JPH09138879A - Automatic transaction device with instantaneous card issuing function - Google Patents

Abstract

PROBLEM TO BE SOLVED: To leave evidence/record that a plastic card is used when the card is used in ATM later by recording a magnetic strip and forming words/graphies showing the card characteristic in a visual form on the card. SOLUTION: A magnetic head 93 for reading/writing information recorded in the electronic card, a thermal transfer printer part 114 forming an image which can be viewed or which can be touched on the surface of the electronic card and a touch panel inputting data for generating the new electronic card are provided. The magnetic head 93 writes magnetic information into the electronic card based on data inputted by means of the touch panel and the image which can be viewed or touched is formed on the surface of the electronic card. The electronic card where such picture information us formed is issued as the new electronic card.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a face-to-face automatic operation device such as an automatic transaction device for automatically performing a currency transaction such as a deposit transaction and a withdrawal transaction by a user's operation in a financial institution.

[0002]

2. Description of the Related Art The spread of ATMs (automated transaction devices) of financial institutions has been remarkable, and 70% of bank business operations have been processed by ATMs. For that reason, at the beginning, we expanded our handling business from simple deposit / withdrawal transactions to transfers / transfers and collection of public money.

At present, ATM cannot handle
The remaining work is to open a new account, and there is a strong demand to install this function. The difficulty of opening a new account at an ATM lies in the confirmation of the person himself, and the opening of an account at a conventional counter had to register a seal.

However, an apparatus is being proposed which can open a new account by mounting another personal identification means instead of the seal stamp. Due to the complexity of operations and procedures, these devices cannot be executed by the user alone, and the operation proceeds while interacting with a remote staff member through the device. For example, if you do not know how to operate it, you can consult with a staff member, put documents such as identification documents in the scanner and send it as image information, or a remote staff member can confirm and input data. There is. As a result, it became possible to open an account in a short time and issue a card on the spot.

[0005]

However, although the card issued here has predetermined information recorded on its magnetic stripe, the card name is not embossed. Embossing is the process of engraving a name and account number on a plastic card with a mold as embossed characters. Conventionally, when the card is inserted into the device using ATM, the emboss is imprinted. By recording it in the device, it has been utilized as a means to prove that the card has been used.

[0006] When an unembossed card is issued, the magnetic stripe information allows payment at the ATM, but it is impossible to leave proof that the card has been used. There is.

The present invention has been made in view of the above points, and has a relatively simple structure, and in a system for immediately issuing a card when opening a new account, it is possible to visually record a magnetic stripe on a plastic card at the same time. To be able to form words / figures that show the uniqueness of the card,
It is to provide a system capable of leaving proof / record that the card has been used when the card is subsequently used in ATM.

[0008]

An automatic transaction device with an immediate card issuing function according to a first aspect of the present invention is a storage means for storing an electronic card capable of electronically reading / writing information.
In order to issue a new electronic card, an input means for inputting personal information of the user, and an electronic device stored in the storage means based on the personal information of the user input by the input means The storage means for storing information in the card and the surface of the electronic card in which the information is stored in the storage means can be visually or Means for forming tactile image information,
And a means for issuing an electronic card on the surface of which image information visible or tactile is formed by the forming means as a new electronic card.

According to a second aspect of the present invention, there is provided an automatic transaction apparatus with an immediate card issuing function, wherein the electronic card has a magnetic stripe storage section or an IC memory section in which information is stored by the storage means. It is characterized by

According to the third aspect of the present invention, there is provided an automatic transaction apparatus with an immediate card issuing function, wherein the means for forming an image according to the first aspect has a means for forming information on the surface of the electronic card in which information is stored by the storage means. It is characterized in that an embossed embossed character or an image and a character are printed based on the personal information of the user inputted by the input means.

According to another aspect of the present invention, there is provided an automatic transaction apparatus with an immediate card issuing function, a storage means for storing an electronic card capable of electronically reading / writing electronic information, and a new electronic card. To issue personal information, the information is input to the electronic card stored in the storage means based on the input means for inputting the personal information of the user and the personal information input by the input means. On the surface of the storage means for storing and the electronic card on which the information is stored by the storage means, visual or tactile image information is displayed based on the user's personal information input by the input means. A means for forming an image and storing the image information, and a means for issuing an electronic card on the surface of which visual information or tactile image information is formed by the forming means as a new electronic card. It is characterized by having.

