JPH035627B2 - - Google Patents

Description

DETAILED DESCRIPTION OF THE INVENTION The present invention relates to an automated teller machine, and more particularly to an automated teller machine with a separate customer operation section.

Cash dispenser machines are already known in which the customer operation section and the cash dispensing section are separated. In the customer operation section of this automatic teller machine, a password recorded magnetically on the card is checked against a password input by the customer using keys, and the customer inputs the amount to be billed using keys. Further, in the cash payment section, cash is disbursed in the amount inputted at the customer operation section. To dispense cash, the customer inserts the card into the card slot in the payment section. The payment section reads the data on this card and checks whether it matches the data on the card that has already been inserted into the operation section and whose number is stored, and if the card has the same data, it releases the billed amount in cash. . For this reason, if a customer does not proceed to the payment department immediately after completing an operation in the customer operation department, and for some reason loses the card or has the card stolen without processing the payment, the card may be stolen. There was a problem with fraudulent withdrawals using the .

This invention has been made in view of the above-mentioned circumstances, and is capable of preventing fraudulent withdrawals due to card loss or card theft in an automatic cash machine with a separate customer operation section. The purpose is to provide

Embodiments of the present invention will be described in detail below with reference to the drawings.

FIG. 1 shows the appearance of a customer operation section of an automatic teller machine. On the customer service side of the customer operation section 20, there is a card insertion slot 21 for inserting a card magnetically recorded with a PIN number, account number, etc., an operation procedure display 22 that sequentially displays operations to be performed by the customer, and a PIN number. , the numeric keypad for entering the billing amount,
Keyboard 2 including keys for inputting confirmation, cancellation, etc.
3 is provided.

FIG. 2 shows the appearance of the cash dispensing section of the automatic teller machine. The customer service side of the cash payment section 30 is provided with a card insertion slot 31, a processing status display 32, and a cash and slip discharge port 33. The processing status indicator 32 consists of green and red indicator lights, with the green indicator light indicating that cash is being counted, and the red indicator light indicating that payment processing is not possible.

FIG. 3 shows an overview of the internal configuration of the customer operation section 20. The customer operation section 20 has a card insertion slot 2.
1, a magnetic card reader 24 that reads data magnetically recorded on the card and writes the billing amount and operation time on the card as described later, the above-mentioned keyboard 23 and operation procedure display 22, and a timer. It consists of a device 25 and a main controller 26 that controls the overall operation. The main controller 26 includes a central processing unit (CPU) and
It is equipped with a memory that stores CPU programs and transaction processing data. A microprocessor is suitable as the CPU.

FIG. 4 shows an overview of the internal configuration of the cash payment section 30. The cash payment section 30 has a card insertion slot 3
a magnetic card reader 34 disposed inside 1;
It is composed of a slip issuing machine 35, an imprinter 36 for journal imprinting, a paper waste discharging machine 37 that counts and carries out paper waste to be paid, a timing device 38, and a main controller 39. Main control device 3
9 also has a CPU and memory. The cash payment section 30 has a line control device 40 and a modulation device 4.
1 communicates with the control center.

FIG. 5 shows a card used in an automatic teller machine. The card 45 is provided with a magnetic stripe 46, and the magnetic stripe 46 includes a bank number, the customer's account number, a PIN number,
Data such as validation codes are magnetically recorded.
Further, the magnetic stripe 46 is provided with a storage area for the amount to be paid and the operation time.

FIG. 6 shows the steps of the customer's operations on the customer operation section 20 and the processing of the operation section 20. When the customer inserts the card into the card insertion slot 21 (step 1), the card reader 24 reads the data recorded on the magnetic stripe of the card. Then, it is checked whether the card is valid or not based on the bank number and validity code in this card data (step 2). If the card is fraudulent or invalid, the card is returned (step 8) and the process is completed.

If the card is valid, the operation procedure display 22 will show
A message will appear asking you to enter your PIN. The customer sees this display and enters the PIN number using the keyboard 23 (step 3), so the keyed-in PIN number is compared with the PIN read from the card to see if they match. Check (Step 4). If the two passwords do not match, the card is returned (step 8) and the process ends.
The customer can then start the operation by inserting the card again. Alternatively, the user may be required to enter the password again without returning the card.

If the passwords match, a message to input the amount to be paid is displayed on the operating procedure display 22, and the customer sees this display and inputs the amount to be paid using the keyboard 23 (step 5).
Then, it is checked whether the entered amount is within the maximum amount to be paid in one transaction (Step 6), and if it exceeds the maximum amount, the card is returned and processed (Step 8). finish. If the requested payment amount exceeds the limit amount, a message to that effect may be displayed and the user may be prompted to input the requested payment amount again using the keypad.

If the requested payment amount is within the limit amount, the date and time of that day are read from the clock device 25, and the inputted payment amount and the read date and time (operation time) are read out from the clock device 25. Write the magnetic stripe on the card by card reader 24 (step 7) and return the card (step 8).
Finish processing.

Thereafter, the customer heads to the cash payment section 30 with the returned card. The procedure of the customer's operation on the cash payment unit 30 and the processing of the payment unit 30 is the seventh
As shown in the figure. When the customer inserts a card into the card insertion slot 31 (step 9), the card reader 34 reads the data recorded on the card. Then, it is checked whether there is data on the amount to be paid in the card data. If there is no data on the amount to be paid, this means that the card has not been processed by the customer operation section 20, so the card is returned (step 19) and the processing is completed.

