WO2010058623A1 - Automatic transaction device - Google Patents

Abstract

An automatic transaction device is provided with an operation display section which displays a screen etc. guiding a customer’s operation required to select a transaction and to transact and a data reading section which intakes a customer’s transaction medium inserted from a medium insertion and ejection port and reads data from magnetic stripes provided to the transaction medium.  The automatic transaction device performs control such that a projected length of the tip of the transaction medium from the port, in ejection of the transaction medium, is neither shorter than a length irreducibly minimum to allow the customer to pinch and pull out the transaction medium nor longer than the thickness of a skimming device to be mounted to the port.

Description

Automatic transaction equipment

The present invention relates to an automatic transaction apparatus in which a customer makes a transaction using a transaction medium such as a card.

In an institution or a convenience store of a financial institution, an automatic transaction apparatus that is operated by a customer and performs various transactions is installed.
Such an automatic transaction apparatus allows a customer to insert a card at the time of transaction, conveys the transaction card, reads card data such as an account number and a branch number from a magnetic stripe provided on the card with a card reader, At the end, eject the card and return it to the customer. In recent years, crimes in which a skimming device is attached to a card insertion / extraction port of a card reader in this automatic transaction apparatus and the card data is read from a customer's card for transactions and illegally used are increasing.

When the skimming device is attached to the card insertion / ejecting port equipped in the automatic transaction device, it can be distinguished from the original card insertion port equipped in the automatic transaction device at first glance. Therefore, many of them can read account data from a card without being noticed by a customer.
Therefore, in financial institutions, as a countermeasure for preventing unauthorized acquisition of account data by the skimming device, means for detecting a skimming device that is illegally attached is taken.

As one of them, an automatic transaction apparatus has been proposed in which a flicker having a plurality of color light sources is provided around a card insertion slot (see, for example, Patent Document 2). When the customer selects a transaction on the input / display unit, the control unit of the apparatus selects and determines one of the light emission patterns prepared in plural, and flickers that are lit in the light emission color of the determined light emission pattern The state still image and the unlit state still image are alternately displayed on the input / display unit. In addition, the control unit causes the flicker around the card insertion slot to emit light so that it is alternately turned on and off with the emission color of the determined emission pattern, and the flicker emission pattern by the image and the flicker emission around the card insertion outlet are emitted. Check if the pattern matches. Thereby, even if the skimming apparatus provided with the light emission function is attached to the card insertion / ejection slot, the existence of the skimming apparatus can be recognized from the difference in the light emission pattern.

Also, a system has been proposed in which an imaging device equipped with a lens with an autofocus control function is attached to a position where an ATM (automatic transaction device) card insertion portion can be photographed from the upper front (see, for example, Patent Document 2). In this system, when a skimming device is mounted on the card insertion unit, the imaging device detects a change in focal length to the skimming device and calculates imaging distance information from the autofocus control unit that drives the autofocus control function. Send to department. When the imaging distance information is within a predetermined range, the calculation unit determines that the skimming device is mounted and outputs an alarm.

Japanese Unexamined Patent Publication No. 2007-279877 Japanese Patent Laid-Open No. 2008-225670

However, in the conventional technique, it is necessary to provide flicker having a plurality of color light sources at the card insertion slot of the automatic transaction apparatus, or to install an imaging device having an autofocus function at a position where the card insertion slot can capture images. This requires additional mechanical parts and devices, which takes time and money.

The automatic transaction apparatus according to the present invention includes an operation display unit that displays a screen for selecting a transaction and guiding a customer's operation necessary for the transaction, and a transaction that takes in the customer's transaction medium inserted from the medium insertion / extraction port. A data reading unit for reading data from a magnetic stripe provided on the medium. The automatic transaction apparatus has a length that the tip of the transaction medium protrudes from the medium insertion / ejection slot when the transaction medium is discharged, which is longer than the minimum length necessary for the customer to pick up the transaction medium with a fingertip and pull it out. The length is controlled to be equal to or less than the thickness of the skimming device attached to the medium insertion / discharge port.

According to the present invention, a skimming device is attached to a customer who is an owner of a transaction medium such as a card used for a transaction without adding mechanical parts and devices and taking time and expense. Reliable recognition can prevent unauthorized use of data.

