JP6130259B2 - Automatic cash transaction equipment - Google Patents

Description

  The present invention relates to an automatic cash transaction apparatus.

  In recent years, with the spread of automatic cash transaction apparatuses, automatic cash transaction apparatuses that have been installed only in financial institutions such as banks have been installed in convenience stores and the like (for example, Patent Document 1). In addition, automatic cash transaction equipment itself has been developed and developed with universal design in mind, and operability has improved, so there has been an increase in the use of elderly people and people with physical disabilities who previously tended to avoid using cash automatic transaction equipment. ing.

JP2008-3874

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

  In recent years, since a sophisticated skimming machine is attached to an automatic teller machine, there is a problem that the user does not notice that the skimming machine is attached to the automatic teller machine. In particular, if the automatic teller machine you are trying to use is an automatic teller machine that you are not familiar with, or if you do not use the automatic teller machine normally, the skimming machine is There was a problem that it was difficult for the user to notice that the transaction apparatus was attached. In addition, there is a problem that a skimming machine with a built-in camera causes damage to be read about the password as well as the magnetic information of the card.

  In patent document 1, it has a camera which image | photographs the vicinity of the operation part of an automatic teller machine, or its periphery, and detects whether foreign objects, such as a skimming machine, were attached to the automatic teller machine based on the difference of a picked-up image. .

  However, in patent document 1, it is the structure which is the position where the place which installs a camera protrudes from the automatic teller machine main body. For this reason, since the components for installing a camera are needed, there existed a subject that cost was high. Moreover, in the automatic teller machine of patent document 1, there existed a subject that the intensity | strength of a camera installation panel became weak.

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

(1) According to one aspect of the present invention, an automatic cash transaction apparatus is provided. This automatic cash transaction apparatus includes: a sensor that detects that a user is within a predetermined range; a medium entry / exit for receiving and discharging a medium used for performing an automatic cash transaction; and an image near the medium entry / exit A display unit for displaying a message and an image; a control unit for controlling the automatic teller machine, and the control unit detects the user when the sensor is used. A first image near the medium entrance / exit is displayed on the display unit, and a confirmation screen is displayed on the display unit to confirm whether there is a difference between the medium entrance / exit and the medium entrance / exit in the first image. To do.

  ADVANTAGE OF THE INVENTION According to this invention, a user can be made to know what kind of shape the medium deposit / withdrawal port vicinity of an automatic teller machine is originally. For this reason, the user can confirm whether the skimming machine is installed. Moreover, since the equipment provided in the conventional automatic transaction apparatus is sufficient and no new parts are required, it can be manufactured at low cost.

The figure which shows the internal structure of the automatic teller machine 101 in embodiment of this invention. The front view of the automatic teller machine 101. FIG. The figure which shows the relationship between the control part 106 and each part of the automatic teller machine 101. FIG. The flowchart which shows the flow of the 1st skimming prevention process in this embodiment. The figure which shows the example of the image W10. The flowchart which shows the flow of the 2nd skimming prevention process in this embodiment. The figure which shows the example of the image which the camera 113 acquired. 9 is a flowchart showing a flow of third skimming prevention processing in the present embodiment. The flowchart which shows the flow of the 4th skimming prevention process in this embodiment. The flowchart which shows the flow of the 5th skimming prevention process in this embodiment. The figure which shows the example of the image W10. The figure which shows the example of the image W10 containing the partial image D30. The figure which shows the example of the image W10 containing the partial image D40. The figure which shows the example of the image W10 containing the partial image D50.

A: Overall configuration:
A-1. Device configuration:
FIG. 1 is a diagram illustrating an internal configuration of an automatic teller machine 101 according to an embodiment of the present invention. The automatic cash transaction apparatus 101 includes a card processing unit 102, a control unit 106, a camera 113, a customer operation screen unit 105, a cash processing unit 103, and a customer detection sensor 107.

  FIG. 2 is a front view of the automatic teller machine 101. In the present embodiment, the camera 113, the customer operation screen unit 105, the card entry / exit 104, the deposit / withdrawal port 111, and the customer detection sensor 107 are arranged along the central axis of the automatic teller machine 101.