If there is data on the amount to be paid in the card data, then the date and time of that day are read from the clock device 38 and compared with the operation time in the card data (step 11). If the current time has exceeded the operation time by a certain amount of time, proceed to step 18 without processing the cash payment, and transfer the billing amount and operation time recorded on the card to the card reader. 34, the card is returned (step 19), and the process is completed. This certain period of time is preferably a short period of about 30 minutes to 1 hour, and preferably does not exceed one day.

If the elapsed time from the operation time to the current time is within the above fixed time, transaction data such as the account number and payment request amount in the card data is transmitted to the center and communication is performed with the center (step 13). . The center has a customer-specific information file in which necessary data such as account numbers and balances for each customer is stored. Upon receiving transaction data from the cash payment section 30, the center searches this customer-specific information file, finds the storage area of the corresponding account number, and compares the balance stored there with the amount to be paid. If the balance is greater than the requested payment amount, payment is possible and the payment department 3 sends a message to the effect that payment is permitted.
0 and update the balance of the corresponding account number in the customer information file. If the requested payment amount exceeds the balance or if the corresponding account does not exist, a payment refusal message is sent to the payment unit 30. In the payment department 30, if there is a center refusal,
The red indicator light in the display 32 is turned on to notify the customer that payment is not possible, and the card is returned to complete the process.

When the payment authorization message is sent from the center, the payment unit 30 imprints the card emboss on a copy journal using the imprinter 36 (step 14), and creates a slip with the transaction data printed (step 15). ), count the banknotes for the amount to be paid (step 16), and send the banknotes together with the slip to the outlet 3.
3 (step 17). Then, the payment amount and operation time recorded on the card are erased (step 18), and the card is returned (step 18).
19), Finish processing.

In the above example, only a card is used for the payment transaction, but it goes without saying that the present invention can also be applied to transactions using both a bankbook and a card. For transactions using a passbook, at least the cash payment unit 30 is provided with a passbook reader that reads data on a magnetic stripe affixed to the cover of the passbook, and a bookkeeping machine that prints transaction data on the passbook.

Further, in the above example, one customer operation section and one cash payment section are provided, but a plurality of customer operation sections and a plurality of cash payment sections may be provided.
In general, most of the processing in the cash payment department is automatic, so the processing time is constant, whereas in the customer operation department, many operations are performed by the customer, and the processing time varies depending on the customer's level of familiarity. Since there are advantages and disadvantages, it is preferable to increase the number of customer operation sections.

Furthermore, the timekeeping device may be used for both the customer operation section and the cash payment section. Additionally, in the above example, the customer operation section records the operation time and the requested payment amount on the card, and the cash payment section determines whether or not payment is possible based on whether or not the requested payment amount is recorded on the card. . Instead of recording the billed amount on the card, the account number and billed amount are stored in the shared memory of the customer operation section and the cash disbursement section.
By referring to the contents of this memory in the processing of the cash payment section, it is possible to determine whether or not payment is possible and to obtain the billed amount.

As explained in detail above, this invention separates the first half of the process in which a card is used to perform at least the process for identity verification, and the second half of the process in which the same card is used and cash is released for the input billed amount. A cash dispenser that automatically disburses cash in a specified format, a card reading/writing means for reading and erasing data recorded on the card, a cash dispensing means for dispensing a commanded amount of cash, and It is equipped with a timekeeping means. Then, in the first half process, the operation time when the first half process was performed is recorded on the card. The operation time recorded on the card is read by the card reading/writing means in the latter half of the process, and the read operation time and the current time indicated by the timekeeping means are compared, and only if the difference is within a certain amount of time, cash will be given. The discharge means is driven to discharge cash equivalent to the billed amount, and the reading/writing means erases the operation time from the card.

Further, if the difference between the operation time and the current time is outside the predetermined time, the cash dispensing means is not driven and no cash is dispensed. In this case as well, the operation time is erased from the card by the reading/writing means.

If more than a certain amount of time has elapsed between the first half of the process and the second half of the process, it is assumed that some abnormality has occurred and the cash payment will not be made, thus preventing fraudulent withdrawals due to card loss, theft, etc. can do. Further, since the operation time of the card is erased, the card returns to the state before the first half processing was performed.

[Brief explanation of the drawing]

Figure 1 is a perspective view showing the appearance of the customer operation section;
Figure 3 is a perspective view showing the external appearance of the cash payment section, Figure 3 is a block diagram showing the internal configuration of the customer operation unit, Figure 4 is a block diagram showing the internal configuration of the cash payment unit, and Figure 5 is a diagram showing the card. , FIG. 6 is a flow chart showing the processing procedure of the customer operation section, and FIG. 7 is a flow chart showing the processing procedure of the cash payment section. 20... Customer operation department, 24, 34... Magnetic card reader, 23... Keyboard, 25, 38...
...Clocking device, 30...Cash payment section, 37...Banknote dispensing machine.

Claims (1)

[Scope of Claims] 1. The first half of the process, in which a card is used to perform at least a process for identity verification, and the second half, in which the same card is used, and the input billed amount is released in cash, are separated. In an automatic teller machine that automatically disburses cash, a card reading/writing means for reading and erasing data recorded on the card, a cash discharging means for discharging a commanded amount of cash, a timing means, the first half of the above. Compare the operation time recorded on the card in the process and read by the card reading/writing means when the first half of the process was performed with the current time indicated by the timekeeping means, and determine if the difference is within a certain period of time. a first control means for driving the cash dispensing means and controlling the reading/writing means to erase the operation time from the card only when the difference between the operation time and the current time is a certain time; second control means for controlling the reading/writing means to erase the operation time from the card without driving the cash dispensing means when the cash dispensing means is not operated.