According to another aspect of the present invention, there is provided an automatic transaction apparatus with an immediate card issuing function, a storage means for storing an electronic card capable of electronically reading / writing electronic information, and a camera for photographing a user. The device, the input means for inputting the personal information of the user for issuing a new electronic card, and the storing means based on the personal information of the user input by the input means. Storing means for storing information in the electronic card, and on the surface of the electronic card in which the information is stored in the storing means, based on the user's personal information input by the input means, Means for forming visible or tactile image information and storing the image information, and an electronic camera on the surface of which image information photographed by the camera device visible or tactile by the forming means is formed. -A new electronic card Characterized by comprising a means for issuing.

According to another aspect of the present invention, there is provided an automatic transaction device with an immediate card issuing function, which combines a medium reading means for reading information associated with a medium and information read by the plurality of medium reading means to provide a user's information. It is characterized by comprising means for inputting personal information and display means for displaying operation guidance.

[0014]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 2 is a perspective view of an automatic transaction device with a scanner. For example, an automatic transaction device (for example, an automated teller machine installed in a bank's business office and capable of transactions such as deposit, withdrawal, transfer, balance inquiry, and passbook entry)
FIG.

In FIG. 2, reference numeral 11 is a housing of the automatic transaction device. On the front surface of the housing 11, a substantially L-shaped customer service operating section 12 having a vertical surface 12a, an inclined surface 12b, and a horizontal surface 12c is formed as an operation surface.

On the inclined surface 12b of the customer service operating section 12,
A banknote slot 13 having an openable / closable lid for receiving a large number of banknotes in a batch and receiving the discharged banknotes in a batch, and a large number of coins can be inserted in a batch, and the ejected coins A coin slot 14 having an openable and closable lid is provided for collectively receiving.

Further, the handset 15 is attached to one end of the inclined surface 12b so as to be embedded therein. Further, between the bill slot 13 and the coin slot 14, a small video camera device 16 including a CCD image pickup device and a voice guide speaker 17 are provided, and the other end of the inclined surface 12b is provided. A clerk button 18 for calling a clerk is provided.

Further, on the horizontal surface of the customer service operating section 12, a rectangular panel 20 to which a rectangular transparent touch panel 19 which allows input of predetermined information by touching a finger on the surface is attached is provided on the inner side. It is attached so as to be rotatable around an axis along it.

Further, as shown in FIG. 4, the touch panel 1
A color liquid crystal display device 21 is embedded so as to face the lower surface of the liquid crystal display device 9. A scanner device 22 is embedded in the lower surface of the panel 20. Here, 22 a is a glass surface of the scanner device 22.

In addition, the touch panel 19 is a segment part of the touch panel 19 for various operation keys such as numbers for inputting operation guidance procedures and other information such as characters, wording, illustrations or image information, katakana characters, and English characters. By touching with a finger, desired key input (input of various transaction information, etc.) can be performed.

The touch panel 19 and the liquid crystal display device 21 form a touch panel input device 22. In addition, on the vertical surface of the customer service operating unit 12, a magnetic card as a transaction medium in which a password number, an account number, etc. are recorded, or a transfer voucher for a transfer transaction is accepted and a transaction content is printed. Card port 3 for discharging (specification)
1. Similarly, a passbook slot 32 for accepting a magnetic passbook as a transaction medium is provided.

On the other hand, inside the housing 11, there is a card port 31.
The card reader / receiver printer unit 41 corresponds to the passbook printer unit 4 corresponding to the passbook port 32.
2 is a banknote deposit / withdrawal unit 43 corresponding to the banknote slot 13.
However, coin deposit / withdrawal units 44 are provided corresponding to the coin ports 14, respectively. In addition, in the lower part of the housing 11,
A control unit 45 that controls the apparatus is provided.

Next, a cross-sectional view of the scanner device 22 will be described with reference to FIGS. In FIG. 5A, a guide rod 51 is arranged below the glass surface 22a. An optical unit 52 is slidably attached to the guide rod 51. An array type LED 53 and an array CCD 54 are built in the optical unit 52. And array type LE
The light emitted from D53 is reflected by the document P placed on the glass surface 22a, and then enters the array CCD 54.

The optical unit 52 is conveyed by the belt 55. The belt 55 is driven by the motor 56. As shown in FIG. 5B, the video camera 16 is attached to a holder so as to be rotatable around a shaft 16a, and its shooting direction can be adjusted. Camera 16
The front side of the is equipped with a half mirror 16b, and its photographing direction can be adjusted. Further, a voice guidance speaker 16c is provided inside the half mirror 16b.