  The card processing unit 102 in FIG. 1 includes a card entrance / exit 104, a card transport path 109, and a card information reading unit 120. The card entry / exit 104 is a part that receives a card from the user and returns the card to the user. The card inserted into the card entrance / exit 104 is inserted into the card information reading unit 120 via the card transport path 109. In the present embodiment, a card used as a medium used for performing an automatic cash transaction may be a passbook. Further, although the card slot 104 serves as the card receiving port and the card discharging port, they may be provided separately.

  The card information reading unit 120 reads information from a magnetic card and an IC card in which user information necessary for automatic transactions and ID information of a staff member are recorded, writes information on the card, and acquires an image on the card surface. It has a function. The card whose magnetic information has been read by the card information reading unit 120 is discharged to the card entry / exit 104 via the card transport path 109 after the transaction ends.

  The cash processing unit 103 includes a cash transport path 110, a deposit / withdrawal port 111, a cash storage cassette 108, and a cash information reading unit 130. The deposit / withdrawal port 111 is a part that receives cash from the user and returns cash to the user. Cash inserted into the deposit / withdrawal port 111 passes through the cash information reading unit 130 via the cash transport path 110.

  The cash information reading unit 130 has a determination function for determining the denomination of cash and a determination function for determining the authenticity of cash. “Denomination” refers to the type of cash determined according to the face value. The cash that is determined by the cash information reading unit 130 as having a denomination and is not a camouflaged cash is stored in the cash storage cassette 108 via the cash transport path 110. Other cash is returned to the deposit / withdrawal port 111 via the cash transport path 110.

  The cash storage cassette 108 is a part that stores cash handled by the cash processing unit 103 for each denomination. The cash storage cassette 108 is connected to the cash transport path 110 so that banknotes can be sent to the cash transport path 110 and banknotes can be received from the cash storage cassette 108.

  The camera 113 is an image generation unit that captures a photographic image of a user or the like. In the present embodiment, a CCD camera is used as the camera 113. The camera 113 is also referred to as an imaging unit, and may be a unit that captures an image other than the CCD camera.

  The customer operation screen unit 105 is a user interface having a function as a display unit that displays a message or an image on a liquid crystal display and a function as an input unit that receives information from a user or the like on a touch panel. In the present embodiment, the customer operation screen unit 105 has functions as a display unit and an input unit, but a display unit and an input unit may be provided separately.

  FIG. 3 is a diagram showing the relationship between the control unit 106 and each part of the automatic teller machine 101. The control unit 106 is connected to each unit of the automatic teller machine 101 and controls the entire automatic teller machine 101.

  The control unit 106 includes a CPU 212 and a storage unit 210. Various processes and transactions are performed by the CPU reading and executing the stored program. The storage unit 210 stores programs and data. The control unit 106 is connected to the host computer HC via the Internet NW. For this reason, the banknote handling apparatus 100 and the host computer HC can mutually transmit and receive data.

  The customer detection sensor 107 in FIG. 1 is a detection means that detects that the user of the automatic teller machine 101 has approached. The customer detection sensor 107 has a function of detecting the distance between the automatic teller machine 101 and the user. In the present embodiment, the customer detection sensor 107 uses an infrared sensor.

A-2. First skimming prevention process:
FIG. 4 is a flowchart showing the flow of the first skimming prevention process in the present embodiment. The skimming prevention process is executed by the control unit 106 controlling each unit of the automatic teller machine 101.

  In step S300, the control unit 106 waits until the customer detection sensor 107 detects that the user has approached (step S300: No). When the customer detection sensor 107 detects that the user has approached (step S300: Yes), the control unit 106 displays an image W10 for preventing skimming damage on the customer operation screen unit 105 (step S330).

  FIG. 5 is a diagram illustrating an example of the image W10. The image W10 includes a partial image D20 and a confirmation button B30. The partial image D20 is an image showing the periphery of the card entrance / exit 104. The data of the partial image D20 is stored in the storage unit 210. The partial image D20 displayed in step S330 is also referred to as “first image”. The image W10 is a confirmation screen for confirming whether there is a difference between the card entry / exit 104 and the card entry / exit 104 in the first image.

