JPS59178596A - Transaction medium for automatic transaction equipment - 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] [Technical Field of the Invention] The present invention relates to an automatic transaction system that stores information for allowing transaction with an automatic transaction device such as a cash dispensing machine or a cash dispensing machine. Relating to improvements in transaction media for devices.

[Technical background of the invention and its problems]

2. Description of the Related Art In recent years, automatic transaction devices such as cash dispensers and cash dispensers have become widespread, and have achieved considerable results in improving the counter operations of financial institutions.

Normally, this type of automatic transaction device uses a transaction medium that stores unique information that differs depending on the medium, and the information stored in this medium matches the information input using other input means such as a keyboard. When this occurs, for example, if the passwords match, the authenticity of the media owner is verified and the transaction is permitted.

However, since the data arrangement in the storage section of conventional transaction media of this kind is common to each medium, there is a serious problem that there is a risk that this information may be read and misused by someone else.

[Purpose of the Invention] The present invention has been made based on the above circumstances, and its purpose is to make it extremely difficult for others to read information and to make it virtually impossible for others to misuse the information. The aim is to provide a transaction medium for automatic transaction devices that can be used with automated transaction devices.

[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 unique information that differs depending on the medium in order to allow transactions with the automatic transaction device, and provides a data arrangement of the unique information. is stored differently for each medium.

[Embodiments of the invention]

Hereinafter, the present invention will be described with reference to an embodiment shown in the drawings. FIG. 1 shows the installed state of an automatic transaction device 100 having a paper circulation adult withdrawal function that uses a deposit paper as a withdrawal paper. is installed so as to pass through the partition wall 3 and face the mechanized corner.

On the operation surface 2, a paper entry/exit 4, a card/passbook entry/exit 5, a display/input unit 6, a monitoring window 7, a user detection unit 8, etc. are arranged. Various types of equipment, which will be described later, are housed in correspondence with the above. That is, the deposit/withdrawal unit 9 corresponds to the paper entrance/exit 4, and the card/passbook unit 1 corresponds to the card/passbook entrance 5.
0, display/input crab knit 11 corresponding to display/input section 6
, a surveillance camera 1 as a photographing means corresponding to the surveillance window section 7;
2. User detection sensors 13 are provided corresponding to the user detection sections 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, a paper take-in/output mechanism 15 is installed η1 so as to face the paper entrance 4vtC.
From the bottom, the various safes (on the right side of the figure) store various safes, namely, ``Ninkin Loss'', 10,000 yen notes that cannot be withdrawn and paid, 1,000 yen notes, and 5,000 yen notes that have been deposited. A 5,000 yen storage section 16, a 1,000 yen note storage section 17 that stores 1,000 yen notes for withdrawals and 1,000 yen notes for deposits in a series of shortened notes, a 10,000 yen roll for people other than 10,000 yen notes for withdrawals and unfit notes. A 10,000 yen bill storage section 18 for storing 100,000 yen notes, and a collection cabinet 19 for storing leftover papers are arranged. Furthermore, inside the housing 14, an inspection section 20 for inspecting paper defects (P),
A temporary stacking section 21 is provided, and a paper transport path 22 is formed so that paper waste (P) can be transported to each section. In addition, sorting darts 2371 to 23e, which are driven by a rotary remaid (not shown), are arranged at the branching part of the paper waste conveyance path 22, and paper waste passage detectors (not shown) are provided at various places along the way. is installed.

Further, the paper transport path 22 is formed as follows. That is, a take-in conveyance path 22a is formed with the starting end of the paper take-in/output mechanism 15 provided corresponding to the paper waste entrance/exit 4.
It is in a state where it communicates with the central conveyance path 22b where is arranged. Moreover, this central conveyance path 22b is a divided conveyance path 22cK along the arrangement direction of each paper storage section 16, 17, 18.
It is in a connected state.

The separate conveyance path 22c includes storage conveyance paths 22d, 22e, and 22f for storing the waste paper (P) in each paper storage section 16, 17, and 18 and the collection warehouse 19.

22g is branched. Furthermore, the sorting conveyance path 22c includes a take-out conveyance path 22h for conveying the paper (P) taken out via the take-out mechanisms 24 provided in the respective paper storage sections 16, 17, and 18.

221.22j are in a state of merging.

In addition, the starting end of the central conveyance path 22b is connected to the terminal end of the sectional conveyance path 22c via the connecting conveyance path 22, and a branch is provided in the middle for conveying paper waste (P) to the temporary accumulation section 21. The conveyance path 221 is branched.

Further, a delivery conveyance path 22m is provided for conveying the paper sheets (P) of the temporary stacking section 210 to the take-in/delivery mechanism 15.