The block diagram which shows embodiment of ATM by this invention. The perspective view which shows the external appearance of ATM by this invention. The side view which shows the internal structure of a card processing part. The side view which shows the example to which the skimming apparatus was attached. The figure which shows the example of a screen which prompts card extraction. The figure which shows the example of the protrusion length selection screen of a card | curd front end.

Hereinafter, an embodiment of an automatic transaction apparatus (hereinafter, ATM) according to the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing an embodiment of an ATM 1 according to the present invention.
In FIG. 1, ATM 1 is an automatic transaction apparatus installed in a financial institution or the like, and includes a card processing unit (reading unit) 2, a voice guidance unit 3, a passbook processing unit (reading unit) 4, and a banknote deposit / withdrawal unit 5. , A coin deposit / withdrawal unit 6, an operation display unit 8, a memory unit (storage unit) 9, an interface 10, and a control unit 7 for controlling them.

FIG. 2 is a perspective view showing the appearance of the ATM 1, and is provided with a customer service portion having a substantially horizontal or slightly inclined flat surface portion and an elevation surface portion set at the front upper portion. The elevation portion has a card insertion / discharge port 2a, a speaker 3a, and a passbook insertion / discharge port 4a, and the plane portion has a banknote deposit / withdrawal port 5a, a coin deposit / withdrawal port 6a, and an operation display unit 8.

These card insertion / discharge port 2a, speaker 3a, passbook insertion / discharge port 4a, banknote deposit / withdrawal port 5a, coin deposit / withdrawal port 6a are the card processing unit 2, voice guidance unit 3, passbook processing unit 4, banknote deposit / withdrawal shown in FIG. They are arranged corresponding to the gold part 5 and the coin deposit / withdrawal part 6. The card processing unit 2 reads and needs card data (transaction data) such as an account number with respect to a magnetic stripe (magnetic data recording unit) of a card which is a customer's transaction medium inserted from the card insertion / extraction port 2a. In response, predetermined data is written. The passbook processing unit 4 reads the passbook data (transaction data) such as an account number with respect to the magnetic stripe (magnetic data recording unit) of the customer's passbook inserted from the passbook insertion / exit port 4a and prints the passbook. The transaction details and unrecorded data are printed in the column.

The card processing unit 2 may be a card reader that only reads card data with respect to the magnetic stripe of the card.
Moreover, the banknote depositing / withdrawing part 5 discriminate | determines and counts the deposited banknote thrown into the banknote depositing / withdrawing port 5a by a customer, counts and stores it in a banknote storage part, and the banknote of the money type and money designated by the customer are banknotes. After paying out from the storage unit, discriminating and counting, a withdrawal process for withdrawing from the banknote deposit / withdrawal port 5a is performed. The coin deposit / withdrawal unit 6 discriminates, counts and deposits coins inserted into the coin deposit / withdrawal port 6a by the customer, stores the coins in the coin storage unit, and stores coins of the denomination and amount specified by the customer. After paying out, counting and counting are performed, and then a withdrawal process for withdrawal from the coin deposit / withdrawal port 6a is performed.

The voice guidance unit 3 outputs a message or the like for guiding the customer's operation as guidance voice from the speaker 3a.
The operation display unit 8 displays a screen on which a message for guiding a customer's operation is arranged and various input keys. When the customer presses the input key with a finger from the touch panel, information defined in the input key can be input. The operation display unit 8 can also display input information.

The memory unit 9 stores input data and the like at the time of transaction, and also stores a control program for controlling the operation of the apparatus. In addition, a transaction selection screen, a guidance screen for each processing step in each transaction, an input screen, and the like are also stored in the memory unit 9.
Based on the control program stored in the memory unit 9, the control unit 7 is a card processing unit 2, a voice guidance unit 3, a passbook processing unit 4, a bill deposit / withdrawal unit 5, a coin deposit / withdrawal unit 6, an operation display unit 8, and the like. To control. In addition, the control unit 7 has a function of performing various transactions by displaying the screen stored in the memory unit 9 on the operation display unit 8 at any time. It communicates with the host computer, which is a device, and exchanges necessary information.

