JPS5828276Y2 - Jidoutorihikisouchi - Google Patents

Description

[Detailed Description of the Invention] This invention relates to an automatic transaction device that uses a card to directly transact money, goods, etc. between a user and the device.

The following transaction means are widely known in automatic transaction devices, such as automatic teller machines (hereinafter referred to as CDs), that perform transactions using conventional cards of this type.

In other words, a card is given to the user in advance, and at the time of transaction, by presenting this card on a CD and keying in the PIN number, transaction amount, etc., the requested cash is paid and a receipt is issued. The card notifies the user of the withdrawn amount, balance, date, etc., and also rewrites the value information (balance information) recorded on the card to the new balance at the end of the current transaction, and then returns it to the recipient. This ends one transaction.

At this time, it is necessary for the CD side to determine whether or not the card transaction is being carried out by a legitimate person, but conventionally, the PIN number recorded on the card and the PIN number entered by the user's operation are combined. It is determined whether or not a transaction is made by a genuine user only by comparing the numbers.

Furthermore, in order to prevent unauthorized use of the card, some devices are provided with means to invalidate the card if the person using the card makes a mistake in inputting the PIN number more than a predetermined number of times.

However, when registering a PIN number, users often use their date of birth, home phone number, etc. as easy-to-memorize numbers, and in such cases, it is difficult for someone who illegally obtained the card to know the PIN number. It is relatively easy to do so, and therefore, the conventional means for determining whether or not a transaction is possible cannot reliably prevent fraudulent transactions.

In addition, in the above-mentioned conventional means for determining whether a transaction is possible or not, when a genuine cart user is inputting a PIN number into a CD, another person intentionally steals the PIN number that has been manipulated and then steals the user's card. By obtaining by some means,
A fraudulent transaction will be completed.

For these various reasons, the conventional means for determining whether a transaction is possible or not has a problem in terms of reliability in preventing fraudulent card use.

This idea was created in view of the above circumstances, and records the user's own memorization information and limited usage time information that allows the card to be used only during a predetermined time of the day on the card owned by the user. In advance, when making a transaction using the card, the above recitation information is compared and checked, and the above limited usage time information is also compared and checked, and based on the results of both comparisons, it is determined that the user is a genuine user. The purpose of the present invention is to provide an automatic transaction device that is configured to determine whether a transaction is possible or not, and is capable of avoiding transactions due to fraudulent card use as much as possible without complicating operations for users. do.

Referring to the drawings below, this invention was developed into a cash dispenser (CD).
An example of use will be described below.

FIG. 1 shows the external appearance of the CD main body. On the front side of the CD main body 11, there is an operation guide window 12 that displays the operation procedure, and according to the contents displayed on the operation guide window 12, the recitation number, transaction amount, etc. A keyboard 13 for inputting information, a payment port 14 for discharging cash, transaction slips, etc. upon conclusion of a transaction are provided, and a card brought by the user is taken in at the beginning of the transaction, and a payment port 14 is provided at the time of the transaction. car to be discharged)
An N person ejection port 15 is provided, and this card insertion ejection port 15
A card reading/writing mechanism 16 including a transport mechanism is provided within the CD body 11 in communication with the CD body 11 .

This card reading/writing mechanism 16 detects when a card with a magnetic stripe (described later) is inserted into the card insertion/ejection port 15, reads the card, and reads the information recorded on the magnetic stripe (described later). After reading all the information on the magnetic stripe (in other words, after detecting that the card has been conveyed to the end), an ejection operation is performed, and during this ejection operation, a designated recording block (described later) on the magnetic stripe is read. It has a function of writing and erasing data (for example), and is configured as shown in FIG. 2, for example.

FIG. 2 shows a configuration in which the card receiving and reading operations and the ejecting, writing, and erasing operations are performed by reciprocating the same conveyance path.
1 is a photocoupler consisting of a light emitting element 21a and a light receiving element 21b for detecting that a card (ID/C) is inserted into the card insertion/ejection port 15; 22, 22, . . . are a motor 23, pulleys 24, 24; ..., belt 25, 2
a roller whose rotation is controlled by a drive mechanism consisting of 5, etc., 2;
6 is a photocoupler consisting of a light emitting element 26a and a light receiving element 26b for detecting that the card (ID-C) has been accepted at terminal 1; 27 is a photocoupler that scans the magnetic stripe of the card (ID-C) to obtain information; a read/write head (hereinafter referred to as R/W head) that reads and writes;
Reference numeral 28 denotes an erasing head (hereinafter referred to as E head) for erasing information of a designated block among the information recorded on the magnet/drive, and 29, 29, . . . guide plates forming a shrine passage.