The handset 15 is attached so as to be embedded in the B side (FIG. 4), and is lightly held by the magnet 23 when attached. The cable 29 has a structure in which it is wound by the cable winding device 30, and even if the handset 15 is once held in the hand and the cable 29 is pulled out, the cable 29 is wound when it is returned to the original position.

Next, a control block diagram of the automatic transaction apparatus will be described with reference to FIG. In FIG. 6, reference numeral 45 is a main control unit that controls the automatic transaction apparatus. The main control unit 45 has a storage unit 7 for storing various data.
1, a host computer 61, a transmission control unit 72 for exchanging data transmission with the dialogue terminal 62, and a power source 73 are connected.

A card / receipt unit 41, a passbook printer 42, a bill deposit / withdrawal unit 43, and a coin deposit / withdrawal unit 44 are connected to the main control unit 45. Further, a customer service controller 74 is connected to the main controller 45. This customer service control unit 74
A handset 15, a video camera 16, a voice guidance 17, an attendant call button 18, a touch panel 19, and a scanner 22 are connected to the.

Next, with reference to FIG. 7, a detailed structure of the card / receipt section 41 of FIG. 6 will be described. FIG. 7 shows a circuit block related to the card reader / receipt printer 41, which is a main component of the present invention.

Reference numeral 41 designates a card reader 81, a journal printer 82, a receipt printer 83, a card issuing unit 84, and a unit shown in FIG.
Consists of

First, the card reader 81 is connected to the card entrance 9
The magnetic card C inserted from No. 1 is received, it is conveyed inside by the roller pair 92, and the data of the magnetic stripe C1 (FIG. 1) is read / written by the central magnetic head 93.
When it is conveyed further behind this card reader 81, LE
Image reader 96 composed of D94 and CCD95
The image of the embossed area C3 (FIG. 1) of the card C on which the card is conveyed is taken in.

A shutter 97 is provided in the vicinity of the entrance to open only when a card is to be received and prevents the insertion of another card when the card is already inserted.

By the function of the card reader 81, the account number of the magnetic card brought by the user is read, and by marching with the password to be separately input, the user is authenticated and the card is certainly accepted. It is possible to obtain an embossed record that it has been released.

The card reader 81 is also provided with an IC card read / write contact, and standard IC card read / write is also possible via this contact.

Next, in the journal printer 82, a cylindrical thermosensitive recording journal paper 98 is set and conveyed by a roller pair 82, and the thermal print head 1 in the middle thereof is set.
00, transaction records (transaction date, account number, transaction type,
Character data such as transaction amount and emboss data of the card) are printed and wound on the winding shaft 101.

The receipt printer 83 sets the thermal recording journal paper 102, conveys it by the roller pair 103, and prints the data as a record of transaction record to the user by the thermal print head 104 in the middle of the transfer. After printing, the cutter 105 cuts into one transaction length, which is conveyed by the belt 106 and discharged from the card slot 91. In addition, 107 is a collection box of the receipt that has been forgotten,
When the user does not pull out the receipt even for a predetermined time, the belt is reversed and the receipt is collected and stored.

Next, the card issuing section 84 includes a card accommodating section 108, a thermal transfer printer section 109, and an embossing section 1.
10 cards are taken out from the card storage unit 108, and after printing the name and face photograph etc. on the surface, the account number etc. are molded as embossed embossed characters by the press mechanism. .

The card housing portion 108 has a spring 111.
A raw card C on a plate 112 biased upward by
(FIG. 1) (a) is horizontally stacked and accumulated, and the uppermost card is sent to the next thermal transfer printer unit 114 by the feeding roller 113.

The thermal transfer printer unit 114 includes the platen 1
A thermal head 116 is provided to face 15 and a transfer thermal ribbon 117 separately coated in four colors (yellow / magenta / cyan / black) is arranged so as to be driven in synchronization with the running of the card. Has been done.

The printer 114 prints the captured face photograph of the user, the kanji name and the account number by another input means. Since the face photograph is in color printing, the card C is printed using the YMC ribbon. The image is formed by reciprocating three times, and characters are printed with a black ribbon.

