JP5030678B2 - Recording medium processing apparatus - Google Patents

Description

  The present invention relates to a recording medium processing apparatus that accepts a recording medium such as a card and performs predetermined processing based on information recorded on the received recording medium, and in particular, illegally obtains magnetic data of a card in the recording medium processing apparatus or the like. The present invention relates to a recording medium processing apparatus having a defense method for preventing magnetic data from being illegally acquired even when a skimming apparatus is attached.

  Currently, a magnetic stripe is affixed to many cash cards. In this magnetic stripe, customer data is recorded as magnetic information. And crimes such as illegally acquiring this magnetic information to make a counterfeit card and withdrawing cash from the customer's account using this counterfeit card have occurred both in Japan and overseas. As an example of this fraud acquisition method, there is a method of attaching a device for reading magnetic information (hereinafter referred to as a skimming device) near a card insertion slot of an automatic teller machine (hereinafter referred to as ATM). This skimming device is made to match the appearance of the ATM so that there is no sense of incongruity even when attached to the ATM. For this reason, the customer does not notice that the skimming device is attached, and inserts his / her card into the card insertion slot. At this time, the card contacts the skimming device, and the magnetic information is illegally acquired.

  Several techniques have been disclosed as means for defending against a crime of illegally acquiring the magnetic information of a card by such a method.

For example, a recording medium reading device is disclosed in which it is easy to visually confirm that a skimming device is attached inside a card insertion slot (see Patent Document 1).
In addition, a magnetic card transaction apparatus that detects with a sensor that a skimming apparatus is attached to the card insertion slot is disclosed (see Patent Document 2).

In addition, a card processing device is disclosed in which the rotational speed of the card transport motor is nonuniform when a card is inserted so that magnetic information cannot be read by the skimming device (see Patent Document 3).
In addition, a magnetic card reading device is disclosed that applies a disturbing magnetic field to the skimming device so that the skimming device cannot read magnetic information (see Patent Document 4).
JP 2004-94482 A JP 2001-67525 A JP 2004-171205 A JP 2005-266999 A

In the recording medium reading device described in Patent Literature 1, if the operator does not notice that the skimming device is attached, there is a possibility that the magnetic information is illegally acquired.
Moreover, if the magnetic card transaction apparatus of patent document 2 attaches a photo sensor to a card insertion slot, it may malfunction by the influence of disturbance lights, such as sunlight.

  In addition, in the card processing device described in Patent Document 3, when an attempt is made to add a skimming prevention function to an existing card processing device, a function such as motor control must be added according to the type of the card processing device. There is a problem that costs. In addition, this card processing device will not be effective when the skimming device is mounted at a position away from the card insertion slot by a certain distance or more.

  The magnetic card reading device described in Patent Document 4 can be read by the skimming device if the influence of the magnetic head of the skimming device on the disturbing magnetic field is suppressed. Here, since the skimming technique is improved by improving the device and the general technique, it is necessary to take a countermeasure again for the card processing each time.

  It is an object of the present invention to provide a recording medium processing apparatus that does not require any particular attention when an operator inserts a recording medium, and that can effectively prevent illegal acquisition of data by skimming with a simple structure.

The present invention relates to a recording medium processing apparatus that accepts insertion of a recording medium and processes the inserted recording medium, an insertion port that accepts insertion of the recording medium, and a recording medium conveyance from the insertion opening to the inside of the apparatus A projection on which the recording medium inserted from the insertion port collides is provided in the recording medium conveyance path, and the projection is inserted with a steep slope from the bottom of the projection toward the apex. The recording medium processing apparatus has a mouth-side slope, and the inside of the apparatus has an inside slope with a gentle slope from the bottom of the projection toward the apex .

  According to the present invention, it is possible to prevent the skimming by changing the insertion speed of the recording medium by causing the recording medium inserted into the insertion port to collide with a protrusion provided inside the recording medium conveyance path. In other words, even if a skimming device is attached for the purpose of illegally acquiring magnetic information from the magnetic stripe or the like of the recording medium inserted into the insertion slot, the magnetic information cannot be read accurately due to a change in the insertion speed of the recording medium. It is possible to prevent illegal acquisition of data by skimming.

