JPH0448380A - Automatic transaction processor - Google Patents

Abstract

PURPOSE:To utilize the device in both a bank card and a credit card safely by providing a pair of invisible information reading means additionally by facing with the first surface and the second surface at the back plane confronting with the first surface of the card. CONSTITUTION:The appearance of the whole of a device 2 is formed in almost small cubic shape, and a magnetic stripe 1A and a visible part 1b by embossing or printing are provided additionally by facing with the first surface and the second surface comprising the back plane confronting with the first surface of the card 1. When the card 1 passes between a pair of magnetic readers 40A, 40B, information on the magnetic stripe 1A provided at least on one side is always offered to a selection means 60, and the information is processed selectively electrically, and is transmitted to a memory means 70 and a control means 80, then, it is used as transaction information. Thereby, cash payment processing can be performed by both the bank card and the credit card with different specifications.

Description

[Detailed Description of the Invention] [Industrial Application Field] This invention is applicable to financial institutions such as banks and credit unions.
This article relates to an automatic transaction processing device that automatically performs transactions such as cash payments using a cash card by the user's own operations.

[Prior Art] Various types of money processing devices have been proposed in the past. For example, the one in Japanese Patent Application Laid-Open No. 62-42270 (publicly known example) has a card or other transaction medium 1' with a A magnetic stripe A is formed by magnetically recording transaction information such as an account number and card expiration date, as well as bank name 2 and unique information 1'a on which an account number, user name, etc. are printed or embossed and visually recorded. The first reading means 3' reads the information 1'b and sends it to the transaction means 4.
', generates transaction information, and the second reading means 6 optically reads the unique information and records this image information in the recording means 7, and records the amount input by the user and the password. When it is confirmed that the transaction is possible, the transaction is executed, the transaction type, time, account number, transaction amount, final balance, etc. are recorded in the recording section, the card is returned, and the transaction results are printed in the journal. In addition to storing the cash and payment slips, the cash and payment slips were printed and provided to the user.

[Problems to be solved by the invention] Even in the above-mentioned known examples, it is possible to carry out a series of automatic transaction processing such as paying cash by card, issuing statement slips, and storing prints of transaction details, but the problem remains unsolved. There were some problems.

The first point is the lack of a dual-use function for both bank cards and credit cards, which necessitated the installation of separate automatic processing machines for each.

In other words, for bank cash cards, the magnetic stripe, which is the magnetic recording part, is usually provided on the same surface as the visible information that can be read optically (JIS 2 standard).
On the other hand, mainly in credit cards, the magnetic stripe is provided on one surface and visible information is written on the other surface (ISO standard, JISI
standard).

Therefore, in the case of a known type of card in which magnetically recorded information is read from only one side of the card, it is necessary to install both a device for cash cards and a device for credit cards.

The second point is security services. That is,
If an accident such as a power outage occurs while a user is operating an automatic processing machine, the processing machine will stop, cash payments will not be made, and cards will not be returned, and measures such as card return due to manual operation by staff. During this time, the user cannot leave the machine unattended.
I had to endure an anxious wait.

Furthermore, the third point is that because the automatic processing machine has an excessive number of functions, it is difficult to avoid increasing the size of the equipment, and as a result, it can be installed freely in places where installation locations are restricted, such as bank counters. It was said that it was difficult to do so.

In view of these problems, there has been a long-awaited demand for a device that has a small and compact external shape and is fully equipped with the necessary functions.

[Means for Solving Problems 9 Effect 1 The present invention can provide an excellent product that fully meets such user needs, and its structural features are as described in the claims. Generally speaking, the overall appearance of the device is approximately a small cube, and a set of invisible information reading devices are placed facing the first surface of the card to be inserted and the second surface forming the opposite back surface. This is an automatic transaction processing device that can carry out cash payments and is equipped with a means of payment, which continues processing and returns cards even in the event of a power outage, and whose display part does not have to be viewed by others. .

Therefore, by using this device, users can safely receive cash payments using either their own bank card or credit card, and it can be said to be truly useful.

〔Example〕

Next, the content of the present invention will be explained based on embodiment figures.

