JP6931238B2 - Automatic teller machine - Google Patents

Description

The present invention relates to an automated teller machine (ATM) that handles banknotes and the like, and more particularly to an automatic teller machine equipped with a non-contact IC (Integrated Circuit) card reader / writer.

In recent years, automated teller machines have been installed in places other than bank stores, and are also used for various purposes other than cash transactions using conventional general magnetic cards. Applications of automated teller machines other than cash transactions include electronic money services. A non-contact IC card having a wireless communication function is usually used for an electronic money service or the like. In this case, the automated teller machine includes a non-contact IC card reader / writer unit that reads the information on the non-contact IC card or writes the information on the non-contact IC card. Specifically, the non-contact IC card reader / writer section has functions for reading and writing various electronic money cards, licenses, My Number cards, and the like.

This type of automated teller machine tends to be installed in 24-hour stores or in a busy and narrow place, such as a convenience store ATM. For this reason, recent automatic teller machines equipped with a non-contact IC card reader / writer section are also required to be miniaturized.

With the diversification of services provided by automated teller machines, non-contact IC cards are expected to have more and more opportunities to use cards containing personal information such as driver's licenses and My Number cards. On the other hand, with the increase in transaction volume, the problem of misplacement of non-contact IC cards is increasing. Although the user's own enlightenment is the best for this problem, the automatic teller machine also makes announcements with guidance lamps and speakers. However, the problem of misplacement has not been completely solved even if measures are taken using an announcement to prevent misplacement on guide lamps and speakers using an automated teller machine.

Examples of the technique related to the present invention include Patent Document 1. Patent Document 1 describes an automated teller machine equipped with a non-contact IC card reader / writer unit. Further, Patent Document 1 is an automated teller machine that uses both a magnetic card and a contactless IC card in which a contactless IC chip is embedded, which prevents confusion in the card installation location and is a contactless IC card. A function to prevent misplacement of the card is disclosed. Further, in Patent Document 1, as a measure against misplacement of the non-contact IC card, the non-contact IC card reader / writer portion is tilted from substantially horizontal, and the non-contact IC card is placed in a card storage box provided below. The mechanism for dropping is disclosed.

Japanese Unexamined Patent Publication No. 2008-257356

An automated teller machine that handles a magnetic card is generally equipped with a function of storing (sucking) the magnetic card in the device under predetermined conditions when the user forgets to remove it after using the magnetic card. On the other hand, an automated teller machine that handles non-contact IC cards usually urges the user to collect the non-contact IC card after any processing related to the transaction, and the non-contact IC card is placed even after a certain period of time has passed. If this is the case, the screen display and speaker sound are strongly urged to collect the card so that the user does not leave without taking the non-contact IC.

Further, in the automatic teller machine described in Patent Document 1, when a user misplaces a non-contact IC card after using it, the non-contact IC card is stored in a card storage box in the device under predetermined conditions. ..

However, like the automated teller machine described in Patent Document 1, the non-contact IC card reader / writer portion provided with the non-contact IC card collection structure needs to be provided with a side wall and a mechanism for tilting the holding table. , Structurally complicated. Further, it is necessary to place the non-contact IC card in a plane at the installation position of the non-contact IC card reader / writer, and to rotate the non-contact IC card with respect to the plane and incline it by a predetermined angle when the non-contact IC card is misplaced. be. Therefore, the automated teller machine described in Patent Document 1 requires a large space. Therefore, it is not suitable for a small automatic teller machine to have a non-contact IC card collection structure provided with a mechanism for tilting and rotating the non-contact IC card reader / writer portion as in Patent Document 1.

An object of the present invention is to provide an automated teller machine that realizes a storage place for a misplaced non-contact IC card with a small space and an inexpensive mechanism and alleviates the problem of forgetting the non-contact IC card.
Another object of the present invention is to provide an automated teller machine capable of storing and returning a misplaced non-contact IC card by utilizing the function peculiar to the non-contact IC card.

In the automated teller machine according to an embodiment of the present invention, a housing having an upright surface, a non-contact communication unit arranged on the upright surface, and a non-contact IC card are placed on the surface of the non-contact communication unit. If so, a non-contact IC card reader / writer unit for reading and writing to the non-contact IC card, a card storage box provided below the non-contact communication unit, and a lower portion of the non-contact communication unit are provided. A card collection mechanism that slides a non-contact IC card placed on the surface of the non-contact communication unit into the card storage box by opening the gate portion, and the non-contact IC card reader / A determination unit that determines whether or not a non-contact IC card is placed on the surface of the writer unit and a gate unit that opens the gate unit when the misplacement condition is satisfied with reference to the determination result of the determination unit are used to open the non-contact IC card. It is characterized by including a control unit for sliding a non-contact IC card mounted on the surface of the contact communication unit onto the card storage box.