  An embodiment of the present invention will be described below with reference to the drawings.

  This embodiment relates to, for example, an automatic teller machine (hereinafter referred to as ATM) that is employed in a financial institution system such as a bank system.

  FIG. 1 is an external view of an ATM 1 according to the present embodiment, and FIG. 2 is an internal configuration diagram of the ATM 1. A schematic structure will be described with reference to the external view and the internal configuration diagram.

  The ATM 1 is an automatic transaction apparatus that is installed in a financial institution and performs transactions such as cash deposits and withdrawals by customer operations. This ATM1 automatically executes various transactions requested by the user. The ATM 1 includes an operation unit 3, a card / card / detail slip mechanism unit 4, a bankbook mechanism unit 5, a coin deposit / withdrawal mechanism unit 6, a banknote deposit / withdrawal mechanism unit 7, a card insertion slot 8, and a control unit 2 that controls these units. Etc.

  The control unit 2 includes a hardware configuration such as a CPU and a memory, and a software configuration such as a program and data, and controls various processes and transactions.

  The operation unit 3 has a screen display function and a key input detection function. The operation unit 3 is a part that mainly displays a guidance screen for transaction operation when a user of the ATM 1 performs a transaction, and accepts a user's operation such as a personal identification number and key input pressed by a finger. The operation unit 3 is preferably an input / display unit (also referred to as an input display unit) constituted by a touch panel or the like. The operation unit 3 displays various information on the display screen, and detects pressing of various items included in the display screen.

  The card / detail slip mechanism unit 4 includes a card mechanism 4a and a detail slip mechanism 4b. The card mechanism 4a has a user card insertion or ejection operation, a card magnetic stripe or IC chip read or write operation, a card embossed portion image reading function, and the like. Further, the statement slip mechanism 4b prints the transaction contents on the statement slip by the printing unit and discharges it from the apparatus.

The passbook mechanism unit 5 has a user passbook insertion / discharge operation, a magnetic stripe read / write operation, a printing function by a printing unit for the passbook, and the like.
The coin deposit / withdrawal mechanism unit 6 has a coin deposit / withdrawal function and a cash transport function, and continuously manages cash.

The banknote deposit / withdrawal mechanism unit 7 has a banknote deposit / withdrawal function and a cash transport function, and continuously manages cash.
The card insertion slot 8 is generally made of a material such as plastic or metal, and is formed in a shape that allows a user to insert a card.

  The customer detection sensor 11 is a sensor that detects whether a user is standing in front of the ATM 1. Based on the detection output of the customer detection sensor 11, the control unit 2 turns on the display of the operation unit 3 that is normally turned off, or opens the shutter (not shown) of the card insertion slot.

  The shutter includes a shutter opening sensor 10 that detects that the shutter is opened, a shutter drive unit 12 that operates the shutter, and a shutter closing sensor 14 that detects that the shutter is closed. And as above-mentioned, the process of each of these site | parts is controlled by the control part 2. FIG.

  Next, regarding the schematic configuration of the ATM / card / specification slip mechanism unit 4 and the card insertion slot 8 and the conveyance path 18 extending from the card insertion slot 8 to the card / specification slip mechanism unit 4 as one configuration of the main body and the module, This will be described with reference to FIG.

  FIG. 3 is a side sectional view of the card mechanism 4 a and the card insertion slot 8. A card reader 15 provided in the card mechanism 4a reads and writes magnetic data of the card 21 inserted by the operator.

  Here, the card 21 is a card such as a credit card or a cash card, and information is magnetically stored in the magnetic stripe. Information stored in the magnetic stripe is arranged in the insertion direction of the card 21. Therefore, the magnetic head for reading (not shown) and the magnetic stripe of the card 21 move at a relatively constant speed in the card insertion direction, so that the magnetic head sequentially stores information stored in the magnetic stripe. Can be read.

