JPS59178574A - Dealing medium for automatic dealing device - Google Patents

Abstract

PURPOSE:To heighten secrecy and increase memory capacity in a dealing medium for automatic dealing that stores information for allowing dealing with the dealing device by providing plural memory sections defferent in input/output system for storing information. CONSTITUTION:Input/output section of the dealing device 100 consists of a receiving and paying device 9, a card/bankbook device 10, a display/inputting device 11 and a voice guiding device 99 and controlled by a main controlling section 90 according to procedure of predetermined program memory 91. A dealing recording memory 92 records record of dealing in a floppy disk 93. The main control ling section 90 is connected to a CPU 94 through a circuit and works as a terminal of online automatic dealing. A monitoring device 95 is connected to plural automatic dealing devices and monitors the state of instruments. A monitoring camera 12 displays in a remote monitor 95 through an image switching device 97 and records in a picture recording device 98. Display of this monitor 95 and recording in the device 98 make recording of images only at the time of paying.

Description

[Detailed Description of the Invention] [Technical Field of the Invention] The present invention provides a method for automatic transaction devices that stores information for allowing transactions with automatic transaction devices such as cash deposit machines and cash dispensers. Regarding improvement of trading media.

[Technical background of the invention and its problems]

In recent years, automatic transaction devices such as cash deposit machines and cash dispensers have become widespread, and have achieved significant results in improving the counter operations of financial institutions.

Conventionally, this automated teller machine uses a magnetic card as a transaction medium on which false information such as personal authentication 1 and account confirmation is magnetically stored in order to allow transactions with the automated teller machine.

As described above, conventional devices have a structure in which only a magnetic storage section is provided for storing information that does not allow transactions, but there are problems in that the confidentiality of the storage is low and the storage capacity is small.

[Purpose of the invention]

The present invention has been made based on the above-mentioned circumstances, and its purpose is to provide a transaction medium for automatic transaction devices that has high storage confidentiality and can increase storage capacity. It is something.

[Summary of the invention]

In order to achieve such an object, the present invention provides a transaction medium for an automatic transaction device that stores information that allows transactions with the automatic transaction device, and has a different input/output method for storing the information. The configuration includes a plurality of storage units.

EXAMPLE Hereinafter, the present invention will be explained with reference to an example shown in the drawings. FIG. 1 shows the installed state of an automatic transaction device 100 having a banknote circulation depositing and dispensing function that uses deposited banknotes as withdrawal banknotes. 3 is installed facing the mechanized corner.

On the operation surface 2, a bill slot 4, a card/passbook slot 5, a display/input section 6, a monitoring window section 7, a user detection section 8, etc. are arranged. Correspondingly, various devices described below are stored. That is, the deposit/withdrawal unit 9 corresponds to the banknote entrance/exit 4, and the card/passbook unit 1 corresponds to the card/passbook entrance 5.
0, Display/input unit, corresponding to display/input section 6
, a surveillance camera 1 as a photographing means corresponding to the surveillance window section 7;
2. User detection units 13 are provided corresponding to the user detection units 8, respectively.

Next, the deposit/withdrawal unit 9 will be explained with reference to FIG. 2. At the upper front side (left side in the figure) of the housing 14, there is a bill inlet/output mechanism 15 so as to face the bill inlet/outlet 4.
At the rear of the housing 14 (on the right side in the figure), from the bottom, there are various safes, namely deposited unfit notes, non-payable 10,000 yen notes, 1000 yen notes, and 50000 yen notes that have been deposited. Loss of storing 1,000 yen notes/non-payment FiT≠/5,000 yen notes storage section 1
6. 1,000 yen bill storage section I7 for storing 1,000 yen bills for withdrawals and 1,000 yen coins other than horizontal rolls; 1,000 yen ticket storage for storing 1,000 yen bills for withdrawals and 10,000 yen deposit tickets other than horizontal rolls 18, and a collection warehouse 19 for storing forgotten banknotes. Further, inside the casing 14, an inspection section 20 for inspecting banknotes (P) and a temporary accumulation section 21 are provided, and a banknote transport path 22 is formed to transport banknotes (P) to each section. It looks like this. In addition, sorting dates 23a to 23e driven by rotary lenoid (not shown) are arranged at the branching part of the banknote conveyance path 22, and banknote passing detectors (not shown) are arranged at various places along the way. has been done.