The control method of the automated teller machine according to the embodiment of the present invention reads / writes a non-contact communication unit arranged on an upright surface of a housing and a non-contact IC card placed on the surface of the non-contact communication unit. The non-contact communication unit is operated by operating a non-contact IC card reader / writer unit, a card storage box provided below the non-contact communication unit, and a gate unit provided at least on the lower surface of the non-contact communication unit. It is a control method of an automatic teller machine equipped with a card collection mechanism for sliding a non-contact IC card placed on an upright surface of the card into the card storage box, and the processor is the non-contact IC card reader /. It is determined whether or not a non-contact IC card is mounted on the surface of the writer portion, and the non-contact IC card mounted on the upright surface of the non-contact communication portion is slid down into the card storage box. As described above, the card collection mechanism is operated when the misplacement condition is satisfied with reference to the determination result.

According to the present invention, it is possible to provide an automated teller machine that realizes a storage place for a misplaced non-contact IC card in a small space with an inexpensive mechanism and alleviates the problem of forgetting the non-contact IC card.

It is explanatory drawing which shows the appearance example of the automated teller machine 1 which concerns on 1st Embodiment of this invention. It is a functional block diagram which showed the automated teller machine 1 of 1st Embodiment. (A), (b), and (c) are diagrams for explaining the storage operation of the non-contact IC card of the automated teller machine 1 of the first embodiment. This is an example of a flowchart illustrating an operation of collecting a non-contact IC card forgotten at the time of service using a non-contact IC card by the automatic teller machine 1 of the first embodiment. It is a flowchart explaining the operation of returning the forgotten non-contact IC card to the user by the automatic teller machine 1 of 1st Embodiment. It is a flowchart explaining the work that the administrator collects the non-contact IC card which was forgotten by the automatic teller machine 1 of 1st Embodiment. This is an example of a flowchart illustrating an operation of collecting a non-contact IC card forgotten at the time of service using a non-contact IC card by the automatic teller machine 1 according to the second embodiment of the present invention. It is a functional block diagram which shows the automated teller machine 1 which concerns on 3rd Embodiment of this invention. It is a flowchart which showed an example of the operation of returning the non-contact IC card which was forgotten by the automatic teller machine 1 which concerns on 3rd Embodiment to a user. It is explanatory drawing which shows the appearance example of the automated teller machine 1 which concerns on 4th Embodiment of this invention. It is explanatory drawing which shows the appearance example of the automated teller machine 1 which concerns on 5th Embodiment of this invention. It is a functional block diagram which shows the automated teller machine 1 which concerns on 5th Embodiment. It is a flowchart explaining the operation of returning a non-contact IC card which was forgotten to be taken by the 5th Embodiment to a user. It is a flowchart explaining the operation of returning the non-contact IC card which was forgotten by the automatic teller machine 1 which concerns on 6th Embodiment of this invention to a user.

Next, an embodiment of the present invention will be described with reference to the drawings. Here, only the part peculiar to the automated teller machine according to the present invention will be mainly described.

[First Embodiment]
FIG. 1 is an explanatory diagram showing an external example of the automated teller machine 1 according to the embodiment of the present invention.

The illustrated automatic teller machine 1 is an automated teller machine for non-contact IC cards, and a user can perform various operations such as depositing, withdrawing, and transferring money to a bank account, or charging electronic money. Can be done. The automated teller machine 1 is generally installed in a store of a financial institution or a securities company, or installed in a convenience store or a station yard, and is used by many users.

The functions of the automated teller machine 1 related to bank transactions at normal times are the same as those of the automated teller machines. In addition, the illustrated automated teller machine is connected to the management center. The management center manages the state of each of a large number of automated teller machines, and it is also possible to talk with the user via an intercom or the like provided in each automated teller machine.

Further, it is assumed that the automated teller machine 1 of the present embodiment supports various services using a mobile terminal such as a non-contact IC card or a smartphone equipped with a non-contact IC.

As shown in FIG. 1, the automated teller machine 1 includes a housing placed on the floor so as to face the user, and the housing has a horizontal plane horizontal to the floor surface and an upright position from the horizontal plane. It has an upright surface. In the present specification, the upright plane includes not only a plane perpendicular to a horizontal plane but also a plane inclined with respect to a horizontal plane.
A non-contact communication unit 10 is provided on one of the upright surfaces of the automated teller machine 1. Further, wall portions are formed on both the left and right sides of the non-contact communication unit 10, and a gate portion 20 is provided below the non-contact communication unit 10. A card storage box 30 is provided below the gate 20 of the non-contact communication unit 10. The card storage box 30 is a place where the non-contact IC card is stored when the user misplaces the non-contact IC card.

A bill handling unit 40 is provided on the horizontal surface of the housing portion of the automated teller machine 1. Further, although the illustrated automatic teller machine 1 is not equipped with a coin handling unit, a biometric authentication unit, or a passbook handling unit, these units may be mounted next to the bill handling unit 40 if necessary. ..

FIG. 2 is a functional block diagram showing an automated teller machine 1 according to the first embodiment of the present invention. The automated teller machine 1 includes a non-contact IC card reader / writer unit 100, a card collection mechanism 200, a determination unit 300, and a control unit 400. Each component is configured as follows.

