JPH04158491A - Automatic transaction device - Google Patents

Abstract

(57) [Summary] This bulletin contains application data before electronic filing, so abstract data is not recorded.

Description

[Detailed description of the invention] [Purpose of the invention] (Industrial application field) The present invention relates to an automatic transaction device.

(Prior art) In recent years, I
BACKGROUND ART Memory cards (hereinafter referred to as IC cards) embedded with C (micro integrated circuit) have been issued. Magnetic cards are generally used in financial institutions, but some currently use IC memory cards embedded in the magnetic cards. Terminals that accept IC cards with magnetic stripes can only exchange information in the IC memory, so special equipment is required to exchange information recorded on the magnetic stripe and information in the IC memory. , could only be done by specific people.

(Problem to be Solved by the Invention) Conventionally, it has not been possible to easily exchange information between the amount information in the magnetic stripe of an IC card with a magnetic stripe and the amount information in the IC memory. There was also the problem that the guidance for cases was difficult to understand.

Therefore, the present invention provides a means for easily exchanging the amount information contained in the magnetic stripe of an IC card with a magnetic stripe and the amount information contained in the IC in an automatic transaction device used by an unspecified number of people. The purpose is to provide an automatic transaction device that can

[Structure of the Invention] (Means for Solving the Problems) In order to solve the above problems, in the present invention, an automatic transaction device includes receiving means for receiving first and second storage media that store information related to transactions; a first reading means for reading information stored in the first storage medium accepted by the receiving means; and a first reading means for reading the information stored in the first storage medium accepted by the first reading means; and a first writing means for storing information on a medium.

More preferably, the first and second storage media are composed of different types of media, and a second reading means for reading information stored in the second storage medium; The read information of the second storage means is stored in the first storage means.
and second writing means for storing data in the storage means.

Furthermore, it is characterized by comprising display means for displaying operating procedures.

Furthermore, the first storage medium is a medium for magnetically storing information, and the second storage means is a medium having a memory.

The display means is characterized in that it displays images representing the first and second storage media in comparison.

(Function) In the automatic transaction device of the present invention having the above configuration,
Accepts multiple storage media. Then, the information is read from one of the received storage media, and the information is written to the other storage medium by the writing means, so that information can be exchanged easily and accurately. Here, the storage means may be two or more, the same information may be written from one storage medium to one or more storage media, and the information may be written after being subjected to arbitrary processing. But it's okay.

(Example) The present invention will be described below with reference to embodiments shown in the drawings.

FIG. 1 shows an installed state of an automatic transaction device 100 having a banknote circulation/dispensing function that uses deposited banknotes as disbursed banknotes.

On the operation surface 2, a bill slot 4, a card/passbook slot 5, a display/input section 6, etc. are arranged, and inside the main body 1 of the device, various devices described below are housed corresponding to these sections. ing. That is, a deposit/withdrawal unit 9 is provided corresponding to the bill slot 4, a card/passbook unit 10 is provided corresponding to the card/passbook entry 5, and a display/input unit 11 is provided corresponding to the display/input unit 6. There is.

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), various safes are placed in order from the bottom, namely deposited undamaged notes, 10,000 yen notes and 1,000 yen notes that cannot be withdrawn and paid, and 50000 yen notes that have been deposited. Unfit note/unpayable area for storing 1,000 yen notes/5,000 yen note storage section 16;
1,000 yen bill storage unit 17 that stores 1,000 yen deposited bills other than 1,000 yen bills for withdrawals and unfit notes; 10,000 yen bill storage unit 18 that stores 10,000 yen bills for deposits other than 1000 yen bills for withdrawals and undamaged notes; A collection warehouse 19 for storing leftover banknotes is also provided. Further, inside the housing 14, an inspection section 20 for inspecting banknotes (P) and a -time accumulation section 21 are provided, and a banknote conveyance path 2
2 is formed so that banknotes (P) can be conveyed to various parts. In addition, a distribution gate 2 whose driving source is a rotary solenoid (not shown) is provided at a branch part of the banknote conveyance path 22.
3a to 23e are arranged, and banknote passage detectors (not shown) are arranged at various places along the way.

Moreover, the banknote conveyance path 22 is formed like a wedge. 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.
It is in a state where it communicates with the central conveyance path 22b where is arranged. Further, this central conveyance path 22b is in communication with a divided conveyance path 22c along the arrangement direction of each of the banknote storage sections 16, 17, and 18.

