JP6247964B2 - Guidance phone, automatic cash transaction equipment - Google Patents

Description

  The present invention relates to a guidance phone and an automatic cash transaction apparatus.

  In recent years, with the spread of automatic teller machines, automatic teller machines that have been installed only in financial institutions such as banks have been installed in convenience stores. In addition, automatic cash transaction equipment itself has been developed and developed with universal design in mind, and its operability has improved, so it has been difficult to use automatic cash transaction equipment in the past, including the elderly and people with visual disabilities, who are visually impaired. The use of the person is also increasing. The guidance phone installed in the automated teller machine uses a touch-tone phone to enter a phone number so that visually impaired people can enter the withdrawal amount and PIN when using the automated teller machine. It is equipped with a key input unit that is used for this. When a DTMF (Dual-Tone Multi-Frequency) sound, in which the signal sound transmitted each time the user presses a key on the guidance phone, is one-to-one with the key, is output as a sound at the time of key operation, When inputting a personal identification number, a push sound corresponding to the personal identification number may be intercepted by a high-performance microphone or the like, which causes a problem in terms of security.

  In order to solve these problems, it is assumed that a key operation confirmation sound is produced by using another DTMF sound that does not correspond to the operated key when a password is sent. There is a technique described in Japanese Patent No. 267432 (Patent Document 1). There is a description in this publication that “a telephone in which another DTMF signal sound not corresponding to the operated key is output as a confirmation sound of the key operation” is provided.

  In addition, for the purpose of providing a method for allowing the user to confirm the correctness of the input by the sound pattern and to maintain the security, the mapping information storage means corresponds to the input key in the input device when the password is input. Japanese Patent Laid-Open No. 2002-312103 (Patent Document 2) discloses a technique in which mapping information recorded in a computer is called out and output as an operation confirmation sound for input from a computer system. This gazette states that “when a user needs to input a password or number, for example, when inputting a password to an ATM terminal device, the correctness of the input can be confirmed by the operation confirmation sound pattern, and the password cannot be guessed from the operation confirmation sound. And providing a device ".

JP-A 61-267432 Japanese Patent Laid-Open No. 2002-312103

  However, there is a problem that crimes using automatic teller machines are increasing. One of the crimes is a skimming crime. A skimming crime is a crime in which information written on a magnetic card used in an automatic teller machine is extracted by a skimming machine and a card having the information is copied. A skimming machine is illegally attached to a card insertion portion of an automatic teller machine.

  In recent years, since a sophisticated skimming machine is attached to an automatic teller machine, there is a problem that the user does not notice that the skimming machine is attached to the automatic teller machine. In particular, if the automatic teller machine you are trying to use is an automatic teller machine that you are not familiar with, or if you do not use the automatic teller machine normally, the skimming machine is There was a problem that it was difficult for the user to notice that the transaction apparatus was attached. In addition, there is a problem that a skimming machine with a built-in camera causes damage to be read about the password as well as the magnetic information of the card. Such a problem has a problem that there is a possibility that damage to the personal identification number input from the key input unit of the guidance phone mounted on the automatic teller machine may be similarly read.

  In Patent Document 1, when inputting a personal identification number, a key operation confirmation sound is generated by using another DTMF sound that does not correspond to the key input at the silent timing between the key input and the key input. Is. However, in Patent Document 1, the key-input DTMF sound is not heard by the ear, but since it is actually transmitted through the telephone line of the telephone, it cannot be prevented when the telephone line signal is skimmed. was there. Similarly, in Patent Document 2, the key-input DTMF sound is not heard by the ear, but is actually transmitted through the telephone line of the telephone. Based on this key input sound, an operation confirmation sound for input from the computer system is used. As a result, there is a problem that it cannot be prevented when the signal of the telephone line is skimmed.

  In addition, the conventional automatic transaction apparatus has been desired to be reduced in size, cost, resource saving, easy manufacture, and improved usability.

  An object of the present invention is to provide an automatic teller machine capable of making it impossible to specify a personal identification number even when a signal on a telephone line is skimmed.