Moreover, the banknote conveyance path 22 is formed like a barb. That is, a take-in conveyance path 22a is formed whose starting end is the banknote take-in/dispatch mechanism 15 provided corresponding to the banknote entrance/exit 4, and this take-in conveyance path 22a has an inspection section 20 in the middle.
The central conveyance path 22b is in communication with the central conveyance path 22b arranged at 64. In addition, this central conveyance path 22b is a divided conveyance path 22 along the direction in which the banknote storage sections 16, 17, and 18 are arranged.
It is in communication with c.

The divided conveyance path 22c has storage conveyance paths 22d and 22e for storing banknotes (P) in each banknote storage section 16, 17, 18 and the collection warehouse 19.

22f and 22g are branched. Furthermore, banknotes (P
) are in a state where the take-out conveyance paths 22h, 22i, and 22j that convey them merge.

Furthermore, the starting end of the central conveyance path 22b is connected to the terminal end of the segmented conveyance path 22c via the connecting conveyance path 22, and a branch is provided in the middle for conveying banknotes (P) to the temporary stacking section 2. The transport path 22t is branched.

Further, a delivery conveyance path 22m is provided for conveying banknotes (P) from the temporary stacking section 21 to the take-in/delivery mechanism 15.

Next, the flow of banknotes (P) at the time of deposit will be explained with reference to FIG. 3 (,). First, the banknotes (P...) inserted into the banknote slot 4 are sequentially taken in one by one by the loading/unloading mechanism 15 provided opposite the banknote slot 4.
It is fed into the central conveyance path 22b via the take-in conveyance path 228, and the face value and authenticity are determined by the inspection section 20 disposed in the middle of the central conveyance path 22b. As a result, in the case of a genuine bill, it is conveyed as it is through the central conveyance path 22b and fed into the sorting conveyance path 22c, as shown by the solid line arrow in the figure.
Sorting gates 23b, 23c, and 23d disposed at c selectively operate to selectively distribute the materials to storage conveyance paths 22d, 22e, and 221. Then, 5,000 yen notes and badly damaged notes that cannot be used as withdrawal banknotes are stored in the 5,000 yen bill storage section 16 for damaged/unpaid bills, and 1,000 yen notes are placed in the 1,000 yen labor storage section 17. Each of the outside items is stored in the storage section 18 worth 10,000 yen.

On the other hand, if it is determined to be a false charge, as shown by the broken line arrow in the figure, it is distributed to the side of the branched bulk conveyance path 22 by the delivery basket 23a, and is transferred to the temporary accumulation section via this branched conveyance path 22t. 21.

At this time, the banknotes (P) that can be stacked are stacked in an orderly manner by the impeller 25 so that they can be taken out all at once.

Then, when the banknote presence/absence detector 26 detects that the banknote (P) is missing from the banknote entrance/exit 4, the temporarily accumulated counterfeit banknotes are conveyed towards the banknote entrance/exit 4 via the delivery conveyance path 22m. Ru. At this time, the banknotes (P...) are held in a state where the ends of the banknotes (P...) protrude from the banknote slot D4 by the function of the banknote loading/discharging mechanism 15, so that the user can easily and collectively collect the banknotes (P...). It is constructed so that it can be pulled out.

Next, the flow of banknotes (P) at the time of withdrawal will be explained with reference to FIG. 3(b). According to the user's designation of the payment denomination, ie, 10,000 yen red, 1,000 yen strange, the extraction mechanism 24 is operated from the safe, ie, the 10,000 yen outer storage section 18 and the 1,000 yen group storage section 17, for each denomination.
The sheets are taken out one by one via the take-out conveyance path 22j,
22i, and is sent to the divided conveyance path 22c. Then, go straight on this divided conveyance path 22c and connect to the connecting conveyance path 22k.
to the central conveyance path 22b through the
Check whether you are skiing or skiing with o, etc., and click
It is determined whether the payment is "payable" or "payable".