Storage transport paths 22d, 22e, 22f, and 22g for storing banknotes (P) in each banknote storage section 16, 17, and 18 and the collection warehouse 19 are branched off from the divided transport path 22c. Furthermore, each banknote storage section 16.1 is provided in the divided conveyance path 22c.
7. A take-out conveyance path 22h that conveys the banknotes (P) taken out via the take-out mechanisms 24 provided at 7.18, respectively;
22i and 22j are in a state of merging.

Further, the starting end of the central conveyance path 22b is connected to the terminal end of the segmented conveyance path 22c via the communication conveyance path 22, and a branch conveyance for conveying banknotes (P) to the temporary stacking section 21 is provided in the middle. Road 221 is branched.

Further, a delivery conveyance path 22m is provided for conveying banknotes (P) from the - time 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(a). First, the banknotes (P...) inserted into the banknote slot 4 all at once are 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 22a, 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 23b123C123d disposed in
selectively allocated to

Then, store 5,000 yen notes and damaged notes that cannot be used as withdrawal notes in the unfit/unpayable area/5,000 yen note storage section 1.
6, 1,000 yen notes are stored in the 1,000 yen note storage section 171, and 10,000 yen notes are stored in the 10,000 yen note storage section 18, respectively.

On the other hand, if the bill is determined to be a counterfeit bill, it is sorted by the sorting gate 23a to the branch conveyance path 2211 side as shown by the broken line arrow in the figure, and is accumulated in the temporary accumulation section 21 via this branch conveyance path 22g. At this time, the banknotes (P) to be stacked are stacked in an orderly manner so that they can be taken out all at once by the impeller 25.

Then, when the banknote presence/absence detector 26 detects that there are no banknotes (P) in the banknote entrance/exit 4, the temporarily accumulated counterfeit banknotes are conveyed toward the banknote entrance/exit 4 via the delivery conveyance path 22m. At this time, the banknotes (P...) are held in a state in which the ends of the banknotes (P...) protrude from the banknote slot 4 by the function of the banknote intake/dispatch 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 note or 1,000 yen note, the extraction mechanism 24 is operated from the safe, ie, the 10,000 yen note storage section 18 and the 1,000 yen note 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.
The paper is fed into the central conveyance path 22b via the inspection section 20, where it is checked whether it is skinny or two-sheet, and whether it is "payable" or "payable" is determined.

Then, the banknotes (P) determined to be "payable" are distributed to the branch conveyance path 221 side via the distribution gate 23g as shown by the solid line arrow in the figure, and are accumulated in the temporary stacking section 21, and all the banknotes ( After the withdrawal of the bills P) is completed, the bills are dispensed all at once to the bill slot 4.

On the other hand, skewed, double-bill, etc. banknotes (P) 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 arrows in the figure.
2b and is fed into the divided conveyance path 22c. Then, the lowermost storage conveyance path 2 is opened by the distribution gate 23b.
Damaged notes/non-payable notes/5,000 yen notes sorted into 2d storage section 1
6.

Also, when depositing and withdrawing money, the banknotes (
P), as shown by the solid line arrow in FIG.
1-section conveyance path 22c and top storage conveyance path 22
g, and is transported to the collection warehouse 19 and stored therein.

Next, referring to FIGS. 4 and 5, the configuration of the card/passbook unit 10 having the function of handling an IC memory card (C) as a transaction medium and a magnetic passbook (hereinafter simply referred to as a passbook) (E) will be explained. Explain. In the figure, 30 is the card/
It is a casing having an opening facing the bankbook entrance/exit 5, and within this casing 30, a conveyance path 31 is formed almost linearly from the card/passbook entrance 5. The card/passbook entrance 5 has an opening 32 that is approximately equal in width to the bankbook (E) and an IC.
It has a groove 33 approximately equal in width to the width of the memory card (C). Further, the conveyance path 31 includes a plurality of roller pairs 34...
. . . and a pair of guide plates 35 .

One end of this conveyance path 31, that is, the card/passbook entrance 5
On the side are optical sensors 36a to 36dS, a card reading section 37 for the IC memory card (C), and a solenoid 3.
Shutters 39 for opening and closing the transport path 31 are sequentially provided by means of shutters 8 . The card reading section 37 has a contact surface 40 installed on the upper surface side of the conveyance path 31 and a pedestal 41 that receives contact pressure, and the contact surface 40 swings about a support shaft 43 by a solenoid 42. It is attached to the support lever 44.

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

Furthermore, a printing device 47 is provided further behind these. This printing device 47 has a guide shaft 48.48.
The print head 50 is mounted on a carriage 49 that is guided by a carriage 49 and can reciprocate in a direction perpendicular to the conveyance path 31, and an anvil 51 is provided along the direction of movement of the print head 5°. There is. Also, anvil 5
A feeding portion of a roll paper 53 mounted on a reel 52 is wrapped 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. It's about to be rolled out.