FIG. 1 is a block diagram of the magnetic stripe IA.
Processing bacteria W that automatically processes cash payments using cards and a visible part IB with embossment or printing etc.
12, as shown in FIG. 4, has a so-called small cubic shape with approximately the same dimensions in length A, width and height C, and the operation plate 21 has information on processing procedures and amounts. Display section 22 for displaying other information Card 1 insertion and statement slip exit 23. Cash outlet 24. A key manual section 25 and other operation/display means are provided, and in particular, the display section 22 is a place where amounts and other information related to the user's privacy are displayed, so it is not desirable for others to view the display section 22. Therefore, as a specific means of displaying this, we control the LED display with a control means equipped with a black plastic armour, and adopt a polarized display means with a visible range of about 36° to 60° for the user. Therefore, a device that can be visually recognized only by a user located near the front of the operation plate 21 is adopted.

The above magnetic stripe IA contains the account number.

Expiration dates and other transaction information are recorded, and
The user's name, bank name, service mark, etc. are recorded in the visual recognition part IB by embossing or printing.

Next, the contents of this automatic processing device 2 will be explained with reference to FIGS. 1 and 3.

Inside the card insertion slot 21, there is a reversible roller 3.
A feeding means 30 such as 0A to 30D is provided, and a pair of magnetic readers 40A and 40B are provided on both sides of the card 1 transferred within the feeding means 30, and at least one image scanner 50 is separately provided. is also arranged so as to face one side of card 1.

In this case, the control means for feeding, stopping, reverse feeding, etc. of the card 1 includes checking the position of the card 1 using a sensor, etc. as appropriate, and using a timer means or sequential means to accommodate the card 1, stop it, and return it. However, since this point is a commonly used means, it is not particularly specified in this embodiment, and detailed explanation thereof will be omitted.

Therefore, the card 1 is read by the magnetic readers 40A and 40B.
The information read from the magnetic stripe IA is communicated to the selection means 60, and the selection means 60 is simultaneously supplied with the read information from the magnetic readers 40A and 40B. That is, for cash cards, the magnetic reader 40A reads the magnetic stripe I.
While it reads A and reports this,
It will be reported that information cannot be obtained from the magnetic reader 40B, and when looking at credit cards, only the magnetic reader 40B functions, and the magnetic reader 40A
From then on, the magnetic recording information will not be reported to the selection means 60.

That is, the card l is a pair of magnetic readers 40A.

and 40B, information on the magnetic stripe IA provided on at least one side of the magnetic stripe IA is always provided to the selection means 60.

Thus, this selection means 60 electrically selects and processes this information, communicates it to memory means 70 and control means 80, and utilizes it as transaction information.

Further, visual recognition information read by optically scanning the card with the image scanner 50 is similarly recorded in the memory means 70 and used as transaction information.

Regarding the configuration of the image scanner 50, it is possible to employ a known reading means that combines light emitting and light receiving means, such as an image reader or a line sensor.

Therefore, according to this embodiment, bank cards and credit cards can be completely read by the single device 2, and this can be used as transaction information.

Thus, the magnetic information and visual information input to the memory means 70 will be communicated to the control means 80 as required.

Here, for example, the user operates the key human power section 25,
By inputting one's personal identification number and desired payment amount in accordance with the guidance on the display unit 22, the information is input to the control means 80, and the control means 80 determines whether the transaction is legitimate and possible. When the transaction execution is permitted, this signal is communicated to the transaction processing means 90, and the cash payment means 100 and the card control means 110 are operated to execute the payment of cash and the dispensing of the card 1. At the same time, the reducing means 120 selects and extracts necessary transaction information from the transaction information and reports it to the printing means, and the statement printing means 121 and the journal printing means 12
At the same time, commands are given to the device 2 to perform printing processing, issue cash and statement slips to the user, and return the card 1. At the same time, the transaction results are stored in the form of visible information in the device 2 by journal printing means. It is possible.

The information regarding the transaction result includes, for example, the transaction amount, balance 1 lot account number, transaction expiration date, transaction limit amount, transaction time, and all other data related to the transaction result, which are stored in the memory means 70. It is.

Further, as for the printing means, it is preferable to use a print printer means that applies at least physical pressure to the card 1.

In addition, the security functions in this example are as follows:
As shown in FIG. 3, measures have been taken to deal with electrical problems. That is, as a power source for operating this device 2, the AC main power source P is used as the main power source, and this and the secondary power source from the battery B are formed as a parallel circuit to form a circuit configuration together with the device 2, and the AC power source P is connected in series with the battery B. A normally open contact SD which is wired can be opened and closed by a solenoid S arranged in series with an AC power source P.