  The 1st roller 16 points out the roller nearest to an insertion slot among a plurality of rollers for conveying an inserted card. The ATM cabinet 17 refers to an ATM casing portion outside the card reader 15. The conveyance path 18 continues from the card insertion slot 8 to the card reader 15. A projection 19 made of plastic or the like is provided inside the transport path 18.

  The protrusions 19 are arranged in multiple stages in the upper and lower alternates or in the left and right alternates in the insertion direction of the transport path 18, and are provided one by one in the upper and lower directions in this embodiment. The protrusion 19 provided on the lower side of the conveyance path 18 is provided closer to the card insertion slot 8 than the protrusion 19 provided on the upper side of the conveyance path 18. The protrusion 19 is formed in an inclined shape that tapers from the bottom of the protrusion attached to the conveyance path 18 toward the tip of the protrusion. The slope 19a of the protrusion 19 on the card insertion port 8 side is formed to be steeper than the slope 19b of the protrusion 19 on the inside of the apparatus. Due to the steep slope 19 a, the protrusion 19 on the card insertion slot 8 side becomes a constant obstacle to the insertion of the card 21. Further, when the card 21 is ejected by the gentle slope 19b of the protrusion 19 inside the apparatus, it does not become an obstacle to the card conveyance.

  Further, the gap L1 from the tip of the protrusion 19 to the wall surface of the opposite conveying path 18 is narrower than the thickness L2 of the card 21, and in this embodiment, the gap L1 is 80% to 99% of the thickness L2. Has been.

  Further, the protrusion 19 is biased by a biasing means such as a spring (not shown). Therefore, when the card 21 is in a standby state waiting for insertion, the protrusion 19 protrudes as much as possible, and when the card 21 is inserted and the protrusion 19 is pushed by the card 21, the protrusion 19 decreases in protrusion amount. . Thus, when the card 21 is inserted, first, the tip on the insertion side of the card 21 collides with the protrusion 19 at the collision position indicated by the solid line in FIG. 3, and then the protrusion 19 retracts to the retraction position indicated by the dotted line in FIG. Thus, insertion of the card 21 into the back is allowed.

  A magnetic head for reading (not shown) is provided on the inner side of the device of the card mechanism 4a than the protrusion 19 on the innermost side of the device. Thus, the projection 19 is configured not to be affected when data is read from the magnetic stripe 22 of the card 21 by the magnetic head. The magnetic head is provided on the inner side of the apparatus with respect to the first roller 16. Thus, the relative moving speed of the magnetic head and the card 21 is stabilized at a constant speed by the conveying force of the first roller 16.

The skimming head 120 refers to one that is illegally attached to the outside of the ATM 1 for the purpose of illegally acquiring the magnetic data of the card.
Here, a configuration for preventing the magnetic data of the card 21 from being illegally acquired by the skimming head 120 according to the present embodiment will be described.
For example, it is assumed that the skimming head 120 is attached to the card insertion slot 8 of ATM 1 for the purpose of illegally acquiring the magnetic data of the card 21. When the operator inserts the card 21 into the card insertion slot 8, the magnetic stripe 22 of the card 21 comes into contact with the skimming head 120. For this reason, unless any countermeasure is taken, the magnetic data of the front part of the magnetic stripe 22 (the front part on the insertion side) is illegally acquired.

  However, if the card 21 is continuously inserted, the card 21 collides with the conveyance path inner protrusion 19 and the card insertion speed changes. For this reason, the magnetic data detected by the skimming head 120 is disturbed, and the magnetic information on the card cannot be restored at that time.

  Further, when the protrusion 19 in the first transport path moves downward due to the force in the insertion direction of the card 21 by the operator and the obstacle disappears, the insertion speed of the card 21 changes again and becomes faster. Also at this time, the magnetic data detected by the skimming head 120 is disturbed, and the magnetic information on the card cannot be restored at that time.

  Similarly, a change in insertion speed occurs in the protrusions 19 in the second and subsequent transport paths, and the magnetic data is disturbed, making it impossible to restore information illegally from the magnetic data detected by the skimming head 120.

