transaction type based on information from the discrimination means.

[0005]

With the above configuration, the thickness of the magnetic card (hereinafter referred to as a card) in the left-right direction is checked, and the embossed position is checked from the image data optically read,
Alternatively, by performing character recognition processing on the read image data, it is possible to check and confirm the upright direction of the characters / symbols, that is, the insertion direction of the card.

[0006]

Embodiments of the present invention will be described with reference to the drawings. Figure 9
FIG. 1 is a block diagram showing a hardware configuration of an automatic transaction device according to the present invention. In addition to the card handling mechanism 4, the automated teller machine includes a passbook handling mechanism 13, a cash deposit / withdrawal mechanism 14 for depositing or paying cash, a customer operation unit 16 for inputting by a customer operation and displaying the input content, and a cash payment. And a banknote depositing mechanism 14 for depositing, a journal printing mechanism 15 for printing statement slips, a storage unit 17, a power supply unit 18, a control unit 19
And a center 20 which gives a command to the control unit 19 and the like. <First Embodiment> FIG. 1 shows a first embodiment of an automatic transaction device according to the present invention.
It is a signal processing block diagram of the card insertion direction of an Example.
FIG. 2 is a view showing the appearance of a double stripe card (hereinafter referred to as a W / S card) 2 in which magnetic stripes 1 and 1'are arranged on the left and right. Assuming that the insertion direction of the W / S card is arrow A, the emboss 3 is stamped on the left side of the W / S card 2 in the insertion direction A.

FIG. 3 is a schematic side view showing the structure of the card handling mechanism 4, and FIG. 4 is a processing flow chart of the first embodiment. Hereinafter, processing steps will be referred to as, for example, S001. The handling procedure of the first embodiment using the W / S card 2 will be described with reference to FIGS. 3 and 4. In FIGS. 3 and 4, the W / S card 2 inserted in the insertion slot 5 is conveyed to a position directly below the magnetic head 8 by a roller 7 which is driven by a motor 6 in conjunction with the magnetic stripe 1 or 1 The data written in 'is read. At this time, the thickness sensors 9 and 9 ′ are set to W in the insertion direction A of the W / S card 2.
/ Check the left and right thickness of the S card 2 to confirm the marking position of the emboss 3 (S003). If it is determined by this confirmation that the insertion direction is the "lending, loan" transaction direction, guidance that the transaction is a "lending transaction" is given on the screen or by voice (S005), and a warning is issued to the user. When displayed on the screen, blinking is effective. Read the data recorded on the magnetic stripe (S00
6) Based on the recorded code, it is determined whether the card is issued by the company (S007). In the case of own-owned card, confirm the transaction category from the account number, that is, the deposit or loan category (S009), and if it is found to be a loan transaction, provide guidance by screen or voice that it is a "lending transaction". (S010). Next, when the reading of the magnetic stripe is completed, the W / S card 2 is conveyed to the optical reading section 10 and the embossed 3 marked is read (S012). Optical reading unit 1
For 0, the pattern printed on the card surface is skipped, and only the embossed stamp 3 is read. As a result, it is possible to confirm whether the embossing 3 is located on the right or left side of the W / S card 2 in the insertion direction A. Therefore, in the case of reverse insertion, that is, in the case of lending or lending, as described above. , Guidance is given to the user by giving guidance by screen or voice (S017). As shown in FIG. 1, the read image information of the emboss 3 indicates that the emboss 3 is upside down from the result of character recognition by the optical read control unit 11 and the character recognition processing unit 12. To that effect, as described above, guidance is given on the screen or by voice to alert the user.

The character recognition is not limited to the embossing 3, but the characters / symbols printed on the surface of the W / S card 2 are input to the character recognition processing section 12 to check whether the character is inverted or not.
It is also possible to confirm the insertion direction of the W / S card 2. Also, by checking the insertion direction of the W / S card 2 in advance, it can be confirmed that it is a reverse insertion, and by giving guidance that it is a "loan transaction", it can be used twice or three times. It is possible to omit warnings or alerts to persons. The collection box 13 shown in FIG. 3 collects and stores the W / S card 2 when the user forgets to take the W / S card 2 returned to the insertion slot 5 after the transaction is completed. It is a tray for doing. FIG. 5 is a diagram showing an outline of a thickness detecting mechanism by the thickness sensors 9 and 9 ′, and the contactor 1 made of an elastic material.
5, 15 'are fixed to the insulating plates 14, 14' provided on the left and right sides of the inserted W / S card 2 on the conveyance path,
It has a structure for holding the conveyed W / S card 2 from above and below. The embossing 3 is arranged in a symmetrical positional relationship where the embossing 3 is present, and the voltage E is applied to the contacts 15 and 15 ′ through the resistors R and R ′. The contacts 16, 16 ′ of the contacts 15, 15 ′ are adjusted so as to close at the thickness of the plane portion of the card 2. Then, when the thick embossed portion 3 enters into the contactor 15 ', the contact 16' is opened and the voltage E is not applied to the resistor R ', but the contact 16' is not applied.
The closing voltage E is still applied. Pay these /
As a deposit signal or a loan / financing signal, it is input to the thickness sensor control unit 17 shown in FIG. 1 to check the insertion direction of the W / S card 2.