Then, the banknotes (P) determined to be "Payment town" are sorted to the side along the branch conveyance path 22 via the sorting dart 23m as shown by the solid line arrow in the figure, and are accumulated in the temporary stacking section 21, where all the banknotes are After the withdrawal of the (P) is completed, the bills are dispensed all at once to the bill slot 4.

On the other hand, banknotes (P) such as skewed and two-sheet banknotes 9 that are determined to be "unpayable" by the inspection unit 20 are not sorted by the sorting gate 23a and are transferred to the central conveyance path 23, as shown by the broken line arrow in the figure.
2b and is fed into the divided conveyance path 22c. Then, it is configured such that it is sorted by the sorting case 2sb to the lowest storage conveyance path 22d and stored in the unfit/unpaid notes/5,000 yen red storage section 16.

Also, when depositing and withdrawing money, the banknotes (
P), if you forget to remove the intake conveyance path 22a1 central conveyance path 22b as shown by the solid line arrow in FIG.
1-section conveyance path 22C1 and top storage conveyance path 22
It is configured such that it is transported to the collection J 19 via the storage facility J19 and stored therein.

Next, referring to FIGS. 4 and 5, we will explain the IC memory card (C) which is a transaction medium and a magnetic passbook (hereinafter simply referred to as a passbook) (the card/passbook unit 10 having the function of handling barrels). The configuration will be explained. In the figure, 30 is a casing having an opening facing the card/passbook entrance 5, and inside this casing 30, the card/passbook entrance 5 is transported almost linearly. A channel 31 is formed.The card/passbook entrance 5 has an opening 32 approximately equal to the width of the bankbook (E) and a groove 33 approximately equal to the width of the IC memory card (C). The conveyance path 31 includes a plurality of roller pairs 34
. . . and a guide plate pair 35 .

One end of this conveyance path 3, that is, the card/passbook entrance 5
Optical sensors 36a to 36d11C memory card (
C) Card reading section 37 and solenoid 38
A shutter 39 for opening and closing the conveyance path 31 is sequentially provided. The card reading section 37 has a contact surface 40 provided on the upper surface side of the conveyance path 31 and a stand 41 that receives contact pressure. It is attached to a supporting lever 44 that moves.

Further, behind the shutter 39, that is, in the middle of the conveyance path 31, there are a reflective sensor 45 for detecting the bankbook mark and printed lines, and a magnetic head for reading the magnetic stripe of the bankbook (E). 46 are provided.

Furthermore, a printing device 47 is provided further behind these. This printing device 47 has a guide shaft 48.48.
It has a configuration including a printing head 50 mounted on a carriage head 49 that is guided by a carriage and can reciprocate in a direction perpendicular to the conveyance path 31, and an anvil 5 provided along the direction of movement of the print head 50. ing. Also, Anobil 5
A feeding portion of a roll paper 53 mounted on a reel 52 is hung around the paper 1, and its leading end is held by a pair of feed rollers 54 provided on the lower surface side of the conveyance path 31. C) The song is now played out. Further, a cutter 55 is provided near the feeding direction side of the pair of feed rollers 54 to cut the printed roll paper, and the rolled paper, that is, the slip 56 that has been torn by force, is cut by the pair of conveying rollers 54. . . . and a pair of guide plates 58 . . . and a pair of guide plates 58 . . .

In addition, at the other end of the conveyance path 31, that is, on the opposite side from the card/passbook entrance 5, transaction media such as an IC memory card (C), a passbook (E), a slip 56, etc. that the user has forgotten are stored. A collection box 60 for storing is provided.