As a result, the card C is in the state shown in FIG. 1 (b). Next, the card C is sent to the embossing molding unit 110. The embossing forming portion 110 has a punch / die 118/119 capable of selectively moving a predetermined character punch to a press position, and by pressing the punch with an eccentric cam 120, an embossed embossed character is formed. To form. In addition, 121 is a hydraulic cylinder, and the boosting lever mechanism 122 doubles the applied pressure,
By transmitting this to the eccentric cam 120, a large pressing force is realized.

As a result, the card in the state shown in FIG. 1 (c) is obtained. This is further conveyed to the card reader 51 for magnetic recording, and the image reader 119 reads the surface of the card.

The unit controller 85 is controlled by the unit control CPU 123 so that each circuit or mechanism operates according to a predetermined program, and 124 is a memory for storing this program. After reading the previous card, first, the image of the card C read by the CCD 95 of the image reader 96 is A / D converted by the A / D converter 125, and then L by the shading correction circuit 126.
The fluctuation of the image data due to the insufficient variation of the peripheral light amount of the ED 94 is corrected, and the gamma correction circuit 127 performs the gamma correction.

The two-dimensional image data corrected as described above is subjected to two selective circuit processes. The first is the halftone processing circuit 128, which emphasizes black data only in the embossed outline portion while leaving the original image.
Make sure that the embossing is not buried in the image.

This data is sent to the print buffer 129,
After editing for printing with other character data,
This is printed by the print head 100 of the journal printer 82.

What is printed here is C5 [image image recording]. The second is the contour extraction circuit 130, which emphasizes the black data in the contour portion of the emboss and erases the intermediate tone of the image on the other card surface to reduce the bit amount of black. This becomes the data of [Contour recording], and the data amount is
It is compressed to about 1/10 of [Screen image recording].

This is temporarily stored in the transmission / reception buffer 131 and then transmitted to the main control unit 45. Main control unit 4
5, the main control CPU 132 uses the program information stored in the RAM 133 and the hard disk 134 to execute the AT.
Although it controls the operation of the entire M, the image data received via the internal transmission interface 135 is stored together with other transaction record character data in the MO device 136 which is used as an electronic journal for each transaction. To go. The MO device 136 is for reading / writing on a removable magneto-optical disk, and is capable of searching data with another personal computer or the like.

Next, the operation of the card speed issuing new contract ATM will be described with reference to the flowcharts of FIGS. The initial screen is 8a, and in addition to ordinary deposit, withdrawal, and other transactions, there are three buttons for [consultation], [delivery], and [account opening]. When you press these three buttons, you will be connected to the remote interactive terminal 62 at the required timing,
It switches to a mode in which the ATM is operated while interacting with the staff operating the terminal using voice and images.

For example, when [delivery] is pressed, the screen is switched and various [delivery] items can be specified. For example, [Address Change Notification] is a notification when the account holder moves.

[Account Closure Report] is a report for promptly delivering an account confirmation medium such as a card, a passbook, or a seal stamp, and temporarily closing the account. [Automatic withdrawal notification] is a notification to start automatic withdrawal of utility charges such as electricity and gas, or a notification to stop / interrupt the withdrawal.

When the "address change report" button is pressed, the program switches to the address change report mode. The operation of opening a new account, which is the point of the present invention, will be mainly described below. First, press the [Open new account] button (step S
1) Then, it is assumed that a card loan is selected from among the various events (step S2).

The screen becomes (8b) and requests the presentation of a proof means for certifying that the person is the correct person. Select one of various identification cards. For example, assuming that the driver's license is selected (step S3), the driver's license is an IC card, and the driver's license is inserted into the card reader 81 (step S4) to control the information about the person via the IC contact. Enter in the department. At this time, the image of the license is captured by the image reader 96 and printed and recorded in the journal 102.

Next, when the screen 8c is displayed and "OK" is displayed (step S5), a facial photograph of the user is taken and the image is captured (step S6). Further, the image of the entire license is captured by the scanner 44 and transmitted to the terminal of the window clerk (step S7).

Next, the user inserts the card for the repayment and withdrawal account of the loan (step S8), and inputs the password for this (step S9). With the above, the user's name and address were entered using two media, a license and a card. The control unit checks if they match, and
If it is K, the user is identified as an authorized person.

The information obtained from the above medium information is displayed on the confirmation screen, and the card is issued by the user's confirmation (step S11), and the contract concerning the use is printed and issued by the receipt printer 53. , Card is issued (step S13), and a series of handling for opening a new account is completed.