  In order to solve the above-described problems, one of the representative aspects of the present invention is a guidance phone used by a user for a transaction operation, and a guidance phone control unit that controls the guidance phone by connecting to the guidance phone via a signal line. The guidance phone includes a key input unit having a plurality of keys for receiving an input of a transaction operation from a user, and a key input unit based on a signal received from the gain dance phone control unit via a signal line at a predetermined timing. This is achieved by including a key input sound conversion unit that converts the key input sound of the key to a random number and a voice output unit that outputs the key input sound that is randomly converted to the user.

  According to the present invention, since the DTMF sound different from the actually input key is transmitted through the telephone line by randomly changing the DTMF sound output from the key input unit, the signal on the telephone line is skimmed. Even in this case, it is possible to make it impossible to specify the password. Further, since the DTMF sound used in the conventional telephone is used as it is, a new key operation sound recognizing part or the like is not required, so that it can be manufactured at a low cost.

The external view of an automatic teller machine. The block diagram which showed the automatic teller machine, the guidance phone, and the user. The system block diagram of the control part and guidance phone control part of an automatic teller machine. The conceptual diagram of the key input conversion part of a guidance phone. The flowchart which shows the determination process of a key input pattern from the DTMF sound input by the key. The system block diagram of the control part and guidance phone control part of an automatic teller machine. The conceptual diagram of the key input conversion part of a guidance phone. The conceptual diagram of the key input conversion part of a guidance phone. The system block diagram of the control part and guidance phone control part of an automatic teller machine.

  Hereinafter, examples will be described with reference to the drawings.

Hereinafter, an embodiment of the present invention will be described with reference to the drawings.
A: Overall configuration A-1. Device configuration:
FIG. 1 is an external view showing the side and front of an automatic teller machine 101 according to the present embodiment. The automatic cash transaction apparatus includes an operation panel unit 103 that is specified when the user 10 operates the cash transaction apparatus 101, a medium entry / exit for inserting a card from the user 10 and discharging a card / detail slip to the user 10. 105, a card statement section 104 for processing a medium (card) inserted from the medium inlet / outlet 105, a banknote inlet / outlet 108 for inserting banknotes from the user 10 and discharging banknotes to the user 10, and banknote storage Banknote part 107 for handling banknotes for conveyance, identification, etc., flicker lamp 106 and flicker lamp 109 for prompting user 10 to handle banknotes and media when inserting or receiving media or banknotes, and users for transactions Speaker 113 that outputs instruction voice to 10, key input unit 110 used for password and operation, and when the user 10 is a visually impaired person or the automatic teller machine 1 1 guidance phone 131 to be used for queries to the center when the failure, and a guidance phone control unit 121 for controlling the guidance Hong.

  In addition, the guidance phone 131 includes a speaker 133 that outputs an operation guidance voice from the automatic teller machine 101 to the user 10, a microphone 134 that inputs the voice of the user 10, a password and a key input unit 132 used for operation. The key input sound conversion unit 135 converts the key input sound in order to input the key input from the key input unit 132 by the user 10 to the guidance phone control unit 121.

  When using the guidance phone 131 as shown in FIG. 2, the user 10 removes the guidance phone 131 from the automatic teller machine 101 at an arbitrary timing, such as during a transaction or when the automatic teller machine 101 fails (off-hook). The guidance phone 131 is returned to the automatic teller machine 101 after use (also called on-hook).

  Next, the configuration of each device of the present embodiment will be described with reference to FIG. FIG. 3 is a diagram illustrating a connection configuration between the control unit 102 and the guidance phone control unit 121 of the automatic teller machine 101 according to the embodiment of the present invention.

  The control unit 102 of the automatic teller machine 101 includes an operation panel unit 103, a card statement slip unit 104, a medium input / output port 105, a key input unit 110, flicker lamps 106 and 109, a banknote unit 107, a banknote input / output port 108, and a speaker 113. Connect, send and receive control signals, and control each component. Further, the guidance phone control unit 121 is connected to the audio output line 112 output from the control unit 102 via the communication unit 111.

  The guidance phone 131 includes a key input unit 132, a speaker 133, a microphone 134, and a key input sound conversion unit 135, and is connected to the guidance phone control unit 121 via a telephone line 136 capable of transmitting a push signal. .