Note that the IC memory card (C) is configured as shown in FIGS. 6 and 7. FIG. 6 shows the external appearance, and 61 is the surface layer, and this coating layer 61 includes an IC memory contact layer 62, a magnetic stripe f63 as a magnetic storage part,
An engraving part 64 expressing reverse characters is formed by a protrusion, and the overall appearance is similar to that of a conventional magnetic card. Further, the spreading layer 65 is coated with a conductor. FIG. 7 shows the conceptual structure of an IC memory card (C'), in which 63 is a magnetic stripe that records information such as account numbers and passwords using magnetic reversal. Information is written and read through. Reference numeral 66 denotes an IC memory, which is an LSI in which a contact section 62, an input/output control section 67, a central control section 68, and a storage section 69 are integrated at a high density, and the storage section 69 stores control procedures. Program memory 69a1
A readable/writable data memory 69b1 is constructed of a key garter memory 69c that is protected so that it cannot be read or rewritten by anyone outside the card.

Note that the magnetic stripe 63 of the IC memory card (C) records an account number, PIN number, etc., and the IC memory 66 records the same account number and PIN number as above, as well as a second PIN number. has been done.

If the PIN number recorded on the magnetic stripe 63 is keyed in, the IC memory 66 restricts transactions, for example, to a maximum of 100,000 yen per day, and is completely unreadable by a third party. When the second password recorded on the device is keyed in, the device is controlled so as not to restrict transactions.

When, for example, an IC memory card (C) is inserted into the card/passbook entrance 5, the optical character sensors 36b, 36c
In this case, the shutter 39 remains at 1 no.J and is positioned so that the leading edge of the IC memory card (C) hits the shutter 39.

Then, the solenoid 42 is operated, and the support lever 44 is oscillated about the support shaft 43, and the contact surface 40 attached to the tip side is pressed against the contact portion 62 of the IC memory card (C), causing drowsiness. are connected to each other and send and receive signals.

Also, when the 8 (g) is inserted, the optical sensor 36a
36d is dark, in this case, the shutter 36 is opened to operate the drive system of the conveyance path 3, and while the passbook (E) is being taken in, the reflective sensor 45 detects the marks to be marked and the resistance of the printed lines. After printing, the printing device 47 prints 7J.
i is controlled to perform a fixed position.

As shown in Figure 5, a grounded conductor 70 is attached to the groove 33 of the card/passbook entrance 5, and the conductor coated on the 1UW165 of the inserted IC memory card (C). 'It is designed to come into contact with the awake body and remove any air that may have an adverse effect on the IC memory 66.

Next, the structure of the display/input crab knit 11 will be explained with reference to FIGS. 8 to 10. As shown in FIG. 8, the display/input unit 11 includes a CRT (screen display device) 71 as an operation guide means and a screen portion 72a of the CRT 71.
It has a transparent key go door 2 as an operation input means that is provided in a state that covers the casing 73, and has a structure in which these are incorporated into a casing 73. As shown in FIG. 9, the transparent keyboard 72 has transparent electrodes 75 embedded in a transparent plate 74, forming a matrix circuit of He is a drawing guy who can produce output according to his needs. Furthermore, the transparent plate 74 is a CRT.
' It has almost the same curvature as the screen portion 71a of 71 to prevent parallax.

In addition, the support shaft 7 is arranged so that the tatsuji/input crab knit 11 can be selectively accessed from both the front and rear surfaces of the device main body 1.
6, and is held in the position shown by the solid line or two-dot chain line in FIG. 8 by supporting the respective stop/'P77.7B.

ft'b-179, 80 are switches that serve as detectors to detect the position of the display/input crab knit II, and when switch 79 is turned on, the transaction mode is activated and switch 8o is turned on.
If the answer is N, the system is configured to be controlled to switch to the attendant operation mode.

In addition, the transparent keyboard 72 is connected to the screen portion 71 of the CRT 71.
It is programmed so that when a is displayed as shown in FIG. 10, it is used as a numeric keypad, and when it is displayed in another way, it is switched to another function.

As the configuration has been explained above, this automatic transaction device 1
The input/output section of θ0 is the deposit/withdrawal unit 9, card/
It consists of three units: a passbook unit 10, a display/input unit 11, and a voice guidance device 99.
As shown in the figure, it is controlled by a main control section 90 according to a predetermined procedure of a program memory 91.