The non-contact IC card reader / writer unit 100 reads / writes a non-contact IC card placed on the surface of the non-contact communication unit 10 (see FIG. 1). The standard of the corresponding non-contact IC card is not particularly limited. It is sufficient to support reading and writing of various electronic money cards, licenses, My Number cards, etc. according to the corresponding services.

The card collection mechanism 200 operates a gate portion 20 provided on the lower surface of the non-contact communication unit 10 to slide the non-contact IC card placed on the surface of the non-contact communication unit 10 into the card storage box 30. .. Here, the gate unit 20 constituting the card collection mechanism 200 has a gate structure that opens for a certain period of time when the misplacement condition is satisfied while the user is conducting a transaction using the non-contact communication unit 10. You just have to do it. Further, the gate unit 20 may have a gate structure configured to open when the user leaves the automated teller machine 1 during or after the transaction. In any case, the gate portion 20 may be configured to open only for the time when the user's non-contact IC card falls into the card storage box 30.

The determination unit 300 determines whether or not the non-contact IC card is placed on the surface of the non-contact communication unit 10. The determination unit 300 may determine the presence or absence of the non-contact IC card by using the communication function of the non-contact IC card reader / writer unit 100. In this case, the determination unit 300 may include a transmitter / receiver electromagnetically coupled to the card collection mechanism 200. Further, the determination unit 300 may separately provide a sensor for recognizing the non-contact IC card to determine the presence or absence of the non-contact IC card. In this case, the determination unit 300 may be a switch that is turned on by contact with the non-contact IC card.

The control unit 400 operates the card collection mechanism 200 when the misplacement condition is satisfied with reference to the determination result of the determination unit 300, and cards the non-contact IC card mounted on the surface of the non-contact communication unit 10. Slide it down into the storage box 30.

In addition to the above, the automated teller machine 1 may be provided with various units (intercom, magnetic card unit, banknote unit, advertising display, lighting, etc.) in the same manner as the ordinary automated teller machine. .. Further, if necessary, a passbook unit, a coin unit, or the like may be mounted.

FIG. 3 is a diagram illustrating a non-contact IC card storage operation of the automated teller machine 1 shown in FIG.

As shown in FIG. 3A, when using a service using a non-contact IC card, the user places a necessary non-contact IC card in the non-contact communication unit 10. At this time, since the non-contact communication unit 10 is arranged on the upright surface of the housing, it is actually arranged on the gate portion 20 provided on the lower surface of the non-contact communication unit 10. In this state, the transaction using the user's non-contact IC card is executed. Further, after executing the transaction, the automatic teller machine 1 prompts the collection of the non-contact IC card by an announcement by a guide lamp or a speaker.

It is assumed that the non-contact IC card is left in the state shown in FIG. 3A even after prompting the collection of the non-contact IC card. Whether or not this is left unattended (whether or not the misplacement condition is satisfied) is determined by the determination unit 300 that the non-contact IC card is still mounted on the surface of the non-contact communication unit 10. It may be determined by the passage of time after the transaction. Further, it may be added as a condition whether or not the user is currently in front of the automatic teller machine 1.

After that, when it is determined that the non-contact IC card has been left unattended, the control unit 400 of the automatic teller machine 1 releases the gate unit 20 of the card collection mechanism 200 as shown in FIG. 3 (b), and the non-contact IC Drop the card into the card storage box 30. As a result, the non-contact IC card slides down into the card storage box 30 provided below.

After that, the control unit 400 of the automated teller machine 1 closes the gate unit 20, returns to the normal transaction state as shown in FIG. 3C, and shifts to a state in which another non-contact IC card can be used. do. According to this configuration, even if the non-contact IC card that has been forgotten to be removed remains in the automated teller machine 1, the next user has an advantage that the automated teller machine 1 can be continuously used.

The non-contact IC card stored in the card storage box 30 by the card collection mechanism 200 is taken out by the administrator or security guard of the automated teller machine 1, and is returned to the person who wishes to return it (owner) after performing identity verification or the like. Further, the non-contact IC card may be returned to the person who wishes to return the non-contact IC card (owner) by effectively utilizing the communication function between the non-contact IC card and the non-contact communication unit 10 to remotely perform identity verification or the like. ..

Next, the operation of storing the non-contact IC card of the automated teller machine 1 and the operation of taking out the non-contact IC card will be described.

FIG. 4 illustrates the operation until the forgotten non-contact IC card is collected from the automatic teller machine 1 at the time of the transaction using the non-contact IC card by the automated teller machine 1 according to the first embodiment of the present invention. This is an example of a flowchart to be performed.

The control unit 400 of the automatic teller machine 1 accepts the start of a transaction using a non-contact IC card and identifies the non-contact IC card placed at the card installation location (S101).

The control unit 400 of the automatic teller machine 1 operates the non-contact IC card reader / writer unit 100 to execute a predetermined transaction of a transaction designated by the user (S102).