  The guidance phone control unit 121 is a key input determination unit 122 that determines which key of the guidance phone 131 is input to the user from the input of the guidance phone 131 input via the telephone line 136, and digitally inputs the input key signal. It includes a key input conversion unit 123 that converts data, a hook detection unit 124 that detects removal / return of the guidance phone 131, and an audio reproduction unit 125 that outputs operation audio to the guidance phone 131. Further, the guidance phone control unit 121 inputs information (analog information is converted into digital information) converted by the key input conversion unit 123 to the control unit 102 of the automatic teller machine 101 via the communication unit 111. The operation of the guidance phone control unit 121 will be described later.

  The automatic teller machine 101 is connected to the bank host computer 201 via the communication line 301. The bank host computer 201 transmits and receives information necessary for the transaction of the user 10. Even if the automatic teller machine 101 is down due to a failure or the like, the guidance phone is connected to a bank host computer or a call center (not shown) via the telephone line 136, the audio output line 112, and the communication line 301. You can deal with disabilities by talking.

  Here, the key voice input of the guidance phone 131 will be described with reference to FIG. FIG. 4 is a conceptual diagram of key input sound conversion of the guidance phone 131.

  In this embodiment, the key input unit 132 includes 12 keys of 0 key to 9 key, * key, and # key. Normally, the DTMF sounds output when the key is pressed are sounds 141 to 143 on the vertical axis (hereinafter, referred to as vertical sounds 141 to 143) and sounds 144 to 147 on the horizontal axis (hereinafter referred to as horizontal axis sounds 144 to 147). ) Is synthesized and output. Specifically, the vertical axis indicates three types of sounds with high frequencies, and the horizontal axis indicates four types of sounds with low frequencies. When each key is input, high and low frequencies corresponding to the vertical and horizontal axes are displayed. And the synthesized sound corresponding to each key is output.

  In this embodiment, the key input sound conversion unit 135 has a function of randomly switching the sounds 144 to 147 on the horizontal axis. That is, as shown in FIG. 4, the key input conversion unit 135 of this embodiment stores a plurality of key input patterns including four key input patterns 171 to 174 in advance, and randomly switches the key input patterns. For example, when the sound on the horizontal axis is switched to the key input pattern 172, when the user 10 presses the “1 key”, a synthesized sound of the vertical axis sound 141 and the horizontal axis sound 145 is output, and the synthesized sound A synthesized sound different from the synthesized sound of “1 key” converted by the key input pattern 171 is output.

  Considering the key input pattern 171 as a reference, the synthesized sound converted by the key input sound conversion unit 135 is a synthesized sound corresponding to “4 keys” even though the user 10 is pressing the 1 key. A person who is eavesdropping on the telephone line by skimming does not know the switched key input pattern and therefore cannot know the correct key actually pressed by the user 10. Accordingly, it is possible to increase security against skimming crimes.

  The synthesized sound converted and output by the key input sound conversion unit 135 is input to the guidance phone control unit 121 via the telephone line 136. The guidance phone control unit inputs the synthesized sound to the key input determination unit 122 in order to determine the input sound. Since the key input determination unit 122 stores in advance a key input pattern output from the key input sound conversion unit in a storage device such as a memory (not shown), the input sound is compared with the stored key input pattern. Thus, it is possible to specify which key is the key input by the key input unit 132. The output synthesized sound is output from the speaker 133 as an operation sound to the user.

In this embodiment, an example in which the sound on the horizontal axis is randomly changed has been described. Needless to say, the sound on the vertical axis may be changed, or both the vertical axis and the horizontal axis may be changed. Further, as described later, in this embodiment, the key input pattern is switched at the timing when the guide phone 131 is off-hooked, but it may be switched at an arbitrary timing such as switching every time one transaction is completed.
A-2. Anti-skimming treatment:
Next, key input using the apparatus of this embodiment will be described with reference to FIG. FIG. 5 is a flowchart showing a flow of skimming prevention processing in the present embodiment. The skimming prevention process is executed by the key input sound conversion unit 135 randomly switching the key input sound when the guidance phone 131 is off-hook and the power is supplied. Here, a case where the key input pattern 172 is selected as the key input pattern will be described as an example.