Incidentally, reference numeral 92 in FIG. 11 is a transaction record memory, which records transaction records, which were conventionally recorded on journal paper, on a floppy disk 93. Further, the main control unit 90 is connected to a central processing unit (center CPU) via a circuit.
94, and is positioned as a terminal for online automated trading. Further, reference numeral 95 denotes a remote monitor as a monitoring means, which is connected to a plurality of self-transaction devices so as to be able to monitor the status of the devices. Similarly, the image recording device 9 displayed on the remote monitor 95 via the video switching device 97 of the surveillance camera 12 as a photographing means.
The configuration is such that it can be recorded on B.

The monitoring mode for displaying on the remote monitor 95 or recording on the image recording device 98 is switched depending on the user's transaction selection mode, and the video is recorded only when making a payment, thereby minimizing the amount of information stored. This makes it convenient for playback and retrieval in the event of a crime, etc., and also aims to reduce recording costs.

Next, the configuration of the storage section 69 of the IC memory card C will be explained with reference to FIG. As described above with reference to FIG. 7, the storage section 69 includes a program memory 69a, a data memory 69b1, and a key data memory 69c. First, the program memory 59a includes the data memory 6.
Data format 69a that defines the memory array of 9a
-1 is stored. This data format) 69a
-1 is set differently depending on the card i, so even if the contents of the data memory 69b of a certain card are read out, you will not know how the multiple pieces of data are structured, and in case Even if format 69a-1 is decrypted, its format 69a-1 is not common to other cards, making it difficult to exploit.

As an application, this format 69a-1 may be changed each time a transaction is made. Furthermore, program memo IJ 69
For the convenience of users who often carry out standardized transactions, G stores the fixed data 69a-2 and 69a-3 of the two fixed transactions A and B, which require input operations each time. ing.

In the column of FIG. 12, fixed transaction A is a transfer of a specific amount to a certain account number, and fixed transaction B is a fixed amount withdrawal information. For example, if you press the key n or n at the bow stop selection step shown in the display screen 71a of the CRT 71 in FIG. . Also, the meaning of the ward key in Figure 13 is that by pressing this key, the user can rewrite the contents of the transaction by pressing the keys themselves while receiving guidance from the CRT 77. be. A flowchart of the modification is shown in FIG. Next, the data memo IJ 69b contains the account number, name 69b-1, offline transaction credit balance 69b-2, previous previous transaction data 59b-3, and card-specific random number sequence 69b.
-4 is stored according to the definition of the data former 9a-1 of the program memory 69a. Figure WJ15 (,) (b) shows the storage status of different formats. Figure 15 (,) (
Both of b) indicate a unique arrangement according to the definition of the data format 69a-1 explained above. In addition to the transaction date and time shown in the figure, transaction machine name, transaction type, transaction amount, denomination and number of coins, latest residual bacteria, unrecorded data, account number, etc. can be stored. When the transaction is completed, the previous transaction data is 3CA~(DA or 3CB)
The transaction data is moved to and stored in the transaction data area L2 shown in the range of ~4DB, and the transaction and data are stored in the previous transaction data area L shown in '$Q' circles of 11A to 2BA or 5EB to 6FB. As a result, the previous transaction 1
It remains as evidence that the attack was carried out using the IC memory card C.

A, B, and C are still stored in the data memory 69b as a random number IJ69b-4.If an account number is a name for a human being, this is equivalent to a fingerprint. Compared to the number, 100 installments is very large, and this information can be stored, for example, in a non-illustrated program in a predetermined format, with turns each corresponding to a random number.
By printing on the glossary 1 (Il) at the computer as shown in Figure 16 and leaving it as a copy at the bank, there is evidence that the card C was indeed used. Next, key data memo 1] 69Q has 69c
As shown in m1.69cm2, the coded PIN code, A, B yb''78, which was entered by the user through the key data door 2, is converted into a predetermined Alco''IJ system by the control unit 68. and encrypt this code as I
C memo: If you enter it on card C, the IC memory card C
A central processing unit 94 within the unit performs a match check,
Again, a match or mismatch signal is output to device 1j. Therefore, the PIN number in this IC memory card C is
Since the data is not output to the outside of the memory card C, the confidentiality is extremely high.