When the card (ID-C) is inserted into the card insertion/ejection port 15, it is detected by the photocoupler 21, and this detection signal is sent to the R/W control section, which will be described later. A drive command is issued to take in the card, and the motor 23 is thereby controlled to rotate in the direction of arrow a, causing the rollers 22, 22, . . . to rotate in the direction of arrow a, and the inserted card (ID -C) is conveyed in the direction of arrow C.

During this transportation, the magnetic stripe of the card (ID-C) passes over the R/W hand 27,
Various code information recorded on the magnetic stripe is read out, and this information is sent to each control section described later.

When the card (ID-C) is further conveyed to the end of the conveyance path, it is transferred to the photocoupler 26. This detection signal is sent to the R/W control section to temporarily stop the motor.

Therefore, when ejecting the card (ID-C) after obtaining the result information for this transaction, the R/W control section first outputs the captured card (ID-C). A drive command for ejecting is issued, which causes the motor 23 to rotate in the direction of the arrow and transport the card (ID-C) in the direction of the arrow d.During this transport, the magnetic field of the card (ID-C) is When the side/drive passes over the R/W head 27 and the E head 28, current transaction result information, such as the latest value information ( balance information, etc.) are written, information in other designated blocks is erased, and then the card is sent to the card ejection port 15.

Also, inside the DC main body 11 shown in FIG.
A receipt issuing department is provided for contacting the company and issuing transaction slips, ie, receipts.

When a transaction is concluded, this receipt issuing unit 17 prints the account number, current and previous transaction dates, payment amount, and balance amount in predetermined columns of the built-in paper, and also generates reference information to be described later. Print out the reference code for the current transaction outputted from the department and the reference code for the previous transaction recorded on the card (ID-C), and then transfer it to the payment slot 14.
It is configured as shown in FIG. 3, for example.

That is, in FIG. 3, the receipt paper 33 stored in the stacker 32, which is folded at a perforation and can be taken out freely, is fed out together with the receipt paper 31, and the same contents as the receipt are recorded ( printed),
A journal tape wound into a roll to be stored on the CD administrator side after recording, 34 and 35 are feed-out rollers, 36 is a platen, and 37 is arranged opposite to the platen 36 with the receipt paper 31 and journal tape 33 sandwiched therebetween. The dot print head 138 drives and controls the dot print head 37 based on data from a receipt print control section, which will be described later.The print control section 39 cuts the printed receipt paper 31 at the perforation line and processes the current transaction. A canter 40 for cutting a receipt into a single receipt is a guide mechanism for feeding the receipt obtained by cutting it with the canter 39 to the payment port 14 shown in FIG. 1 above.

When a transaction is established, print data corresponding to the account number, transaction date, payment amount, and balance amount, and print data corresponding to a receipt issue number obtained from a receipt number generator, which will be described later, are sequentially sent to the print control unit 38. The dot print head 37 is driven based on these data.
Printing is performed on receipt paper 31 and journal tape 33 via a copying medium (not shown).

After printing, the journal tape 33 is wound up, and the receipt paper 31 is cut by a cutter 39 and guided as a single receipt by a guide mechanism 40 to the payment port 14.

Here, an example of the configuration of the above card (ID-C) is shown in Figure 4a.
To explain with reference to b, a magnetic stripe 42 is attached to one side of the card space 41 along the longitudinal direction (card conveyance direction), and this magnetic stripe 42 has the following characteristics:
□ Recording block 42a1 for fixedly recording the code indicating the account number Recording block 42b1 for fixedly recording the identification code corresponding to the PIN number Value information (for example, balance), date information, and receipt for each multiple transaction Multiple recording blocks 4 for recording transaction result information such as numbers
2c, 42c... and this block 42c.
Recording block 42d8.42dE for recording start mark 1 end mark, etc. indicating the start and end of ...
etc. are allocated, and a recording puncture 42f for recording limited use time period information (hereinafter referred to as limited use time period information) that allows the user to use the service only during a certain predetermined time period of the day is allocated. It will be done.

Expressing this in a data format, for example, as shown in Figure 4, the first recording block 42a is a multi-digit code indicating an account number (for example, 1234567), and the next block 42b is an identification code (for example, fixed recitation information). 13
57), the following block 42f contains data [T11 to T13] indicating the limited use time period, and the subsequent block 42d8 contains the block 42 at the end of the start code ST1.
The end code ED, etc. are recorded in advance in each dE, and these contents are fixed without being rewritten, but the contents of the above block 42f can be rewritten by the CL) administrator at the user's request. It is possible.