FIG. 6 is a conceptual diagram of the reading of the emboss 3 by the optical reading section 10 shown in FIG. In FIG.
An optical system in which the incident angle θ at which the LED array 18 illuminates the upper surface of the W / S card 2 and the reflection angle ψ at which the image sensor 19 receives the reflected light are equal to each other, and the upper surface of the W / S card 2 is specularly reflected. Adjust the installation position of. The light emitted from the LED array 18 is cut by the slit 20 to become line light, which illuminates the surface of the W / S card 2. On the other hand, the image sensor 19 is provided with a lens 21 at a position on the surface of the W / S card 2 for receiving the line light. In such a positional relationship, when the relative positional relationship between the optical reading section 10 and the W / S card 2 is changed by the transportation of the W / S card 2, the amount of light received by the image sensor 19 is the plane portion of the card 2. However, the emboss 3 can be read from the difference in the amount of received light because the amount is large and the amount is small in the embossed portion.

<Second Embodiment> FIG. 7 is a diagram showing a processing flow of a second embodiment according to the present invention. In FIG. 7, a transaction is selected from subdivided transaction selection items (S101). First, the content of the selected transaction and the insertion direction of the W / S card 2 inserted by the customer are confirmed (S104), and the read transaction content. If the numbers do not match, guidance is provided to that effect (S112).
The card is returned (S113), and the user is prompted to insert the card again.

<Third Embodiment> FIG. 8 is a diagram showing a processing flow of a third embodiment of the present invention. In FIG. 8, the W / S card is inserted first (S201), the transaction content read from the insertion direction of the W / S card 2 is displayed (S204 or S205), and the transaction content of the user is a deposit / payment transaction. The user confirms whether it is a loan or a loan (S20).
At the same time as 6), if there is an error in the insertion direction, the cancel key is pressed (S212) and the guidance (S21
3) The W / S card 2 is prompted to be reinserted so that a normal transaction can be input, and the W / S card 2 can be prevented from being inserted incorrectly.

[0012]

By implementing the present invention, even if the W / S card is inserted in the wrong direction in the automatic transaction apparatus, the user can notice and correct the W / S card insertion error by the guidance or warning. It is possible to prevent erroneous transactions.

[Brief description of drawings]

FIG. 1 is a signal processing block diagram in a card insertion direction of a first embodiment of an automatic transaction device according to the present invention.

FIG. 2 is an external view of a W / S card according to the present invention.

FIG. 3 is a schematic side view showing a configuration of a card handling mechanism according to the present invention.

FIG. 4 is a processing flowchart of the first embodiment of the present invention.

FIG. 5 is a diagram schematically showing a mechanism of a thickness sensor according to the present invention.

FIG. 6 is a schematic view showing a reading mechanism by an optical reading unit according to the present invention.

FIG. 7 is a process flow chart of the second embodiment of the present invention.

FIG. 8 is a processing flow chart of the third embodiment of the present invention.

FIG. 9 is a block diagram showing a hardware configuration of the automatic transaction device of the present invention.

[Explanation of symbols]

1, 1 '... magnetic stripe 2 ... double stripe (W / S) card 3 ... embossing 4 ... card handling mechanism 5 ... insertion slot 6 ... motor 7 ... roller 8 ... magnetic head 9, 9' ... thickness sensor 10 ... optical Read-out unit 11 ... Optical read-out control unit 12 ... Character recognition processing unit 13 ... Recovery box 14, 14 '... Insulating plate 15, 15' ... Contactor 16, 16 '... Contact point 17 ... Thickness sensor control unit 18 ... LED array 19 Image sensor 20 ... Slit 21 ... Card handling control unit 22 ... Magnetic head control unit S001 to S023 ... Processing steps according to the first embodiment S101 to S113 ... Processing steps according to the second embodiment S201 to S214 ... Processing according to the third embodiment Step

Claims (4)

[Claims] 1. An automatic transaction apparatus for determining at least a transaction type and executing a transaction by inserting a transaction medium having a plurality of magnetic recording means, a determination means for determining an insertion direction of the transaction medium, and the determination means. An automatic transaction device, comprising: a control unit for displaying the transaction type according to the information in (1). 2. The automatic transaction apparatus according to claim 1, wherein the discriminating means for discriminating the inserting direction of the transaction medium has a function of detecting a variation in the thickness of the transaction medium. 3. The automatic transaction apparatus according to claim 1, wherein the determination means for determining the insertion direction of the transaction medium has a function of optically reading embossed characters / symbols on the surface of the transaction medium. 4. The automatic transaction according to claim 1, wherein the determination means for determining the insertion direction of the transaction medium has a function of recognizing the character data recorded on the surface of the transaction medium as a character or a symbol. apparatus.