  In step S300, the guidance phone control unit 121 supplies power to the telephone line 136 after the hook detection unit 124 detects that the guidance phone 131 has been taken (off hook).

  In step S301, when the guidance phone 131 is taken and power is supplied, the key input sound conversion unit 135 performs a switching process for randomly switching the key input sound. In step S302, voice guidance prompting the user to select a process is reproduced on the speaker 133 of the guidance phone 131 by the voice reproduction unit 125, and the process waits for any one of the 1 key, 2 key, and 3 key to be pressed. The voice prompting the selection of the process is, for example, a voice for instructing to press the 1 key when performing a withdrawal transaction, and instructing to press the 2 key when performing a deposit transaction.

  In step S <b> 303, the key input determination unit 122 determines a key input pattern randomly selected from the selected one key, two keys, and three keys. For example, when 1 key is pressed, the DTMF sound corresponding to any one of the 1 key, 4 key, 7 key, and * key is selected, so that the DTMF sound of the selected key is randomly selected. The key input determination unit 122 determines the key input pattern selected in the above.

  The key input determination unit 122 compares the key input pattern stored in advance as described above with the sound input to the guidance phone control unit 121 and determines the key selected by the key input unit 132. In this embodiment, when the key input determination unit 122 detects a synthesized sound of the vertical axis sound 141 and the horizontal axis sound 145 (a sound corresponding to a DTMF sound of 4 keys in the key input pattern 171), the key input determination unit 122 uses the synthesized sound. It is determined that the key pressed by the person 10 is one key, and the key input pattern 172 is a pattern selected by the key input sound conversion unit 135 of the guidance phone 131 from key input patterns stored in a storage device (not shown). Judge that there is.

  However, there is a possibility that the user 10 erroneously inputs the key input at this point. Therefore, in the next step S304, the processing of the selected key after conversion by the key input conversion unit 123 based on the key input pattern 172. The voice guidance for confirming the content is played back. If it is OK, the voice of having the 0 key 160 pressed is played back when the # key 162 is redone. Specifically, a voice message “The selected transaction is a“ withdrawal transaction ”. If it is correct, enter the # key, and if it is incorrect, enter the 0 key” is reproduced.

  In step S305, the key pressed when selecting the process and the key pressed when confirming the process contents match the key input pattern 172 determined by the key input determination unit 122 from the key pressed when selecting the process. In this case, the process proceeds to step S306, and thereafter, the key input conversion unit 123 performs conversion processing based on the determined key input pattern 172. If it does not match the input pattern, or if the 0 key is pressed, the process returns to step S302 and starts again from the input. By performing such processing, erroneous detection due to erroneous key input can be prevented.

  As the subsequent processing, for example, a voice guidance that prompts the user to input a personal identification number from the voice reproduction unit 125 of the guidance phone control unit 121 is reproduced, and the key input pattern 172 in which the key data of the personal identification number input from the key input unit 132 is determined. After the conversion process is performed by the key input conversion unit 123 on the basis of the password, it is transmitted to the control unit 102 of the automatic teller machine 101 via the communication unit 103, and the PIN code encrypted by the bank host 201 is transmitted via the network 301. Sending and authenticating.

As described above, since the automatic teller machine 101 has the configuration described in this embodiment, a DTMF sound different from the key actually input from the guidance phone 131 is transmitted through the telephone line, so that the signal on the telephone line is skimmed. Even if the password is entered, the password cannot be specified. Therefore, the security of the user of the guidance phone 131 can be improved. In addition, since the DTMF sound used in the conventional telephone is used as it is, no new key operation sound recognition component or the like is required, so that the guidance phone can be manufactured at low cost.
B: Modification B-1: Modification 1
Next, a modification of the first embodiment will be described. This modification is for determining more accurately whether or not the input of the user 10 is an erroneous operation. A specific method will be described below.

  In the first embodiment, as described with reference to the flowchart of FIG. 5, the key input determination unit 122 causes the guidance phone 131 to input the user 10 with the 1 to 3 keys and then press the # key or the 0 key. Is determining the selected key input pattern.