After the predetermined processing is completed, the automatic teller machine 1 prompts the user to collect the card by the transaction screen, the guidance display around the card installation location, and the speaker built in the device, and the non-contact IC card is not used. Detects whether or not it remains in the contact communication unit 10. In addition, the automatic teller machine 1 has a screen display and a speaker so that the user does not leave without taking the card when the card is left after a certain period of time or when the movement of the user is detected. While strongly urging the collection of the card by an alarm such as voice, it is detected whether or not the non-contact IC card remains in the non-contact communication unit 10 (S103-S105).

Further, if the card is still placed after the alarm, the control unit 400 of the automatic teller machine 1 determines that the user has left with the non-contact IC card placed based on the misplacement condition, and determines that the user has left the card collection mechanism 200. The gate portion 20 is opened, and the non-contact IC card is stored in the card storage box 30 (S106).

Next, operations related to the removal of the non-contact IC card of the automated teller machine 1 will be described.

FIG. 5 is a flowchart showing an example of a business routine for returning a non-contact IC card forgotten by the automatic teller machine 1 to a user. The non-contact IC card stored in the automated teller machine 1 may be returned to the user as one routine according to the following procedure.

Here, the start of a series of return routines is a contact from a return applicant (user) to the management center, but may be, for example, a contact from a store employee or a security guard to the management center.

When the user of the automated teller machine 1 notices that he / she has forgotten the non-contact IC card in the automated teller machine 1 or that he / she does not have it, the automated teller machine 1 or the like contacts the management center and misplaces the card. Notify that there is a possibility of misplacement or misplacement (S201). In this case, the user can contact the management center by, for example, an intercom provided in the automated teller machine 1.

The management center (operator) confirms by remote monitoring whether or not the non-contact IC card is stored in the card storage box 30 of the corresponding automatic teller machine 1 or the candidate automated teller machine 1 by hearing from the user or the like ( S202). Whether or not there is a non-contact IC card in the card storage box 30 is determined by, for example, providing a communication function for the non-contact IC card in the card storage box 30 and using the communication function between the non-contact IC card and the card storage box 30 in the management center. It can be confirmed by communicating. After confirmation, if there is no non-contact IC card in the card storage box 30 of the relevant automated teller machine 1 or the candidate automated teller machine 1, contact the person who wishes to return that there is no collected non-contact IC card. End the return processing routine. Further, it is not always necessary to limit the confirmation to the card storage box 30 of one automated teller machine 1. For example, like all the automated teller machines 1 in one station yard, a plurality of automated teller machines 1 (card storage boxes). 30 groups) may be configured so that they can be checked collectively.

Next, when it is confirmed that the non-contact IC card is stored, the management center (operator) requests a security company or the like to take out the non-contact IC card from the card storage box 30 of the corresponding automatic teller machine 1. (S203).

Upon receiving a request from the management center, the security company or the like takes out the non-contact IC card from the relevant automated teller machine 1 (S204).

The security company or the like confirms that the non-contact IC card taken out is the property of the user, and if it can be confirmed with the owner (Yes in S205), returns it to the user (S206). If it cannot be confirmed that the property belongs to the user (No in S205), the user is notified to that effect and the non-contact IC card is taken back as a forgotten item. In FIG. 5, it has been described that a security company or the like confirms the identity of the owner of the non-contact IC card, but the identity of the owner may be confirmed by communicating with the management center.

FIG. 6 is a flowchart showing an example of a business routine in which the administrator collects a non-contact IC card forgotten by the automatic teller machine 1. For the non-contact IC card stored in the card storage box 30 of the automated teller machine 1, the non-contact IC card stored in the card storage box 30 may be collected by using the following procedure as one routine. The collected non-contact IC card may be handed over to the administrator of the card immediately or after a certain period of time.

If the non-contact IC card is stored in the card storage box 30, the non-contact IC card cannot be stored if the card is forgotten to be removed. Therefore, the stored cards will be taken out periodically according to the following procedure. Here, a business routine is adopted in which the non-contact IC card forgotten by the administrator or the like is immediately collected if the non-contact IC card is stored in the card storage box 30 and is forgotten to be removed. May be done. Further, the card storage box 30 may have a volume capable of storing a plurality of non-contact IC cards. When a plurality of non-contact IC cards are configured to be storable, information on the number of stored cards may be appropriately recorded and managed in a predetermined area.

With reference to FIG. 6, the management center starts regular maintenance and confirms whether or not the non-contact IC card is stored in the card storage box 30 of each automated teller machine 1 (S301, S302).

If it is stored, the management center notifies the security company or the like which automatic teller machine 1 contains the non-contact IC card, and requests the automatic teller machine 1 to collect the non-contact IC card (S303). ..

Upon receiving a request from the management center, the security company or the like takes out the non-contact IC card from the corresponding automatic teller machine 1, collects and forwards the non-contact IC card (S304, S305).

For example, a non-contact IC card in which the contact information of the person is described may include a routine in which a security company or the like contacts and returns the card to the person.