On the other hand, the reason why there are two types of encrypted PINs, A and B, is that the user can save the two types of PINs, and that is due to the IT's design, i.e., depending on whether the PIN A or B is changed. It is what drives transactions. If PIN A is entered, IC memory card C is used regardless of the account balance.
It is possible to pay in installments up to the offline credit balance set by B, but if PIN B is entered, a system that only allows payment up to the account balance is one way out.

This type of system has practical advantages when the same card is used by family members.

As shown in FIG.
This card can be used in conventional automated transaction devices that cannot read or write memory cards C.

〔Effect of the invention〕

As explained above, the present invention provides a transaction medium for an automatic transaction device that stores information for permitting transactions with the automatic transaction device GL, in which multiple input/output methods for storing the information are different. It is equipped with a storage section and has a ζ configuration.

Therefore, the confidentiality can be improved compared to the conventional one having only a magnetic storage section, and 0 and 1. It has the advantage that it can be used in many ways, and if one of the internal parts is used as an i-memory part, it can also be used in conventional automated transaction machines, making it extremely convenient.

[Brief explanation of drawings]

FIG. 1 is a perspective view showing the installed state of an automatic transaction device that can use the transaction medium of the present invention, FIG. 2 is a political configuration diagram of a deposit/withdrawal unit incorporated in the automatic transaction device, and FIG. ) is an explanatory diagram showing the flow of paper money during deposit operation, and Figure 3 (
b) is an explanatory diagram showing the flow of banknotes during the withdrawal operation,
FIG. 3(C) is a diagram showing the flow of banknotes when collecting forgotten banknotes, and FIG. 4 is a schematic configuration diagram of the card/passbook unit.
FIG. 5 is a perspective view of the card/passbook entrance/exit section, FIG. 6 is a perspective view showing an embodiment of an IC memory card which is a transaction medium of the present invention, and FIG. 7 is a conceptual view of the RC memory card. r, Diagram showing the configuration, Figure 8 is a schematic configuration diagram of the display 7-person crab knit, Figure 9 is the schematic configuration of the transparent keyboard 1, Figure 10 is the display shape of the CRT, explanation showing the west Figure 11 is a professional diagram showing the configuration of the automated teller machine, Figure 12 is an explanatory diagram explaining the configuration of the storage section of the IC memory card, and Figure 13 is an explanatory diagram showing the display state of the CRT. 1
Figure 4 is a flowchart for changing fixed transaction details.
FIGS. 15(a) and 15(b) are explanatory diagrams showing storage states of different formats, respectively, and FIG. 16 is a 1000-page diagram showing a journal in which prints corresponding to stored random numbers are printed. 1θ0... Automatic transaction device, 10... Card/passbook unit, C/Transaction medium (IC memory card), 63.6
6...Storage unit (magnetic stripe, IC memory)
. Applicant's Representative Patent Attorney Takehiko Suzue Figure 1 Figure 2 Figure 4 Vehicle Figure 6 Figure 7 Factor 14 Factor 15 (a) (b)

Claims (4)

[Claims] (1) A transaction medium for an automatic transaction device that stores information for executing a transaction with an automatic transaction device is provided with a plurality of storage units using different types of human output for storing the information. A trading medium for automatic transaction devices with characteristics. (2) Claim 1 characterized in that the storage unit includes a magnetic storage unit and an IC memory storage unit.
Transaction media for automated transaction devices described in Section 1. (3) Multiple storage units each store different contents.1. The transaction medium for an automatic transaction device according to claim 1, wherein the transaction medium is (4) A transaction medium for an automatic transaction device according to claim 1, characterized in that there are two storage sections, one of which has a larger storage capacity than a curved blade.