Block 4 in which the above start code ST is recorded
Block 42d in which 2d8 and end code ED are recorded
A plurality of recording blocks 42c, 42c...
contains new and old transaction result information, such as a date code indicating the year, month, and day of the transaction, a receipt number for each transaction,
and value data indicating the balance (for example, in units of 1,000 yen), etc. are sequentially written to the blank blocks (including erased blanks) indicated by X0OO each time a transaction is made, and a predetermined number of blocks At the time of a transaction after the above-mentioned transaction result information is recorded, the information is erased in order from the oldest information.

Furthermore, FIG. 5 shows the main parts of the control system circuit that controls the card reading and writing mechanism 16, the receipt issuing unit 17, etc., and also performs various controls such as verification control based on a fixed PIN number and limited usage information. It shows the composition, 51
receives the respective outputs of the light receiving elements 21b and 26b shown in FIG. 52 is the R/W head 2 shown in FIG.
A read amplifier (hereinafter referred to as an R amplifier) amplifies the various code data of the magnetic stripe 42 read at 7 and shapes the waveform; 42
a.

42b... is temporarily held in block units, readout is controlled by an arithmetic control unit to be described later, and the data is stored in blocks during ejection operation (transportation in the direction of arrow d) of the card (ID-C). Each read data for each unit is
A reading control unit (hereinafter referred to as R control unit) that sends data to the /W control unit 51, 54 is the keyboard 1 shown in FIG. 1 above.
An input control section 55 temporarily stores and outputs the operation signal 3 as coded data corresponding to the operation key, and 55 stores transaction date information recorded on a card (ID-C), receipt, etc. as coded data. The output digital date setter 56 detects the value information (balance) at the time of the previous transaction from the data of each block sent from the R control unit 43, and based on this value information, the input control unit 54 The latest value information (balance) is obtained from the current transaction amount (withdrawal amount) sent by the controller and is temporarily stored, and after this latest value information is obtained, the card (ID-C) is commanded to be ejected. It is sent to the RAW control unit 51, and further sent to the card (I
When the R control unit 53 detects an X0OO code (for example, all focus tt On state) indicating that the recording block 42c has not been written during the ejection operation of the recording block 42c, the latest In addition to issuing a write command to write transaction result information including value information of 57 is a write control unit (hereinafter referred to as W control unit) that controls the output of the latest value information and date information obtained from this calculation control unit 56 in accordance with the write command; 58 is this W control unit 57; The data output from the R
This is a write amplifier (hereinafter referred to as W amplifier) that supplies the /W head 27.

Further, 59 is an erasure control unit which sends an erasure signal to the E head 28 shown in FIG. a payment control unit 61 that controls the payment of cash corresponding to the payment amount by subsequent keyboard operations when the verification results match.
is a cash payment device accessed by this payment control section 60; 62 is a receipt printer control section that drives and controls the receipt issuing section 11 shown in FIG. The device number generator 64 and the device number obtained from this generator 64 are preset to the upper two digits, and the upper three digits are preset.
This is a receipt number generator consisting of a digit register 65, etc., into which the transaction circuit data obtained from the receipt printer control section 62 is input into the digits to the least significant digits.

The value of the transaction number data set in the receipt number generator 630 digitizer 65 can be set to an arbitrary value (precent) by manually operating the counter provided in the receipt printer control section 62. It has become.

The number code obtained from the receipt number generator 63 is sent to the receipt printer control section 62 when a transaction is established under the control of the arithmetic control section 56, and is also sent to the W control section 57 to be printed on the issued receipt. recorded,
Furthermore, it is recorded on the journal tape 33 and the blank recording block 42c of the card (ID-C).

The receipt issued at this time includes the transaction date information obtained from the date setter 55, the receipt number for the current withdrawal obtained from the receipt number generator 63, the account number read by the R/W head 27, and the current transaction date information obtained from the date setter 55. The payment amount and balance at the time of withdrawal, the transaction date and receipt number of the previous transaction recorded on the card (ID-C) are printed, and an example of the receipt issued is shown in Figure 6. Shown below.