The host computer is installed at a financial institution center or the like, and has a function of managing each customer's name, account number, personal identification number, unrecorded transaction history data, and balance as account data. .
FIG. 3 is a side view showing the internal structure of the card processing unit 2. A straight conveyance path 10 is provided from the card insertion / discharge port 2a toward the back (inside the apparatus), and the conveyance path 10 is formed as a space between a pair of upper and lower guide plates.

The detection sensor 11 includes a light emitting element and a light receiving element that are vertically opposed to each other with the conveyance path 10 interposed therebetween, and is a card detection unit disposed in the vicinity of the card insertion / discharge port 2a in the card processing unit 2.
A plurality of pairs of transport rollers 12a to 12d and pressure rollers 13a to 13d, which form a transport section provided along the transport path 10, are provided so as to face each other vertically.

The transport rollers 12a to 12d are driven by a stepping motor (drive source) (not shown) via a gear or a belt (not shown), and the card is transported by sandwiching the card and rotating between the pressure rollers 13a to 13d. To do.
A magnetic head 14 for performing reading processing of magnetic data recorded on a magnetic stripe of a card, which will be described later, is provided at a predetermined position in the conveyance path 3, for example, a position between the conveyance rollers 12b and 12c. Above that, a pressure roller 15 for pressing the card against the magnetic head 14 is arranged.

A card 16 used as a transaction medium by a customer who makes a transaction at ATM 1 has a magnetic stripe, and card data such as a customer's account number and branch number are magnetically recorded on the magnetic stripe.
Next, the operation of the above configuration will be described.
The operation of each unit described below is controlled by the control unit 7 based on a program (software) stored in the memory unit 9.

When a customer who visits a financial institution or the like stands in front of ATM 1 and selects a transaction on the transaction selection screen displayed on the operation display unit 8, the control unit 7 performs processing based on the program of the selected transaction. Execute.
For example, when a withdrawal transaction is selected, a screen for prompting insertion of a card is displayed on the operation unit display unit 8, and the customer inserts a card insertion outlet 2a of the card processing unit 2 as shown in FIG. The card 16 is inserted into the card. When the leading edge of the card 16 is detected by the detection sensor 11, the transport rollers 12a to 12d are driven by a stepping motor (drive source) (not shown) via a gear, a belt, etc. (not shown). Rotates in the take-in direction.

When the leading end of the card 16 is inserted between the conveying roller 12a and the pressure roller 13a, the card 16 is taken into the card processing unit 2 by the rotation of the conveying rollers 12a to 12d as shown in FIG. The card data such as the customer's account number and branch number is read from the magnetic stripe carried on the card 16 by the magnetic head 14.
The card 16 from which the card data has been read is sandwiched between the conveying rollers 12b and 12c and the pressure rollers 13b and 13c until it passes between the magnetic head 14 and the pressure roller 15, and further conveyed. When the card 16 is sandwiched between the transport rollers 12c and 12d and the pressure rollers 13c and 13d, the control unit 7 stops the stepping motor and stops the rotation of the transport rollers 12a to 12d.

As a result, the card 16 is stopped and stands by while being sandwiched between the transport rollers 12c and 12d and the pressure rollers 13c and 13d.
After that, when the customer inputs the PIN number and the withdrawal amount according to the screen displayed on the operation display unit 8, the control unit 7 sends the entered PIN number, withdrawal amount and card data via the interface 10. To the host computer. When receiving information indicating that the transaction is permitted from the host computer, the control unit 7 withdraws the withdrawal amount by the banknote deposit / withdrawal unit 5 or the coin deposit / withdrawal unit 6, and the banknote deposit / withdrawal port 5 a or the coin deposit / withdrawal port. Pay cash to customer from 6a.

At the same time, the control unit 7 drives a stepping motor (not shown) to rotate the transport rollers 12a to 12d in the card discharge direction.
Thereby, the card | curd 16 is conveyed toward the card insertion discharge port 2a. When the leading edge of the card 16 is detected by the detection sensor 11, the control unit 7 drives the stepping motor for a predetermined number of pulses from the time point when the detection sensor 11 detects the card, and then stops the stepping motor. ), The front end of the card 16 is controlled so as to protrude from the card insertion / discharge port 2a by a predetermined length and stop.