As described above, the automated teller machine 1 of the present embodiment can realize a storage place for a misplaced non-contact IC card with a small volume and an inexpensive mechanism, and can reduce the problem of misplaced non-contact IC card. As a result, there is an advantage that the risk of theft of a misplaced non-contact IC card or leakage of personal information can be significantly reduced by an inexpensive mechanism. In addition, there is an advantage that personnel cannot immediately rush to the automated teller machine 1 in order to collect the misplaced non-contact IC card. Further, the management center has an advantage that it is possible to perform operations such as searching for a non-contact IC card and verifying the identity.

[Other Embodiments]
Next, the present invention will be described with reference to some additional embodiments. The following embodiments will explain the differences from the described embodiments, and the description of common parts will be simplified or omitted. The following embodiments can be combined as appropriate.

[Second Embodiment]
The automated teller machine 1 according to the second embodiment of the present invention operates the card collection mechanism 200 under the control of the control unit 400 to store the non-contact IC card satisfying the misplacement condition in the card storage box 30. Before, the return information used for return is read from the non-contact IC card, and then the non-contact IC card is collected. This point is different from the automated teller machine 1 of the first embodiment.

The control unit 400 according to the second embodiment operates the card collection mechanism 200 to store return information used for return when storing a non-contact IC card satisfying the misplacement condition in the card storage box 30. It is configured to record in a predetermined storage area. That is, the card collection mechanism 200 according to this embodiment includes a storage device for storing return information in addition to the gate portion 20. The storage device may be appropriately used by any or a combination of, for example, a memory or storage provided in the automated teller machine 1 or a network storage (for example, a data server of a management center). In other words, the management system including the automated teller machine 1 returns information that can be accessed / may be accessed in the non-contact IC card, depending on the type and attributes of the non-contact IC card, the presence or absence of prior consent, and the like. Read as information.

Here, the return information includes information on personal identification of the non-contact IC card and information required for delivery of the non-contact IC card, which are stored in the non-contact IC card. For example, card number, personal name, contact information, etc. If the management center operator does not intervene, the password can also be used as return information.

This return information can be used by the management center for tasks such as searching for non-contact IC cards and verifying identity. In addition, it can be used for personal authentication by the automated teller machine 1 and remote identity verification by the management center during the return process by the automated teller machine 1.

FIG. 7 is an example of a flowchart for collecting a non-contact IC card forgotten at the time of service using the non-contact IC card by the automatic teller machine 1 according to the second embodiment of the present invention. The flowchart of the automated teller machine 1 according to the second embodiment shown in FIG. 7 is different from the first embodiment in that S106 of the flowchart shown in FIG. 4 is S106'.

The control unit 400 (FIG. 2) of the automatic teller machine 1 accepts the start of a transaction using a non-contact IC card, identifies the non-contact IC card placed at the card installation location, and determines the non-contact IC card reader / writer. Unit 100 is operated to execute predetermined processing of the transaction specified by the user (S101, S102).

After the predetermined processing is completed, the control unit 400 of the automatic teller machine 1 prompts the user to collect the non-contact IC card, and whether or not the non-contact IC card remains in the non-contact communication unit 10 (FIG. 1). Is detected (S103-S105).

Further, when the card is left in the control unit 400 of the automated teller machine 1, the control unit 400 determines that the user has left with the non-contact IC card left in place, and uses the non-contact IC card for the return information to be used for the return. The card collection mechanism 200 is operated to store the non-contact IC card in the card storage box 30 (S106').

The card collection mechanism 200 and the card storage books 30 according to the automatic teller machine 1 of the second embodiment can reduce the flat area of the storage place for the misplaced non-contact IC card, and use mechanical parts such as gears. Since it is not done, it can be realized with an inexpensive mechanism. Therefore, in the second embodiment, the problem of forgetting the non-contact IC card can be alleviated without increasing the size of the automated teller machine 1. Further, by effectively utilizing the communication function between the non-contact IC card and the non-contact communication unit 10, the management center can more easily search for the non-contact IC card, confirm the identity, and the like. In addition, there is an advantage that the personal authentication of the owner of the non-contact IC card left behind by the automatic teller machine 1 can be performed remotely.

[Third Embodiment]
The first and first automatic teller machines 1 according to the third embodiment of the present invention further include a non-contact IC card reader unit 500 for reading a non-contact IC card stored in the card storage box 30. It is different from the automated teller machine 1 of the second embodiment. In this case, the control unit 400 can use the non-contact IC card reader unit 500 to read the return information from the non-contact IC card in a state of being stored in the card storage box 30.

FIG. 8 is a functional block diagram showing the automated teller machine 1 according to the third embodiment. The automated teller machine 1 includes a non-contact IC card reader / writer unit 100, a card collection mechanism 200, a determination unit 300, a control unit 400, and a non-contact IC card reader unit 500. It is provided in the card storage box 30.

The non-contact IC card reader unit 500 includes a non-contact communication unit at a position where the non-contact IC card stored in the card storage box 30 can be read. With this configuration, the control unit 400 or the management center (system) of the automated teller machine 1 can access the non-contact IC card appropriately stored via the non-contact IC card reader unit 500. The non-contact IC card reader unit 500 may include a non-contact IC card writer unit.