  However, if the # key or the 0 key is input incorrectly, for example, if the 7 key is pressed instead of the # key, the key input determining unit 122 may determine an incorrect key input pattern. Therefore, in this modification, a configuration in which the key input determination unit 122 does not make an incorrect determination will be described.

  In this modification, the key input determination unit 122 stores key input patterns 701 to 704 shown in FIG. In the key input patterns 701 to 704, combinations of sounds corresponding to the horizontal axis sound 144 and the horizontal axis sound 147 are determined in one way. For example, when the 1 key is pressed in the flowchart of FIG. 5 and then the # key is pressed, the synthesized sound of the horizontal axis sound 144 and the vertical axis 141 is output, and then the synthesized sound of the horizontal axis 147 and the vertical axis 143 is output. Should be output. However, if the user 10 accidentally presses the 9 key instead of the # key, the synthesized sound of the horizontal axis 146 and the vertical axis 143 is output, but the key input determination unit 122 only has the key input patterns 701 to 704. Since it is known in advance that it is input, it is possible to determine that the input of the user 10 is incorrect when a combination sound of 1 key sound and # key sound other than those stored is received. .

Therefore, the key input determination unit 122 is a case where the user 10 makes an erroneous input by using a pattern that is uniquely determined for the combination of the horizontal axis sound 144 and the horizontal axis 147 (a combination that does not overlap with other patterns). However, it is possible to detect an erroneous input.
B-2: Modification 2
Next, another modification will be described. Unlike the first embodiment, this modification has a configuration in which the guidance phone 131 is connected to the guidance phone control unit 121 of the automatic teller machine 101 via the USB cable 138 instead of the telephone line 136. This modification will be described with reference to FIGS.

  FIG. 6 is a block diagram showing the configuration of the second modification. The difference from the first embodiment is that the guidance phone 131 includes a key input recognition conversion unit 137 and a key input sound reproduction unit 139. The key input recognition conversion unit 137 directly converts the key information input from the key input unit 132 into digital data, inputs the digital information to the guidance phone control unit 121 via the USB cable 138, and controls the control unit 102 via the communication unit 111. It is the conversion part which converts so that it can output directly.

  As shown in FIG. 7, when the key input recognition conversion unit 137 recognizes a key input, the key input sound reproduction unit 139 outputs a key press sound corresponding to the key (for example, outputs numbers 1 to 9 with the same input sound). To 133. The voice guidance output from the control unit 102 via the voice output line 112 is also output from the guidance phone control unit 121 from the speaker 133 of the guidance phone 131 via the USB cable 138.

  Thus, as described in this modification, by connecting the guidance phone 131 with the USB cable, it is possible to prevent the key input information from being stolen by eavesdropping on the DTMF sound. Alternatively, the key information input from the key input unit 132 by the key input recognition conversion unit 137 may be directly encrypted into digital data. In this case, higher security can be ensured.

Further, the sound output from the key input sound reproducing unit 139 to the speaker 133 may be changed for each operation. Specifically, the sound when the key input unit 132 is pressed is completely different from the DTMF sound. Further, if all the same sounds are output or all the different sounds are output, it is possible to increase security because a person who is trying to eavesdrop cannot determine which key is input.
B-3: Modification 3
Next, another modification will be described. When the key input sound conversion unit 135 depresses the key input unit 132 of the guidance phone 131, a sound different from the DTMF sound when a normal key input is performed is output to the user 10. For this reason, when the user 10 is a visually impaired person, the DTMF sound generated at the time of normal key input is stored and confirmed that the key input is correctly performed, and the user 10 may feel uncomfortable.

For this reason, before the guidance phone 131 goes off-hook and the user 10 performs key input, an operation explanation voice to the effect that “a sound different from normal key operation is produced for security assurance” is output in advance. By adopting the configuration of the present modification, the user 10 can be continuously operated without causing a sense of incongruity.
B-4: Modification 4
Next, another modification will be described. Unlike the first embodiment, this modified example is configured such that the guidance phone 131 is connected to the guidance phone control unit 121 of the automatic teller machine 101 via the key input sound output line 136A and the telephone line 136B instead of the telephone line 136. . This modification will be described with reference to FIG.