As described above, in a system for issuing a card immediately when a new account is opened with a relatively simple structure, a magnetic stripe is recorded on a plastic card, and at the same time, a word / text showing the uniqueness of the card in a visible form. It is possible to provide a system that allows graphics to be formed and then, when the card is subsequently used in an ATM, leave proof / record that the card has been used.

It is possible to confirm the eligibility of the person based on the IC card information of the driver's license, and it is possible to record an image of this license. The new card is not only magnetically recorded, but it is also possible to print face photographs and account data, and to record embossing, so it is difficult to tamper with, and it is possible to leave a record when using ATM later. A journal record of what the card screen image was when the card was issued can be recorded.

[0057]

As described in detail above, according to the present invention, in a system for issuing a card immediately when a new account is opened with a relatively simple structure, a magnetic stripe can be recorded on a plastic card and a visible form can be obtained at the same time. It is possible to form a text / graphic showing the uniqueness of the card, and when the card is subsequently used in an ATM, evidence / record that the card has been used can be left.

[Brief description of the drawings]

FIG. 1 is a diagram showing a bank card.

FIG. 2 is a perspective view of an automatic transaction device.

FIG. 3 is a diagram showing a state in which a panel of the automatic transaction device is opened.

FIG. 4 is a side view of the automatic transaction device.

FIG. 5 is a sectional view of the scanner.

FIG. 6 is a control block diagram.

FIG. 7 is a diagram showing a detailed configuration of a card / receipt section 41.

FIG. 8 is a part of a flowchart for explaining the operation.

FIG. 9 is a part of a flowchart for explaining the operation.

[Explanation of symbols]

11 ... Housing, 12 Customer service section, 13 ... Banknote slot, 14 ... Coin slot, 15 ... Handset, 16 ... Video camera device,
17 ... speaker for voice guidance, 18 ... button for staff, 19
... touch panel, 21 ... liquid crystal display device, 22 ... scanner device, 41 ... card reader, 81 ... card reader, 82
... Journal printer, 83 ... Receipt printer, 84
... card issuing unit, 85 ... unit control unit.

Claims (6)

[Claims] 1. Storage means for storing an electronic card capable of electronically reading / writing electronic information, and input for inputting personal information of a user in order to issue a new electronic card. Means, storage means for storing information in the electronic card housed in the housing means based on the personal information of the user inputted by the input means, and information stored in the memory means. And a means for image-forming visually or tactile image information on the surface of the electronic card based on the personal information of the user inputted by the input means, and the visual or tactile sense by this forming means. An automatic transaction device with an immediate card issuing function, comprising means for issuing an electronic card on the surface of which possible image information is formed as a new electronic card. 2. The instant card according to claim 1, wherein the electronic card has a magnetic stripe storage unit or an IC memory unit in which information is stored by the storage unit.
An automatic transaction device with a issuing function. 3. The means for forming the image is embossed on the surface of the electronic card in which the information is stored by the storage means, based on the personal information of the user input by the input means. The automatic transaction device with an immediate card issuing function according to claim 1, wherein the image and the character with the embossed characters are printed. 4. An accommodating means for accommodating an electronic card capable of electronically reading / writing electronic information, and an input for inputting personal information of a user in order to issue a new electronic card. Means, storage means for storing information in the electronic card housed in the housing means based on the personal information of the user inputted by the input means, and information stored in the memory means. A means for forming a visible or tactile image information on the surface of the electronic card based on the personal information of the user inputted by the input means and storing the image information; An automatic card issuing function comprising means for issuing an electronic card on the surface of which image information visible or tactile can be formed by a forming means as a new electronic card. Trading equipment. 5. An accommodating means for accommodating an electronic card capable of electronically reading / writing information, a camera device for photographing a user, and issuing a new electronic card, Input means for inputting personal information of the user, and storage means for storing information in the electronic card stored in the storage means based on the personal information of the user input by this input means, On the surface of the electronic card in which information is stored by the storage means, image information that can be visually or tactilely formed is formed on the surface of the electronic card based on the personal information of the user input by the input means. A means for storing the image information and a means for issuing an electronic card, on the surface of which the image information photographed by the camera device visible or tactile by the forming means is formed, as a new electronic card. Immediate car characterized by having Issuing function with automatic teller machine. 6. A medium reading means for reading information associated with the medium, a means for inputting user's personal information by combining the information read by the plurality of medium reading means, and a display means for displaying operation guidance. An automatic transaction device with an immediate card issuing function, characterized by being equipped with.