The predetermined length in this case may be a minimum length (for example, about 1 mm) necessary for the customer to pick up and pull out the card 16 with a fingertip, but for the customer to pick up and pull out the card 16 with a fingertip. And a thickness of a skimming device (length in the card insertion / ejection direction) to be described later or less.
Generally, the protruding length of the front end of the card from the card insertion / extraction port 2a when the card is discharged is set to a length of about 28 mm so that the customer can easily perform the operation of picking up and pulling out the card 16 with a fingertip.

However, in this case, when a skimming device is attached to the card insertion / extraction port 2a, the tip of the card 16 protrudes from the skimming device, so the customer misses the presence of the skimming device.
FIG. 4 is a side view showing an example in which the skimming device 17 is attached to the card insertion / discharge port 2a. The skimming device 17 has a through hole 17a that communicates with the card insertion / discharge port 2a.

The skimming device 17 includes a magnetic head for reading card data when the card 16 passes through the through hole 17a, a memory for storing the read card data, a transmitter for sending the card data to the outside by radio, and the like. ing.
Such a skimming device 17 is made so as not to notice that it is attached, or as if it is a part of the card insertion / extraction port 2a, and the thickness thereof is limited to about 10 mm.

For this reason, when the protruding length of the tip of the card 16 from the card insertion / discharge port 2a at the time of card discharge is about 28 mm, the tip of the card 16 protrudes to the outside from the through hole 17a of the skimming device 17 as shown by a broken line in FIG. The customer pulls out the card 16 and returns home while overlooking the presence of the skimming device 17.
On the other hand, in the present embodiment, the length at which the tip of the card 16 protrudes from the card insertion / extraction port 2a is longer than the minimum length necessary for the customer to pick up and pull out the card 16 with a fingertip, which will be described later. Control is performed so that the length of the skimming device 17 is less than the thickness of the skimming device 17. Therefore, as shown by a solid line in FIG. 4, the tip of the card 16 stays in the through hole 17 a of the skimming device 17, and it becomes impossible for the customer to pull out the card 16. Thereby, the customer can recognize the presence of the skimming device 17.

At that time, a specific message may be displayed on the screen by the operation display unit 8 or may be output by voice from the speaker 3a.
FIG. 5 is a diagram showing an example of a screen for prompting card removal displayed on the operation display unit 8 when the card is ejected. As shown in this figure, when the card is ejected, a message prompting you to remove the card, “Please remove the card.” And “If you do not remove it, there is a possibility that the skimming device is improperly installed. If you inform the customer by displaying a screen with a warning message such as “Please notify the staff” and outputting the same message from the speaker 3 a by the voice guidance unit 3, the customer pulls out the card 16. You can inform nearby staff that you cannot.

Thereby, the clerk can immediately take off the skimming device 17 and take measures to prevent the damage from spreading.
At that time, by pressing the confirmation button 18 displayed on the screen, it is input that the skimming device 17 has been removed, and the transaction is terminated.
In this case, the card data may be read and transmitted to the outside when the card is inserted. Therefore, when the skimming device 17 is removed, after the card 16 is pulled out, the customer account number is changed and the card data is changed. Try to rewrite.

When the skimming device 17 is not attached, the customer grasps and pulls out the tip of the card 16 protruding a predetermined length from the card insertion / extraction port 2a with a fingertip, and the transaction ends.
In addition, when there is no resident in the vicinity of ATM1, or when ATM1 is installed in an unmanned store, etc., it is possible to report to the clerk etc. with the handset for clerk reporting provided in ATM1. Is possible.

In the embodiment described above, the length at which the tip of the card 16 protrudes from the card insertion / ejection slot 2a when the card is ejected is longer than the minimum length necessary for the customer to pick up and pull out the card 16 with a fingertip. Since the length is controlled to be equal to or less than the thickness of the skimming device 17, when the skimming device 17 is attached to the card insertion / extraction port 2a, it becomes impossible for the customer to pull out the card 16. Therefore, it is possible to reliably recognize that the skimming device 17 is installed and prevent unauthorized use of the data without adding mechanical parts and devices, and without spending time and money. Can do.