Further, a cutter 55 is provided near the feeding direction side of the feed roller pair 54 to cut the printed roll paper, and the cut roll paper, that is, the slip 56, is transferred to the conveyance roller pair 57... . . , a pair of guide plates 58 . . . and a pair of guide plates 58 .

Further, 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 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 surface layer 61 is formed with an IC memory contact portion 62, a magnetic stripe 63, and an embossed portion 64 expressing characters by protrusions. It has a similar appearance to a conventional magnetic card. Also,
The back layer 65 is coated with a conductor. Figure 7 shows the conceptual configuration of the IC memory card (C).
Reference numeral 63 denotes a magnetic stripe for recording information such as an account number, a password, etc. by means of magnetic inversion, and information is written and read from the outside via a magnetic head 46. Reference numeral 66 denotes an IC memory as a storage element, 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 with high density.
These include a program memory 69a that stores control procedures, a readable and writable data memory 69b, and a key data memory 6 that is protected from being readable or rewritable from outside the card.
Consists of 9c.

Note that the magnetic stripe 63 of the IC memory card (C) records the account number, PIN amount information, etc.
In addition to the same account number, password amount information, etc. as described above, a second password is recorded in the C memory 66.

When the PIN number recorded on the magnetic stripe 63 is keyed in, transactions are restricted, such as withdrawals of up to 100,000 yen per day, and the PIN number is recorded on the IC memory 66, which is absolutely unreadable by a third party. When the second password is keyed in, the device is controlled so that transactions are not restricted.

When, for example, an IC memory card (C) is inserted into the card/passbook entrance 5, the optical sensors 36b, 36c
In this case, the shutter 39 remains closed and the I
The leading end of the C memory card (C) is positioned in such a manner that it touches 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 into contact with the contact portion 62 of the IC memory card (C), and electrically It is connected to and sends and receives signals. With the above configuration, data is written to and read from the IC memory card (C).

Also, when the passbook (E) is inserted, the optical sensors 36a to 3
6d becomes dark, in this case, the shutter 39 is opened to operate the drive system of the conveyance path 31, and while the passbook (E) is taken in, the page mark and print pattern are read by the reflective sensor 45, and then the print The device 47 is controlled to perform a predetermined position.

In addition, as shown in FIG. 5, a conductor 70 that is grounded is attached to the full 33rd part of the card/passbook entrance 5, and is coated on the back layer 65 of the inserted IC memory card (C). IC memory 6
It is designed to remove static electricity that has a negative effect on 6.

Next, the configuration of the display/input unit 11 will be explained with reference to FIGS. 8 and 9. The display/input unit 11 has a CRT (screen display panel) as an operation guide means, and a transparent keyboard 72 as an operation input means provided to cover the screen portion 71a of the CRT 71.

The transparent keyboard 72 has a transparent plate 7 as shown in FIG.
4 with transparent electrodes 75 embedded in them, X1 to X5
, Y1 to Y4 are configured to form a matrix circuit and can output an output according to the part pressed by the user. Further, the transparent plate 74 is a screen portion 71a of the CRT 71.
It has almost the same curvature as , which prevents parallax.

Note that 79.80 is a switch that serves as a detector to detect the position of the display/input unit 11, and when the switch 79 is turned on, the transaction mode is switched on, and when the switch 80 is turned on, the mode is switched to the attendant operation mode. It is configured to be controlled by

In addition, the transparent keyboard 72 is a screen portion 71a of the CRT 71.
It is programmed so that when it is displayed as shown in FIG. 9, 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
00, its input/output section 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 system W99.
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) 94 via a line.
It is connected to the Internet 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 automatic transaction machines so as to be able to monitor the status of the machines. Similarly, the video signal of the surveillance camera 12 as a photographing means is also transferred to the video switching device 97.
It is configured such that it can be displayed on a remote monitor 95 or recorded on an image recording device 198 via.

The monitoring mode, such as display on the remote monitor 95 or recording on the image recording device 98, is switched depending on the transaction selection mode of the user, and images are recorded only at the time of payment, thereby minimizing the amount of information stored and preventing crimes from occurring. This makes it convenient for playback and retrieval at any time, etc., and reduces 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 69a 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 for each card, 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 the unlikely event that - Even if the format 69a-1 is decrypted, the 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. In the example shown in FIG. 11, fixed transaction A is stored as a transfer of a specific amount to a certain account number, and fixed transaction B is stored as fixed amount withdrawal information. For example, the CR7 display section 7 shown in FIG.
1 on the display screen 71a. Like this CRT
71, the user enters the amount information by themselves while receiving guidance.
Card to magnetic stripe or magnetic stripe to IC
It is transferred to a card and rewritten.