The control unit 400 according to the third embodiment receives a non-contact IC via the non-contact IC card reader unit 500 in response to an access request for reading the stored non-contact IC card from the management center as needed. Respond to the information read from the card. The information to be accessed here is not particularly limited as long as it is information used for return related to the return business. For example, it can be used to read the balance of the electronic money card or the card number to identify the owner of the non-registered non-contact IC card. In addition, the return information described in the second embodiment can be read from the card storage box 30. As a result, it is possible to perform an operation of reading only the return information without reading all the information stored in the non-contact IC card.

FIG. 9 is a flowchart showing an operation of returning the forgotten non-contact IC card to the user by the automatic teller machine 1 according to the third embodiment. The flowchart of the automated teller machine 1 according to the third embodiment shown in FIG. 9 is different from the first embodiment in that S203 of the flowchart shown in FIG. 5 is S203'. If the identity verification is sufficiently performed in S203', the return routine can be changed as appropriate, such as eliminating the step (S205) for confirming whether the non-contact IC card belongs to the user. In addition, a return routine may be constructed so that both the second embodiment and the present embodiment are used in combination.

FIG. 9 will be described more specifically. Upon receiving a notification from the user (requester for return) that the non-contact IC card has been misplaced / may have been misplaced, the management center (operator) asks whether the non-contact IC card is stored in the card storage box 30. Please confirm by remote monitoring (S201, S202).

Next, when it is confirmed that the non-contact IC card is stored, the management center accesses the non-contact IC card, reads out the required information, hears from the person who wishes to return it, and authenticates the person with a password. After confirmation, a security company or the like is requested to take out the non-contact IC card from the relevant automated teller machine 1 (S203').

Upon receiving a request from the management center, the security company, etc. takes out the non-contact IC card from the relevant automated teller machine 1, confirms whether the removed non-contact IC card is owned by the user, and returns it to the user if it can be confirmed (S204). -S206).

The automated teller machine 1 according to the third embodiment can also obtain the same effect as the first. Further, the management center makes it easier to carry out operations such as searching for a non-contact IC card and verifying the identity. In addition, information that can be used for personal authentication of the owner of the non-contact IC card misplaced by the automatic teller machine 1 can be read from the non-contact IC card at the time of a return inquiry.

[Fourth Embodiment]
The first point of the automated teller machine 1 according to the fourth embodiment of the present invention is that the camera unit 50 provided in the automated teller machine 1 is used and that the required information used for return is read from the camera unit 50. This is different from the automated teller machine 1 of the third embodiment.

FIG. 10 is an explanatory diagram showing an external example of the automated teller machine 1 according to the fourth embodiment. In the external view illustrated in FIG. 10, the camera unit 50 is formed on the upper part of the advertising display. The camera unit 50 captures a front image or the like during operation by the user.

The control unit 400 of the present embodiment operates the card collection mechanism 200 to store a non-contact IC card satisfying the misplacement condition in the card storage box, and the camera unit 50 is used to capture a photograph of the user. As the required information to be used for returning the image or the face image or face feature extracted from the image of the user photographed by the camera unit 50, for example, a predetermined storage device provided in the card collection mechanism 200 is used. Record in storage area. As the image of the user, an image taken during use may be used, or an image taken when the user leaves the automated teller machine 1 may be used.

This image, facial image, and some or all of facial features are used in combination for identity verification / authentication from a remote location. For example, when the management center is contacted by the return applicant, the current image of the return applicant is acquired during the conversation with the return applicant, and the non-contact IC card is collected. It becomes possible to collate with the user's image at the time by confirming the face and profile by the operator. In addition, the automatic teller machine 1 or the management center system is equipped with a face recognition function, and the current image and the image of the user at the time of the transaction in which the non-contact IC card is collected during the conversation between the operator and the person who wishes to return the card are provided. Identity verification can be performed by collating with and collating the feature amount. In addition, if necessary, the camera unit 50 takes a picture of identity verification documents such as a driver's license possessed by the person who wishes to return the item, and the operator or system confirms that the user is the cardholder from the image information. You may. If the person who wishes to return cannot confirm his / her identity by the image, he / she will not return the non-contact IC card on the spot, but will return the non-contact IC card through, for example, a public institution or a non-contact IC card issuer. A business routine may be adopted.

According to the automated teller machine 1 of the fourth embodiment, it is possible to reduce the planar area of the storage location of the misplaced non-contact IC card and reduce the increase in size of the automated teller machine due to the problem of forgetting the non-contact IC card. Further, the management center makes it easier to carry out operations such as searching for a non-contact IC card and verifying the identity. In addition, information that can be used for personal confirmation of the owner of the non-contact IC card left behind by the automatic teller machine 1 can be read and used from the image from the camera unit 50.

[Fifth Embodiment]
The automated teller machine 1 according to the fifth embodiment of the present invention returns the non-contact IC card stored in the card storage box 30 to the person who wishes to return it without going through a security guard or a clerk. It is different from the automated teller machine 1 of the first to fourth embodiments.