  FIG. 9 is a block diagram showing the configuration of the fourth modification. The difference from the first embodiment is that the guidance phone 131 includes a key input sound output line 136 </ b> A that is output via the key input recognition conversion unit 137. The DTMF sound when the key input recognition conversion unit 137 depresses the key input unit 132 of the guidance phone 131 is input to the guidance phone control unit 121 via the dedicated key input output line 136A. At this time, different sounds are output to the user 10 via the key input sound reproducing unit 139 to the speaker 132 of the guidance phone 131.

  By adopting the configuration of this modification, it is possible to prevent the key input information from being stolen by eavesdropping on the DTMF sound.

  The present invention is not limited to the above-described embodiments and modifications, and can be realized with various configurations without departing from the spirit thereof. For example, the technical features in the embodiments and the modifications corresponding to the technical features in each embodiment described in the summary section of the invention are to solve some or all of the above-described problems, or In order to achieve part or all of the effects, replacement or combination can be performed as appropriate. Further, if the technical feature is not described as essential in the present specification, it can be deleted as appropriate.

DESCRIPTION OF SYMBOLS 101 ... Automatic cash transaction apparatus, 102 ... Control part, 103 ... Operation panel part, 104 ... Card statement slip part, 105 ... Medium entrance / exit, 106 ... Audio | voice output line, 111 ... Communication means, 112 ... Audio output line, 121 ... Guidance phone control unit, 122 ... Key input determination unit, 123 ... Key input conversion unit, 124 ... Hook detection unit, 125・ ・ ・ Voice playback unit, 131 ... Guidance phone, 132 ... Key input unit, 133 ... Speaker, 134 ... Microphone, 135 ... Key input sound conversion unit, 136 ... Telephone line 136A: Key input sound output line, 136B: Telephone line, 137 ... Key input recognition conversion unit, 138 ... USB cable, 139 ... Key input sound reproduction unit, 141 ... Key Array 1 key vertical axis sound, 14 ... Key arrangement 2 key vertical axis sound, 143 ... Key arrangement 3 key vertical axis sound, 144 ... Key arrangement 1 key horizontal axis sound, 145 ... Key arrangement 4 key horizontal axis sound 146 ... Key arrangement 7 Key horizontal axis sound, 147 ... Key arrangement * Key horizontal axis sound, 171-174 ... Key input pattern, 701-704 ... Key input pattern

Claims (3)

A guidance phone used by the user for transaction operations;
A guidance phone control unit that is connected to the guidance phone via a signal line and controls the guidance phone;
The guidance phone stores a plurality of types of key input patterns having a plurality of keys for receiving inputs of the transaction operation from the user and a key input pattern for synthesizing and outputting different key input sounds for the plurality of keys. A key input sound conversion unit that randomly converts the key input sound to be output by randomly switching one pattern selected from the plurality of key input patterns at a predetermined timing, and the random input have a sound output unit which outputs the key input sound to the user,
The guidance phone control unit includes a key input determination unit that determines a key of the key input unit operated by the user from the converted key input sound input via the signal line,
The key input determination unit stores a key input pattern output from the key input sound conversion unit in advance, and determines a key input pattern from the input converted key input sound based on the stored key input pattern. An automatic cash transaction apparatus characterized by The automatic teller machine according to claim 1 ,
The voice output unit outputs operation guidance to the user,
The guidance phone control unit includes a voice reproduction unit that outputs voice to the voice output unit of the guidance phone, and the voice reproduction unit provides guidance that the key input unit inputs the key at least twice. An automatic teller machine characterized by controlling to output. The automatic teller machine according to claim 1 or 2 ,
The key input sound conversion unit outputs a high tone and a low tone synthesized sound corresponding to each key when one of the plurality of keys is pressed by the user's operation, and a high tone corresponding to each key. The automatic cash transaction apparatus according to claim 1, wherein the low tone is converted into a high tone or a low tone corresponding to another key selected from the key input pattern stored in the key input sound conversion unit in advance at the predetermined timing.

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