FIG. 4 shows an example of a flow in which a user performs a card transaction at ATM 1 equipped with a skimming protection method.
First, ATM1 is in a standby state in the normal state (step S600). When the user stands in front of ATM1 (step S601), the customer detection sensor 11 detects that the customer is standing in front of ATM1 (step S602).

  The user inserts the card 21 into the card insertion slot 8 in order to make a transaction at ATM1, and ATM1 accepts this insertion (step S603). The inserted card 21 collides with the protrusion 19 installed inside the transport path 18 (step S604). When the card 21 collides with the protrusion 19, the card insertion speed becomes slow (step S 605), and the card insertion speed cannot be kept constant. For example, even if the skimming head 120 is provided at the card insertion slot, the skimming head 120 Is disturbed (step S606).

  When the user inserts the card 21 further into the back, the card 21 collides with the second protrusion 19 inside the conveyance path (step S607), and the insertion speed is again reduced (step S608). A second disturbance occurs in the flowing current (step S609).

In this way, when the user inserts the card 21, after the current disturbance of the skimming head 120 occurs twice, when the card 21 reaches the first roller 16 of the card reader 15, the tip of the card 21 is brought into contact with the protrusion 19. There is no collision. Therefore, after that, even if the magnetic information is read by the magnetic head in the apparatus, the magnetic information can be read normally. Accordingly, the card is normally drawn into ATM1 at a constant speed (step S610), and the normal ATM1 transaction is followed (step S611).
With the above configuration and operation, the card 21 inserted into the card insertion slot 8 can collide with the protrusion 19 provided inside the transport path 18 to change the insertion speed of the card 21 and prevent skimming. That is, even if the skimming head 120 is attached for the purpose of illegally acquiring magnetic information from the magnetic stripe 22 of the card 21 inserted in the card insertion slot 8, the magnetic information is read accurately due to the change in the insertion speed of the card 21. It is possible to prevent unauthorized acquisition of data by skimming.

The operator can prevent skimming without particularly paying attention when inserting the card 21.
Further, for example, even if the customer inserts the card 21 into the card insertion slot 8 without the customer having noticed the skimming head 120 attached to the ATM 1 in advance, the card insertion speed is changed by the protrusion 19 inside the conveyance path described above, It is very difficult to restore magnetic information with a skimming device.

  Further, illegal acquisition of data by skimming can be effectively prevented with a simple structure in which the protrusions 19 are attached. For this reason, when the skimming prevention function of the present invention is added to the existing card / detail slip mechanism unit 4 or the like, it can be easily added only by attaching the protrusion 19. In particular, since there is no need to change the drive system or control system circuit, design and operation verification at the time of function expansion can be facilitated.

  FIG. 5 is a side sectional view of the card mechanism 4a and the card insertion slot 8 according to the second embodiment. In the second embodiment, the protrusions 19 inside the conveyance path are vertically opposed to each other and fixed so as not to be displaced. The protrusions 19 are made of an elastic material such as rubber, and the distance L3 between the protrusions 19 in the upper and lower transport paths is adjusted to about 80 to 99% of the card thickness. Thus, by making the distance L3 between the protrusions 19 smaller than the thickness of the card 21, the protrusion 19 becomes an obstacle when the card is inserted, and the card insertion speed is changed. Due to this change in the card insertion speed, the magnetic data is disturbed, making it difficult to restore the magnetic data information. As in the first embodiment, the protrusions 19 arranged above and below have a steep slope on the card insertion slot 8 side and a gentle slope on the opposite side.

Since the other configuration is the same as that of the first embodiment, the same components are denoted by the same reference numerals and detailed description thereof is omitted.
Thus, even when the protrusion 19 is fixed, the same effect as that of the first embodiment can be obtained.