Next, the flow of paper loss (P) at the time of deposit will be explained with reference to FIG. 3(a). First, the sheets of paper (P...) inserted all at once into the paper slot D4 are taken in one by one by the loading/unloading mechanism 15 provided opposite the paper 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.
The distribution key arranged in c) 2,? b, 23
c and 23 d selectively operate to move the storage conveyance path 2
It is selectively distributed to 2d, 22e, and 22f. Then, 5,000 yen notes and damaged notes that cannot be used as withdrawal paper are stored in the damaged/unpayable notes/5,000 yen note storage section 16.
1,000 yen notes are placed in the 1,000 yen note storage section 17, and 10,000 yen notes are placed in the 1,000 yen note storage section 1.
Store each in 8.

On the other hand, if it is determined to be a counterfeit bill, it is sorted to the branch conveyance path 221 side by the sorting dart 23a as shown by the broken line arrow in the figure, and is transferred to the temporary stacking section 221 via this branch conveyance path 221.
It is accumulated in ノ.

At this time, the accumulated filter papers (P) are neatly accumulated by the impeller 25 so that they can be taken out all at once.

When the paper defect detector 26 detects that the paper defect (P) is no longer present at the paper defective entrance/exit 4, the temporarily accumulated counterfeit bills are conveyed toward the paper defective entrance 4VC via the delivery conveyance path 22m. be done. At this time, the paper stack (P...) is held in a state where the end of the paper stack (P...) protrudes from the paper stack entrance 4 by the function of the paper stack take-in/output mechanism 15, and the user It is configured so that it can be pulled out easily and all at once.

Next, the flow of paper loss (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 through the take-out conveyance path 22jr.
It is fed into the divided conveyance path 22c via z2+. Then, go straight on this divided conveyance path 2'2c to the connecting conveyance path 22.
k to the central conveyance path 22b, and is sent to the inspection section 20.
Checks whether it is squishy or takes two cards, etc., and determines whether it is a "payment tube" or [no payment required -1].

Then, the waste paper (P) determined to be a "payment tube" is distributed to the branch conveyance path 221 side via the distribution gate 23a as shown by the solid line arrow in the figure, and is accumulated in the temporary accumulation section 21, where all the paper After the paper (P) has been taken out, it is dispensed all at once to the paper stack entrance 4.

On the other hand, paper Vf-(P) such as sugee and two-sheet paper Vf-(P), which has been determined to be "unpayable" by the inspection section 20, is not sorted by the sorting dart 23a and passes through the central conveyance path 22b, as shown by the broken line arrow in the figure. It is directly fed into the sectional conveyance path 22c. Then, the sorting basket 23b distributes the bills to the lowest storage conveyance path 22.1 and stores them in the unfit/non-payable bills/5,000 yen bill storage section 16.

In addition, when depositing and withdrawing money, please use the paper entrance (4)
If you forget to take out P), take in and transport path 22a as shown by the solid arrow in FIG. 3(C).

It is configured to be transported to the collection warehouse 19 and stored through the central transport path 22b, the divided transport path 22C1, and the uppermost storage transport.

Next, referring to FIGS. 4 and 5, the configuration of the card/passbook unit 1θ 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 3θ, a conveying 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
An optical sensor, a card reading unit 37 for the memory cards 36a to 36d11C (C)K, and a shutter 39 for opening and closing the conveyance path 31 using a solenoid 38 are sequentially provided on the side. The card reading section 37 is connected to the transport path 31
A contact surface 4o provided on the upper surface side and a receiver receiving contact pressure have a stand 41, and the contact surface 40 is attached to a support lever 44 which swings about a support shaft 43 by a solenoid 42. .

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 print trends on the passbook (E), and a magnetic head 46 for reading the passbook (E) from the magnetic strino. is provided.

Furthermore, a printing device 47 is provided further behind these. This printing device 47 has a guide shaft 48.48.
The printer has a print head 50 mounted on a gear ridge 49 that is guided by a gear ridge 49 and can reciprocate in a direction perpendicular to the conveyance path 31, and an anvil 5 provided along the moving direction of the print head 5θ. There is. 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 starting to get out of hand.

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... and guide plate pair 5
Conveyance path 31 via slip conveyance path 59 formed from eight rivers.
The cards are merged at the rear of the shirt shirt 39 arrangement position and are carried out to the card/passbook entrance 5.

In addition, at the other end of the conveyance path 31, that is, on the opposite side from the card/passbook entrance/exit 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 6o for storing the items 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, and the overall structure is conventional. It has a similar appearance to a magnetic card.