FIG. 11 is an explanatory diagram showing an external example of the automated teller machine 1 according to the fifth embodiment. In the automated teller machine 1 of the present embodiment, a return port 60 is formed at the lower part of the card storage box 30 as shown in the external view illustrated in FIG.

FIG. 12 is a functional block diagram showing an automated teller machine 1 according to a fifth embodiment. The automated teller machine 1 includes a non-contact IC card reader / writer unit 100, a card collection mechanism 200, a determination unit 300, a control unit 400, a non-contact IC card reader unit 500, and a card return mechanism 600.

The card return mechanism 600 is formed so as to eject the non-contact IC card stored in the card storage box 30 to the outside of the device. The non-contact IC card discharged by the card return mechanism 600 may be configured to be ejected near the surface of the non-contact communication unit 10, or may be configured to be ejected below the card storage box 30. Since the card return mechanism 600 having such a configuration can be realized by the same configuration as a normal card return mechanism, for example, a magnetic card return mechanism, it will not be described in detail here.

With this configuration, the automated teller machine 1 (control unit 400) or the management center can return the non-contact IC card appropriately stored to the person who wishes to return it via the card return mechanism 600.

FIG. 13 is an example of a flowchart for returning the forgotten non-contact IC card according to the fifth embodiment to the user. The flowchart of the automated teller machine 1 according to the fifth embodiment shown in FIG. 13 is different from the other embodiments after S203'of the flowchart shown in FIG.

Upon receiving a notification from the user (requester for return) that the non-contact IC card has been misplaced / may have been misplaced, the management center (operator) asks whether the non-contact IC card is stored in the card storage box 30. Please confirm by remote monitoring (S201, S202).

Next, when it is confirmed that the non-contact IC card is stored, the management center accesses the non-contact IC card, reads out the required information, and hears from the person who wishes to return it, and the person himself / herself via the password and the image. After confirming the identity by authentication or the like, the automatic teller machine 1 is instructed to eject the non-contact IC card (S203'').

After that, it is identified that the non-contact IC card has been received by the person who wishes to return it, and if it can be confirmed, the return routine is terminated (S204'). This identification is performed in the same manner as in S103 to S106 shown in FIG. 4, and prompts the return applicant to collect the non-contact IC card on the transaction screen, electric display, speaker, etc., and identifies that the card has been received. Just do it.

In the automated teller machine 1 of the fifth embodiment, the management center can more easily carry out operations such as searching for a non-contact IC card and verifying the identity. In addition, the non-contact IC card can be returned without going through a security guard or a clerk.

[Sixth Embodiment]
The first to fifth embodiments of the automated teller machine 1 of the present embodiment are to return the non-contact IC card stored in the card storage box 30 to the return applicant without going through the operator of the management center. It is different from the automatic teller machine 1 of the form.

The control unit 400 calls various information recorded in the device, the management center (system), and the non-contact IC card itself when the return applicant performs an input operation that is a return request to the automatic teller machine 1. If necessary, personal authentication is performed using information newly read from the non-contact IC card, a camera image, or the like, and the card return mechanism 600 is operated when the personal authentication is passed.

FIG. 14 is a flowchart for returning the forgotten non-contact IC card according to the sixth embodiment to the user. In the flowchart of the automated teller machine 1 according to the sixth embodiment shown in FIG. 14, the step S201 of the flowchart shown in FIG. 13 is replaced with S201', and the step of S203'' is replaced with S203'''. ..

In response to an input operation from the user (person who wishes to return) that the non-contact IC card has been misplaced / may have been misplaced, the control unit 400 determines whether or not the non-contact IC card is stored in the card storage box 30. Confirm (S201 ' , S202).

Next, when the control unit 400 can confirm that the non-contact IC card is stored, the control unit 400 accesses the non-contact IC card, reads out the required information, and uses personal information, a password, and an image from the person who wishes to return the card. After the personal authentication is performed, the card return mechanism 600 is operated to eject the non-contact IC card when the person is identified as the person (S203''' ).

After that, it is identified that the non-contact IC card has been received by the person who wishes to return it, and if it can be confirmed, the return routine is terminated (S204').

The automated teller machine 1 of the sixth embodiment can return the non-contact IC card without going through a management center, a security guard, a clerk, or the like.

As described above, according to the present invention, it is possible to secure a storage place for the non-contact IC card without expanding the flat area, thereby reducing the problem of forgetting the non-contact IC card. Can be provided. In addition, as a method of returning the stored card, a method by remote control from the management center can be used in addition to the method by the security company. In addition, as another method of returning the stored card, the user himself / herself must enter the PIN code when the PIN code etc. is recorded on the card, or the user's face authentication can be performed via the management center. You can return the card without having to. That is, labor saving can be achieved in the work of returning the non-contact IC card to the main owner.