In addition, in FIG. 5 above, 66 sequentially performs the first verification based on the fixed PIN number and the second verification based on the limited usage time information, which is the gist of this invention, and calculates the results of each half of the process. It is a collation unit that sends data to the arithmetic control unit 56, and 67
1 is a clock unit that generates clock time data that is used as comparison information when checking the usage limited time zone information recorded in the recording pocket 42f of the card (ID-C).

In response to the first verification command issued from the arithmetic control section 56, the verification section 66 uses the identification code recorded in the recording block 42b obtained from the R control section 53 and the keyboard operation obtained from the input control section 54. It compares it with the input recitation number, and sends the comparison result data to the arithmetic control section 56.

If the arithmetic control unit 56 determines that the first verification result data indicates a match, it then controls to perform a second verification based on the restricted usage time period.

That is, a second verification command is issued to verify the time measurement data issued by the clock section 67 and the restricted usage time period of the recording block 42f obtained by the R control section 53.

If the content of the clocked time data outputted from the clock section 67 is within the limited use time zone, the verification result data indicating a match is sent to the arithmetic control section 56.

Based on the response contents to the first and second verification commands, that is, the verification results, the arithmetic control unit 56 determines whether or not the transaction is by a legitimate user.

At this time, for example, if you want to widen the usage time range only within a specific period, you must present the card (ID-C) to the CD administrator in advance and check whether it is your card. By having the contents of the recording block 42f rewritten to the desired range, transactions using the card can be made within a loosely limited time period only within that period.

Erasing control of the enclosed recording blocks 32c is performed, for example, as follows.

i.e. a pre-arranged unit of time, e.g.
The user and the CD administrator must make an agreement in advance that the balance will be notified to the user in units of units, and if there is no contact from the user side within the specified date, all transactions in the month in which the notification was made will be considered normal. This will be done between.

The arithmetic control unit 56 shown in FIG. Transaction date information (of the transaction result information obtained from 53)
A collation circuit is provided to collate the month information held in the storage unit, and the magnetic stripe 42
is provided with a number of recording blocks 42c (for example, 10 to 20) capable of recording transaction result information for more than the general maximum number of transactions in one month.

Then, when writing the transaction result information, erasing is performed on the erasable "P", and the current transaction result information is recorded starting from the block closest to the end code ED recording block 42dE among the erased recording blocks 42c. It is something.

In this way, when performing a transaction using the card (ID/C), at least the previous transaction result information will be stored in the recording block 4.
You can remain in 2c and use the card effectively.

Also, will the developer object to the contents of the notice within the above-mentioned deadline? If this happens, the code data corresponding to the user's account number is registered on a CD in the CPU (Central Processing Unit) provided, and the account is suspended from transactions.

Next, to explain the operation of the automatic transaction device in such a configuration, first, when making a transaction using a card (ID-C), the user follows the instructions displayed on the operation guide window 12 and Insert the card (ID/C) into card outlet 1
5, the insertion of this card (ID-C) is detected by the photocoupler 21, and this detection signal is sent to the R/
By being supplied to the W control unit 51, the motor 23 is rotationally controlled and the card (ID-C) capture operation is started.

When the magnetic stripe 42 provided on the card (ID-C) passes over the -RAW head 27, a block 42a is generated.

42b, etc. are sequentially read out, and this read data is temporarily held in the R control section 53, and data in response to a request from the arithmetic control section 56 is sent to the arithmetic control section 56. It will be done.

Then, the arithmetic control unit 56 transfers the multi-digit code indicating the account number read from the recording block 42a of the card (ID-C) to the CPU, and determines whether the account is a transaction suspended account by exchanging data with the CPU. The instruction content of the operation guide section 12 is controlled step by step to prompt the user to manually operate the keys for reciting the PIN number (fixed). Control is performed to send the code to the matching units 6.

When the keyboard 13 is operated and the recited number code generated by the key operation is buffered to the input control section, the first verification command is issued from the arithmetic control section 56, and as a result, the verification section 66 performs the key operation. PIN number and card (
A first comparison is performed using the identification code recorded in ID-C).

When a match is determined in the first verification using this recited number, a notification to that effect is sent to the arithmetic control unit 56, and the arithmetic control unit 56 reads the code and reads it out from the recording block 42f for second verification. The collation unit 66 compares the data indicating the restricted use time zone and the clocked time data obtained from the clock unit 67.
At the same time, a second verification command is issued.

As a result, the collation unit 66 verifies whether the measured time obtained from the clock unit 67 is within the set range of the limited use time zone, and if it is within the set range, a signal indicating a match is sent to the calculation control unit 56. .