Further, the back 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 an account number and a personal identification number using magnetic reversal. Writes and reads information. 66 is I
C memory, 66 contact portions 62 of this IC memory,
It is an LSI in which an input/output control section 67, a central control section 68, and a storage section 69 are integrated in high density.The storage section 69 includes a program memory 69a1 that stores UrJ control procedures, and a readable/writable data memory 69b1 that cannot be read from outside the card. , key data memory 69c protected against rewritability
It consists of

Note that the magnetic stripe 63 of the IC memory card (C) records the account registration number, PIN number, etc., and the IC memory 66 stores the same account number as above and a second identification number in addition to the IfiτfnE number. is recorded.

When the PIN number recorded on the magnetic stripe 63 is keyed in, the transaction is restricted, such as being able to withdraw up to 100,000 yen per day, and is recorded in 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 sensor 36b, '36
In this case, the IC memory card (with the shutter 39 closed) should be positioned so that the tip of the IC memory card is in contact with the shutter 39.Then, the solenoid 42 is operated and the
The support lever 44 swings around the support shaft 43 as a fulcrum a)7
The contact surface 4o attached to the tip side is the contact portion 6 of the IC memory card (C);! They are electrically connected to each other by pressure contact and transmit and receive signals.

Also, when the passbook (E) is inserted, the optical sensors 36a to 3
6d becomes dark. In this case, the Kenyatta 39 is opened to operate the drive system of the conveyance path 31, and while taking in the passbook (E), the peno mark and print trend are read out using the reflective sensor +145, and then the printing device is opened. 47 to perform a predetermined position.

As shown in FIG. 5, a grounded conductor 70 is attached to the groove 33 of the card/passbook entry/exit D5, 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 structure of the display/input crab knit 11 will be explained with reference to FIGS. 8 to 10. Display/Crab knit 11
As shown in Fig. 8, CRT (
screen display device) 77 and the screen section 71 of this CRT 71
It has a transparent keyboard 72 as an operation input means that is provided in a state that covers the casing 73. The transparent keyboard 72 is the ninth
As shown in the figure, transparent electrodes 75... are embedded in a transparent plate 74, forming an IJx circuit of X1 to X5, Y1 to Y4, and outputting according to the part pressed by the user. It is configured so that it can be released. Furthermore, the transparent plate 74 has approximately the same curvature as the screen portion 71a of the CRT 71, thereby preventing parallax.

In addition, the display/input unit 1 is arranged on a support shaft 7 so that it can be selectively accessed from both the front and rear sides of the main body 1.
6, and are held in the positions shown by solid lines or double-dotted lines in FIG. 8 by abutting against stoppers 77 and 78, respectively.

In addition, 79.80 is a switch that serves as a detector to detect the position of the display/input crab knit 11, and when the switch 79 is 0Nl, it is in Toge 1 mode and the switch 80 is ON.
The controller is configured to be controlled so as to switch to the attendant operation mode when

In addition, the transparent keyboard 72 is connected to the screen portion 71 of the CRT 71.
When h is displayed as shown in FIG. 10, it is used as a numeric keypad, and when it is displayed in another way, it is displayed as a numeric keypad.

As explained above, the automatic transaction device 100 has an input/output section consisting of three units: a deposit/withdrawal unit 9, a card/passbook unit 10, a display/input unit 11, and a voice guidance device 99. As shown in FIG. 11, the main control unit yo controls the main control unit yo according to a predetermined procedure of the program memory 91. In addition, 92 in FIG. 11 is a transaction record memory,
Transaction records that were conventionally recorded on journal paper are recorded on a floppy disk 93. Further, the main control unit 90 is connected to a central processing unit (center CPU) via a line.
) 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 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 configured to be displayed on the remote monitor 95 or recorded on the image recording device 98 via the video switching device 97.

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 used for storing information and preventing crime. Once again, efforts are being made to reduce recording costs in order to improve the convenience of retrieval in the event of an occurrence.

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 the program memory 69a+7'-
It consists of a data memory 69b and a key data memory 69c. The program memory 69a first stores a data format 69a-1 that defines the memory arrangement of the data memory 69a. This R-Tough Oh Matsutoro 9a-1 has different settings for each cart, so even if the contents of the data memory 69b of a certain card are read out, it is difficult to know how the multiple pieces of data are structured. Furthermore, 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 59a-1 may be changed each time a transaction is made. Further, the program memory 69a stores fixed data 69a-2 and 69a-3 of two fixed transactions A and B for the convenience of users who often execute fixed transactions and to avoid input operations each time. ing.

In the example shown in FIG. 12, fixed transaction A is a transfer of a specific amount to an account number, and fixed transaction B is a fixed amount withdrawal information. For example, as shown in the display screen 71a of the CRT 7Z in FIG.
The number of steps to do l- is worth it. Moreover, the meaning of the ``Lokey'' in FIG. 13 is to rewrite the contents of a fixed transaction by pressing the ``Main'' key and inputting the keys by the user himself while being guided by the ICRT 71. A flowchart of the changes is shown in FIG. Next, data memo IJ 69 b contains account number 1 name 69bL1. Offline transaction credit balance 69b-2, previous previous transaction data 69b-3, card-specific random number sequence 69b
-4 is stored according to the fixed sand of the data format 69a-1 of the program memory 69a.