The control unit of the automated teller machine may be realized by using a combination of hardware and software of a computer system. This computer system includes a processor and memory tailored to the desired form. Further, in the form of this computer system, each part is realized by deploying a control program of an automatic teller machine in the above memory and operating hardware such as a processor with an execution instruction group or a code group based on this program. do it. At this time, if necessary, this program may realize each part in cooperation with the functions provided by the software such as the operating system, the microprogram, and the driver.

The present invention has been described by exemplifying embodiments. However, the specific configuration of the present invention is not limited to the above-described embodiment, and is included in the present invention even if there is a change within a range that does not deviate from the gist of the present invention. For example, changes such as separation and merging of block configurations of the above-described embodiments, replacement of procedures, and combinations of embodiments are self-free as long as the gist of the present invention and the functions described are satisfied, and the above description limits the present invention. It's not a thing.

1 Automatic trading device 10 Non-contact communication unit 20 Gate unit 30 Card storage box 40 Banknote handling unit 50 Camera unit 60 Return port 100 Non-contact IC card reader / writer 200 Card collection mechanism 300 Judgment unit 400 Control unit 500 Non-contact IC card Reader 600 card return mechanism

Claims (10)

A housing with an upright surface and
With the non-contact communication unit placed on the upright surface,
When a non-contact IC card is placed on the surface of the non-contact communication unit, a non-contact IC card reader / writer unit that reads / writes to the non-contact IC card and
A card storage box provided below the non-contact communication unit,
A card collection provided with a gate portion provided below the non-contact communication unit, and by opening the gate portion, a non-contact IC card placed on the surface of the non-contact communication unit is slid down into the card storage box. Mechanism and
A determination unit for determining whether or not a non-contact IC card is placed on the surface of the non-contact IC card reader / writer unit, and a determination unit.
When the misplacement condition is satisfied with reference to the determination result of the determination unit, the gate unit is opened and the non-contact IC card mounted on the surface of the non-contact communication unit is slid down into the card storage box. Control unit and
An automated teller machine. The card collection mechanism further includes a storage device, and the control unit stores the return information used for return when storing the non-contact IC card satisfying the misplacement condition in the card storage box. The automated teller machine according to claim 1, wherein the automatic teller machine records in a predetermined storage area of the device. The card storage box is provided with a non-contact IC card reader in the card storage box.
The automated teller machine according to claim 1 or 2, wherein the control unit uses the non-contact IC card reader unit to read return information from the non-contact IC card stored in the card storage box. .. The invention according to any one of claims 1 to 3, further comprising a card return mechanism for ejecting the non-contact IC card stored in the card storage box near the surface of the non-contact communication unit. Automatic teller machine. The automatic according to any one of claims 1 to 3 , further comprising a card return mechanism for ejecting a non-contact IC card stored in the card storage box below the card storage box. Trading equipment. The card storage box is configured to be capable of storing a plurality of non-contact IC cards.
The automated teller machine according to any one of claims 1 to 5, wherein the control unit records information relating to at least the number of stored sheets of the plurality of non-contact IC cards in a predetermined area. Including the camera unit that shoots the user
When the control unit operates the card collection mechanism to store a non-contact IC card satisfying the misplacement condition in the card storage box, the control unit may use the camera unit to capture an image of a user or an image of a user. , The face image or face feature extracted from the user's image taken by the camera unit is recorded in a predetermined storage area as at least personal identification information of the non-contact IC card to be used for return. The automated teller machine according to any one of claims 1 to 6, which is characterized. When returning a non-contact IC card stored in the card storage box to a person who wishes to return it at the location of the automated teller machine, the administrator of the automated teller machine at a remote location is contacted by the non-contact IC card stored in the card storage box. Present the information related to personal identification of the non-contact IC card read from the IC card or the information required for delivery, and present it.
The automated teller machine according to any one of claims 2 to 7, wherein a determination result of whether or not the return applicant is the owner of the non-contact IC card is received from the administrator. When returning the non-contact IC card stored in the card storage box to the person who wishes to return it at the location of the automated teller machine, the control unit reads from the non-contact IC card stored in the card storage box, and the non-contact IC card is read. Any of claims 2 to 8, wherein the information related to personal identification of the IC card or the information required for delivery is used for the process of determining whether or not the return applicant is the owner of the non-contact IC card. The automated teller machine described in item 1. A non-contact communication unit arranged on the upright surface of the housing, a non-contact IC card reader / writer unit for reading and writing a non-contact IC card placed on the surface of the non-contact communication unit, and the non-contact communication unit. By operating the card storage box provided below and the gate portion provided at least on the lower surface of the non-contact communication unit, the non-contact IC card placed on the upright surface of the non-contact communication unit can be stored in the card. It is a control method for an automated teller machine equipped with a card collection mechanism that slides down into a box and a processor.
The processor
Whether or not a non-contact IC card is placed on the surface of the non-contact IC card reader / writer portion is determined and processed.
The card collection mechanism is operated when the misplacement condition is satisfied with reference to the determination result so that the non-contact IC card mounted on the upright surface of the non-contact communication unit is slid down into the card storage box. A control method for an automated teller machine, characterized in that it is used.

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