  FIG. 6 is a side sectional view of the card mechanism 4a and the card insertion slot 8 according to the third embodiment, and FIG. 7 is a perspective view of the card mechanism 4a and the card insertion slot 8 according to the third embodiment. In the third embodiment, the protrusion 19 inside the conveyance path is lowered like a goodwill from the upper part of the conveyance path 18. The protrusion 19 is made of an elastic material such as rubber, and is configured such that when the card is inserted, the funnel-shaped protrusion is pushed and bent. Further, the protrusion 19 is disposed in the transport path 18 so as to hit the embossed portion 25 (the portion with the unevenness) of the card 21 inserted from the card insertion slot 8. Thereby, when the card 21 is inserted, the insertion speed is changed by the resistance force when the protrusion 19 bends and the resistance force that the protrusion 19 hits the embossed portion 25 of the card. For this reason, magnetic data is disturbed and it becomes difficult to restore magnetic data information.

Since the other configuration is the same as that of the first embodiment, the same components are denoted by the same reference numerals and detailed description thereof is omitted.
As described above, even when the protrusion 19 is made of an elastic material such as rubber, the same effect as in the first embodiment can be obtained.

  Note that the protrusions 19 are not limited to being provided inside the ATM 1 as in the first to third embodiments, and for example, the protrusions 19 may be provided outside the ATM housing. Also in this case, illegal acquisition of data by the skimming head 120 can be prevented by the card 21 inserted from the card insertion slot 8 colliding with the protrusion 19.

  In the present embodiment, the ATM 1 is taken as an example and the description has been made using the card 21 in which data is recorded in the magnetic stripe 22 as a recording medium. However, the present invention is not limited to this embodiment. For example, the present invention can be applied to a case where information recorded on a recording medium is illegally skimmed when the reading device reads a recording medium other than a card. Furthermore, although the present embodiment has been described with a configuration in which a plurality of protrusions are installed, a configuration in which a plurality of protrusions are installed may be used, and any configuration that changes the insertion speed when a card is inserted belongs to the present invention.

  The present invention is not limited only to the configuration of the above-described embodiment, and many embodiments can be obtained.

FIG. The internal block diagram of ATM. Side surface sectional drawing of a card mechanism and a card insertion slot. The flowchart of the card transaction by a user. Side surface sectional drawing of the card mechanism of Example 2, and a card insertion slot. Side surface sectional drawing of the card mechanism of Example 3, and a card insertion slot. The perspective view of the card mechanism of Example 3 and a card insertion slot.

Explanation of symbols

4a ... Card mechanism, 8 ... Card insertion slot, 18 ... Transport path, 19 ... Projection, 19a ... Slope, 19b ... Slope, 21 ... Card, 25 ... Embossed part, L1 ... Gap, L2 ... Thickness, L3 ... Interval

Claims (7)

A recording medium processing apparatus that accepts insertion of a recording medium and processes the inserted recording medium,
An insertion slot for receiving insertion of the recording medium;
A recording medium conveyance path from the insertion port to the inside of the apparatus,
Provided inside the recording medium conveyance path is a protrusion that collides with the recording medium inserted from the insertion port ,
The protrusion has a steep slope on the insertion opening side from the bottom of the protrusion toward the apex, and an inner slope on the inside of the apparatus that has a gentle slope from the bottom of the protrusion toward the apex. Recording medium processing apparatus. The recording medium processing apparatus according to claim 1, wherein the recording medium is a credit card or a cash card. The projections are each a recording medium processing device facing claims 1 or 2, wherein the upper and lower or left and right of the inside of the conveying path. 3. The recording medium processing apparatus according to claim 1, wherein the protrusions are arranged alternately in the vertical direction or in the horizontal direction in the insertion direction of the recording medium in the conveyance path. The protrusion, the recording medium processing device according to claim 1 from the collision position impinging on the inserted recording medium is configured to be movable to a retracted position for inserting permit the recording medium in any one of the four. The protrusion is formed of an elastic material, projecting from claim 1, the gap of the transport path portion is disposed so as to be 80% to 99% of the thickness of the recording medium the presence of force to any one of 4 The recording medium processing apparatus described. The protrusion, the recording medium processing apparatus according to any one of claims 1 disposed at a position in contact with the embossed portion of the recording medium 6.

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