Further, in the confirmation step, guidance text is displayed to prompt the user to reconfirm (CRT 72a/b).

On the other hand, the amount information reading step shown in FIG. 13 transfers the information to the magnetic stripe. The guidance at this time is as shown in Figure 17, and the user is asked to provide amount information and
The user agrees to move data from the IC memory to the magnetic stripe, and the amount information is written on the magnetic stripe. Note that the amount information from the IC memory has a format as shown in FIG. At this time, the first
As shown in FIGS. 5 and 18, since the data formats are different between the IC memory and the data being magnetically striped, the main control unit 90 performs format conversion before storing the data. However, it is acceptable to set the same data format in the IC memory and in the magnetic strip.

Next, the processing will be explained according to FIG.

A screen 71a as shown in FIG. 12 is displayed and the control section 9
0 moves to the amount information reading step. In other words, the main control unit 90 reads information within the magnetic stripe. Data is stored within the magnetic stripe in a format as shown in FIG. This data (amount information) is read out and displayed on the CRT 71. A guide image as shown in FIG. 16 is also displayed on this display screen. In addition,
Such a guide image may be displayed on the same screen as the amount information, or may be displayed on a separate screen. Depending on the case, it may be displayed alternately multiple times.

When the key ←1 is pressed on the screen as shown in FIG. 16 above, amount information is written.

Here, the amount information will be written into the IC card.

Although the embodiments of the present invention have been described above, the present invention is not limited to the above embodiments.

For example, although cards and passbooks are accepted at the same entrance, they may be accepted at separate entrances. Further, the magnetic stripe card and the magnetic stripe-attached IC card may be received at separate reception ports. Further, the reading means and the writing means may also be arranged to operate with respect to a single card holding point, or may be provided so as to operate independently with respect to the card at different points. Further, the display means does not have to be a CRT, but may be composed of a liquid crystal or the like.

[Effects of the Invention] As explained above, according to the present invention, it is possible to easily transfer amount information on an IC card and a magnetic stripe in an automatic transaction device.

[Brief explanation of the drawing]

The drawings show embodiments of the present invention; FIG. 1 is a perspective view of an automatic transaction device, FIG. 2 is a schematic configuration diagram of a deposit/withdrawal unit incorporated in the automatic transaction device, and FIG. ) is an explanatory diagram showing the flow of banknotes during the deposit operation, and Fig. 3(b)
3(c) 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, FIG. Figure 5 is a perspective view of the card/passbook entrance/exit section, Figure 6 is a perspective view of the IC memory card that is the transaction medium, and Figure 7 is the same <I
FIG. 8 is a schematic diagram of the transparent keyboard; FIG. 9 is an explanatory diagram showing the display state of the CRT; FIG. 10 is a block diagram showing the configuration of the present invention. FIG. 11 is an explanatory diagram explaining the configuration of the storage section of the IC memory card, FIGS. 12 and 13 are explanatory diagrams showing the display state of the CRT, FIG. 14 is a flowchart for changing the contents of a fixed transaction, and FIG. Figure 15 is a diagram showing the format of data stored on the magnetic stripe, Figure 16 and Figure 1.
Figure 7 shows a CRT used during the processing shown in Figure 14.
FIG. 18 is a diagram showing the format of data stored in the IC card. C...Transaction medium (IC memory card) 40...Contact surface 10...Card/passbook unit 62...Contact section 66...Storage section (IC memory) 90...Main control section. Agent Patent Attorney Nori Chika Equipment Yamashita -261522
a 20 14 Fig. 3 ('I -4 Guyuhe Fig. 4 Fig. 5 Fig. 6 Fig. 7 Xi figure

Claims (5)

[Claims] (1) an accepting means for accepting first and second storage media storing information related to transactions; a first reading means for reading information stored in the first storage medium accepted by the accepting means; An automatic transaction device comprising: first writing means for storing information in the first storage medium read by the first reading means in the second storage medium. (2) In claim 1, the first and second storage media are comprised of different types of media, and further include a second reading means for reading information stored in the second storage medium; and second writing means for storing information in the second storage means read by the second reading means in the first storage means. (3) The automatic transaction device according to claim 1, further comprising display means for displaying operating procedures. (4) The automatic transaction device according to claim 1, wherein the first storage medium is a medium that stores information magnetically, and the second storage means is a medium that has a memory. (5) The automatic transaction device according to claim 3, wherein the display means displays images representing the first and second storage media in comparison.