In the above-described embodiment, the card discharge at the time of the withdrawal transaction has been described as an example. However, the present invention is applicable to all cases where the card 16 taken into the card processing unit 2 is discharged. Moreover, when using not only the card | curd 16 but a bankbook as a transaction medium, the same effect can be acquired by controlling similarly at the time of the discharge | emission.
In addition, the present invention is not limited to the length (protrusion length) by which the tip of the card 16 protrudes from the card insertion / discharge port 2a when the card is discharged in the above-described embodiment, and the following is also possible. It is.

For example, the protruding length of the card tip from the card insertion / ejection slot 2a when the card is ejected is set to the minimum length necessary for the customer to pick up and pull out the card 16 with a fingertip, and the tip of the card 16 is the card insertion / ejection slot. When protruding from 2a, a screen for confirming whether or not the tip of the card 16 is protruding is displayed on the operation display unit 8.
Then, when the “Yes” or “No” button displayed on the screen is pressed, the leading end of the card 16 comes out or is not put out. When the “Yes” button indicating that the card has been ejected is pressed, the card 16 is projected from the card insertion / ejection slot 2a until the tip of the card 16 becomes a length that can be easily pulled out (for example, 20 mm), and the customer is pulled out. When the “No” button indicating that the card has not been issued is pressed, the screen for prompting the card removal shown in FIG. 5 is displayed, and the same processing as described above is performed.

Further, as described above, a confirmation screen for confirming whether or not the front end of the card 16 has come out is displayed on the operation display unit 8, and when the “Yes” button indicating that it has come out is pressed, the card 16 is further pushed. It is also possible to determine the protruding length from the card insertion / discharge port 2a at the tip of the card according to the customer's wishes.

As a method in this case, the protrusion length data is recorded on the magnetic stripe of the card 16 and the protrusion length data is also read when the card data is read to control the protrusion length or the protrusion length data is transferred to the host computer. It is also possible to control the protrusion length by registering in advance and acquiring the protrusion length data from the host computer in a timely manner.
Furthermore, a protrusion length selection screen for selecting the protrusion length can be displayed on the operation display unit 8 so that the customer can select it.

FIG. 6 is a diagram showing an example of the protrusion length selection screen of the card 16. As shown in this figure, for example, “1cm”, “2cm”, “3cm”, etc., along with a message that prompts the user to select “Leave the tip of the card. The selection buttons 19a to 19c for selecting the protrusion length are displayed. When the customer presses one of the selection buttons 19a to 19c, the tip of the card 16 is protruded from the card insertion / discharge port 2a according to the selected protrusion length. To control.

Claims (5)

An operation display unit for displaying a screen for performing a selection of a transaction and a customer operation necessary for the transaction, and the transaction medium of the customer inserted from the medium insertion / extraction port are provided in the transaction medium. A data reading unit for reading data from the magnetic stripe,
When the transaction medium is discharged, the length of the tip of the transaction medium protruding from the medium insertion / extraction port is equal to or longer than the minimum length necessary for the customer to grip and pull the transaction medium with a fingertip. Control the length to be equal to or less than the thickness of the skimming device attached to the medium insertion / extraction port,
Automatic transaction device. The automatic transaction apparatus according to claim 1,
When the front end of the transaction medium is projected from the medium insertion / ejection port, a confirmation screen for confirming whether or not the front end of the transaction medium is visible is displayed, and an input that the front end of the transaction medium is visible on the confirmation screen When the transaction is performed, the tip of the transaction medium is further protruded.
Automatic transaction device. The automatic transaction apparatus according to claim 2,
Recording the protrusion length data when further protruding the tip of the transaction medium in the magnetic stripe of the transaction medium, and protruding the tip of the transaction medium based on the protrusion length data,
Automatic transaction device. The automatic transaction apparatus according to claim 2,
Registering the protrusion length data when further protruding the tip of the transaction medium in the host device, acquiring the protrusion length data from the host device, and protruding the tip of the transaction medium,
Automatic transaction device. The automatic transaction apparatus according to claim 2,
A projecting length selection screen for selecting a projecting length when further projecting the tip of the transaction medium is displayed on the operation display unit, and based on the projecting length selected by the customer on the projecting length selection screen, the transaction medium Protruding the tip,
Automatic transaction device.

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