Then, the arithmetic control unit 56 starts cash payment control for the first time after passing these 11th and 2nd verifications and determining a transactable account by transmitting and receiving data with the CPU, and the amount requested for withdrawal by the user's subsequent key operations is adjusted accordingly. If it is less than the current balance of the account, a control command is sent to the payment control unit 60 to pay the keyed-in amount, and as a result, the cash dispensing device 61 is accessed and cash corresponding to the keyed-in amount is transferred to the payment port 14. be discharged.

On the other hand, when the transaction is established, the receipt printer control section 62, R/W control section 51, R control section 53, etc. control the issuance of the receipt, control the recording of the journal tape 33, and control the recording of the card (ID-C). In the receipt issuing section 17, the receipt printer control section 62 controls the drive of the card (ID-C).
The account number recorded in the date setter 55, the installation date (year, month, day), the payment amount, the current balance based on the calculation result, the receipt number obtained from the receipt number generator 63, the date of the previous transaction. The previous transaction date, previous receipt number, etc. recorded on the card (ID-C) are recorded on the receipt paper 31 and the journal tape 33.

After printing, the journal tape 33 is sequentially wound up.
The printed receipt paper 31 is cut along the perforations and then discharged to the payment slot 14 as an issued receipt together with the withdrawn cash.

Furthermore, the card (ID-C) is controlled by the R/W control wholesaler 51.
), the value data (new balance) at the end of the current transaction, transaction date (year, month, day), receipt number, etc. are recorded in the writable recording block 42c indicated by ×OOO. Thereafter, the card is ejected from the card insertion/ejection port 15.

Then, the user receives the receipt and cash ejected to the payment port 14, and the card (I) ejected to the cart insertion/ejection port 15.
The transaction is completed by receiving D-C).

In this way, the first verification result based on the PIN number and the second verification result based on the limited use time information are used to determine whether or not the user is a legitimate user. Transactions due to fraudulent card use can be significantly avoided without increasing the operational burden.

In other words, another person (fraudulent transaction person) who intends to misuse the card (ID-C) uses some means to steal the card (ID-C).
), and even if you were to determine the PIN number, you would not be able to know the limited time period in which the card (ID-C) can be used, and therefore, the narrower the limited time period, the greater the risk of misuse. will disappear.

As detailed above, according to this invention, when making a transaction using a card, in addition to verifying the PIN number, it is also possible to ensure that the user only uses the card during predetermined hours of the day. By adding verification based on limited time period information and determining whether or not the transaction is by a legitimate user based on the results of each verification, the system does not increase the operational burden on the user. It is possible to provide an automatic transaction device that can significantly avoid transactions due to fraudulent use of cards.

[Brief explanation of the drawing]

The figure is for explaining one embodiment of this invention.
The figure is an external view of the CD, Figure 2 is a block diagram of the card reading/writing mechanism, Figure 3 is a block diagram of the receipt issuing unit, and Figure 4 a.
, b is an explanatory diagram of the structure of the card, FIG. 5 is a block diagram of the main circuit, and FIG. 6 is a recording format of the receipt. 11...CD body, 12...Operation guide window, 13...Keyboard, 14...Payment slot, 15...Card insertion/ejection slot , 16...
...Card reading and writing mechanism, 17...Receipt issuing unit, 27...R/W head, 28...
...E head, 42...magnetic stripe,
42a y 42b, 42C”-42dB t 4
2aE. 42f... Recording block, 51...R
/W control unit, 52...R amplifier, 53...
...R control section, 54... Input control section, 55...
... Upper setting device, 56 ... Arithmetic control section, 57
...W control section, 58...W amplifier, 59
... Erasing control section, 60 ... Payment control section, 61 ... Cash payment device, 62 ... Receipt printer control section, 63 ... -Receipt number generator, 66...Verification section, 67...Timekeeping section, D/C...Card.

Claims (1)

[Scope of utility model registration request] a card on which predetermined recitation information and limited available time information specific to the user are fixedly recorded; a reading mechanism that reads each of the recorded information when the card is loaded into the device; an operation input section for inputting information corresponding to the recitation information into the device; a timekeeping section for generating permissible setting information for the limited availability time information; and information obtained from the operation input section and the above reading. A collation unit that collates the recitation information read by the mechanism, and also collates the time information obtained from the timekeeping unit and the limited availability time information read by the reading mechanism, and a collation between the collation unit. An automatic transaction device comprising: an arithmetic and control unit that determines whether or not a transaction is made by a legitimate user based on the result.