FIGS. 15(a) and 15(b) show storage soft parts of different formats. Both FIGS. 15(a) and 15(b) show a unique arrangement based on the definition of the data format 69a-1 explained earlier. In addition to the transaction date and time, transaction machine temperature, transaction type, transaction amount, denomination number,
It can store the latest balance, unrecorded data, account number, etc. When a transaction is completed, the previous transaction data is moved to the transaction data area L2 shown in the range of 3Ck to 4DA or 3CB to 4DB and stored, and the transaction data is transferred to JAA to ? BA or 5 Fi, B
-6FB is stored in the previous transaction data area L1. Thereby, it remains as evidence that the previous transaction and the transaction before the previous one were certainly executed using the IC memory card C.

In addition, the data memo IJ 59b has a random number sequence 69b-4.
A, 'B, and C are stored as A, 'B, and C. If an account number is a name for humans, it is equivalent to a fingerprint, and the amount of information is extremely large compared to an account number. , this information is provided with i4 turns each corresponding to a random number, and is stored in a journal 101 in a predetermined format in a printer (not shown) as shown in FIG.
By printing this on the card and keeping it as a copy on the bank's side, proof that the card-C was indeed used is left behind. Next, key data memo 1 Noro 9e contains 6
9 cm 1.69 cm 2, the code numbers A and B are written down and entered by the user from the keyboard 72, and the control unit 68 inputs the code numbers into the specified algorithm; When this code is input into the IC memory card C, the central processing unit 94 in the IC memory card C performs a match check and outputs a match or mismatch signal to the device side again.
The PIN number in the memory card C is not output to the outside of the IC memory card C, so it has extremely high confidentiality.O On the other hand, there are two types of encrypted PIN numbers, A and 'B.
A type of PIN number is given to the user, and transactions are limited depending on how the PIN number is used, that is, whether PIN A or B is used. If PIN A is entered, payments can be made up to the offline credit balance stored in IC memory card C, regardless of the account balance; however, if PIN B is entered, payments can only be made up to the account balance. One example is a method that cannot be used. 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 unique information that differs depending on the medium in order to allow transactions with the automatic transaction device. is stored differently for each medium.

Therefore, compared to conventional media in which the data arrangement is common to all media, it is extremely difficult for others to read the information, and it is effectively impossible for others to misuse the information.

[Brief Description of the 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, and Fig. 2 is a schematic diagram of a deposit/withdrawal unit built into the automatic transaction device. The configuration diagram, Figure 3 (a) is an explanatory diagram showing the flow of paper errors during the deposit operation, Figure 3 (
b) is an explanatory diagram showing the flow of paper waste when withdrawing money, Figure 3 (c) is a diagram showing the flow of paper waste when collecting forgotten items, and Figure 4 is a schematic diagram of the card/passbook unit. Configuration diagram, 5th
6 is a perspective view of the card/passbook entrance/exit section, FIG. 6 is a perspective view of an IC memory card which is a transaction medium of the present invention, and FIG.
The figure also shows the conceptual configuration of an IC memory card.
Figure 8 is a schematic diagram of the display/input crab unit, Figure 9 is a schematic diagram of the transparent keyboard, Figure 10 is an explanatory diagram showing the display state of the CRT, and Figure 11 is the configuration of the automatic transaction device. 12 is an explanatory diagram illustrating the configuration of the storage section of the IC memory card; FIG. 13 is an explanatory diagram showing the display state of the CRT; 14 is a flowchart for changing the contents of a fixed transaction; 15(a) and 15(b) are explanatory diagrams showing an example of the storage state of different formants, which are the essential parts of the present invention, and FIG. 16 is an illustration of printing corresponding to the stored random numbers. FIG. 3 is a plan view showing a glossy finish. 1oo...Automatic transaction device, 10...Card/passbook unit, C...Transaction medium (IC memory card), 66
”' Note 1: at'91s (I Cme%!J). 1 (a) (b) Figure 16←525-

Claims (3)

[Claims] (1) Automatic weir 1 An automatic weir that stores unique information that differs for each medium in order to allow transactions with the device. A transaction medium for an automatic transaction device, characterized in that it is stored in memory. (2) The transaction medium for an automatic transaction device according to claim 1, wherein the data arrangement of the unique information changes every time a transaction is made. (3) A transaction medium for an automatic transaction device as set forth in claim 1, wherein the information storage section is constituted by an IC memory.