As a result, when the supply of current from the main power source P to the device 2 is cut off due to a power outage or some kind of failure during so-called use when the main switch MS is closed, the solenoid S
is demagnetized, the normally open contact SD is automatically closed, and the device 2 can continue to operate safely.

Therefore, even in the event of an accident such as a power outage while the user is using this device 2, the transaction process will automatically continue, and the user will be able to enjoy the benefits of no worries until the end of the transaction by paying cash and returning the card I. It is something that can be done.

Next, the operation of this device will be explained based on the flowchart shown in FIG.

First, when a user waits in front of the device 2 and inserts a card L in hand into the insertion slot 23, the card 1 is inserted into a group of rollers 30A to 30 operated by a reversible drive source (not shown).
During the movement, the magnetic stripe LA and visual recognition information IB on the surface of the card are sequentially read.If the card does not belong to the contracted user based on the respective information, the card 1 is returned. It is displayed on the lips display section 22.

Next, when the user's PIN number is input by the key operator 25 and the transaction amount is input, PIN verification and balance inquiry are attempted, and if it is determined that the transaction is possible, the transaction record is stored in the memory means 70. The transaction information is such that only the necessary information selectively extracted in the reduction process step is printed out separately on the statement slip and journal.

Next, the card 1 is returned to the user, a statement slip is issued, and a cash payment is made to complete the transaction.

In addition, if you make a mistake in entering your PIN, you will be given the opportunity to try again, and even if it is determined that a transaction is not possible due to an insufficient balance, the information will be reduced and processed. The card is printed out on the statement slip and journal, and the transaction is completed either by collecting the card and issuing only the statement slip, or by issuing the statement slip when the card 1 is returned.

It should be noted that in the detailed explanation, a series of procedures from reading the information on the card l to cash payment are executed by the exchange of information, calculations, commands, etc. between the memory means 7o and the control means 80. There is no need to attempt it, so I will omit it.

Further, in this embodiment, a magnetic recording card has been described as the card l, but it goes without saying that a card with a built-in IC memory can also be used.

[Effects of the Invention] Since the present invention has the above-mentioned contents, it is a truly excellent invention that can process cash payments using both bank cards and credit cards of different standards using -1 automatic transaction processing device. It is also possible to safely continue transactions even in the event of an electrical failure.

In addition, since it has an overall cubic (large dice-like) appearance, it is compact and can easily be stored stably in any location, which is extremely effective in terms of space saving, and the printing method is also easy to read. , it is possible to analyze each transaction processing information in a dot shape and print the image, and it can be printed independently on the journal and statement slip, so the card will not be accidentally damaged due to pressure during printing. It is possible to obtain a safe item that is not likely to be damaged, and it is possible to achieve significant cost savings compared to conventional copy-type forms.

In addition, since the display section is designed so that the displayed content can only be seen in the direction of the user located near the front of the device, it has many advantages such as privacy protection. .

[Brief explanation of drawings]

Fig. 1 is a block diagram showing the correlation of each means of this device, Fig. 2 is a flowchart thereof, Fig. 3 is an electric circuit diagram, and Fig. 4 is a schematic external perspective view of this device. . l...Card 2...Automatic transaction processing device 22...-Display section 23...Card insertion and statement slip output slot 25...
Key human power section 30--Feeding means 40A, 40B--Magnetic league 50--Image scanner

Claims (1)

[Scope of Claims] 1. In an automatic transaction processing device capable of performing cash payment based on the result of reading the information on the card and comparing it with the input of a PIN number, the first surface of the card and the second An automatic transaction processing device characterized by having a set of invisible information reading means facing the surface of the device. 2. The automatic transaction processing device according to claim 1, wherein when power supply from an AC power source serving as a main power source is cut off due to a power outage or the like, processing can be continued using a secondary power source provided by a battery. 3. The automatic transaction processing device according to claim 1, wherein the overall external appearance of the device is a small, substantially cubic shape. 4. The automatic transaction processing device according to claim 1, wherein the display contents of the display section are configured to be visible only from near the front of the display section. 5. Regarding transaction processing, the information obtained by magnetic reading is converted into a digital signal, and the information obtained by image scanning can be individually printed on a journal and a transaction statement slip using dot printer means. Automatic transaction processing equipment.