  Until the confirmation button B30 is pressed by the user (step S360: No), the control unit 106 stands by with the image W10 displayed on the customer operation screen unit 105.

  When the confirmation button B30 is pressed by the user (step S360: Yes), this process ends. In addition, after the skimming prevention process is completed, the control unit 106 starts a transaction desired by the user. By doing in this way, even when a user does not know the state where the skimming machine is not attached to the automatic teller machine 101 in advance, the user can confirm the presence or absence of the skimming machine.

A-3. Second skimming prevention process:
FIG. 6 is a flowchart showing the flow of the second skimming prevention process in the present embodiment. The second skimming prevention process is the same except for the process from after step S300 of the first skimming prevention process to before step S360. In the following, processing from step S300 to step S360 will be described.

  When it is detected by the customer detection sensor 107 that the user has approached (step S300: Yes), the control unit 106 performs a distance measurement process (step S305). The distance measurement process refers to a process of measuring the distance L between the user and the automated teller machine 101 by the customer detection sensor 107. The control unit 106 stores the distance L measured by the customer detection sensor 107 in the storage unit 210.

  In step S315, the control unit 106 calculates the position of the user's eyes. Specifically, the control unit 106 calculates the position of the user's eyes based on the image acquired from the camera 113 and the distance L acquired in step S305. The user's eye position is calculated by recognizing the positions of the left and right eyes after face recognition, and calculating the midpoint of the line segment with both eyes as both ends as the position of the user's eyes.

  FIG. 7 is a diagram illustrating an example of an image acquired by the camera 113. A square S is an area recognized as a face by the control unit 106. The midpoint E is a point indicating the midpoint of the line segment with both eyes of the user as both ends. In the present embodiment, the midpoint E is set as the position of the user's eyes.

  The reference point Z is the rightmost and lowermost point in the image acquired by the camera 113. FIG. 7 shows that the distance in the horizontal direction between the reference point Z and the middle point E in the image is the distance M, and the distance in the vertical direction between the reference point Z and the middle point E is the distance T.

  In step S315 of FIG. 6, the control unit 106 calculates the position of the user's eyes from the distance L, the distance M, and the distance T with reference to the user position table stored in the storage unit 210. The user's eyes are located at the point where a straight line passing through the center point and the middle point E of the camera 113 intersects with a plane that is a distance L from the customer detection sensor 107 and faces the automatic teller machine 101. is there. The user position table is a table in which the position of the user's eyes is uniquely determined according to the distance L, the distance M, and the distance T.

  In step S325, based on the calculated user's eye position, the control unit 106 displays a partial image D20 that is an image near the card entrance / exit 104 when the card entrance / exit 104 is visually recognized from the eye position. Extracted from the storage unit 210. The storage unit 210 stores an image corresponding to the position of the user's eyes. Specifically, the storage unit 210 stores images prepared for each section of the user position table determined according to the distance L, the distance M, and the distance T.

  In step S335, the control unit 106 displays the image W10 including the partial image D20 on the customer operation screen unit 105. By doing in this way, the image in the viewpoint similar to a user's viewpoint is displayed on a display part. For this reason, the user can confirm more accurately whether or not a skimming machine is attached to the card slot 104. Moreover, if it does in this way, a skimming prevention process can be performed only using the hardware device conventionally used for the automatic teller machine 101. FIG.

A-4. Third skimming prevention process:
FIG. 8 is a flowchart showing the flow of the third skimming prevention process in the present embodiment. The third skimming prevention process is different from the second skimming prevention process in that the process returns to step S305 when the confirmation button is not pressed in step S360 (S360: No), but is otherwise the same. is there.

  By doing so, calculation of the position of the user's eyes is performed as needed. Therefore, an image at the same viewpoint as the user's viewpoint is displayed on the customer operation screen unit 105 in accordance with the movement of the user's eye position. For this reason, the user can confirm more accurately whether or not a skimming machine is attached to the card slot 104.

A-5. Fourth skimming prevention process:
FIG. 9 is a flowchart showing the flow of the fourth skimming prevention process in the present embodiment. The fourth skimming prevention process is different from the first skimming prevention process in that the processes in steps S370 and S380 are executed when the confirmation button is pressed in step S360 (S360: Yes). But otherwise it is the same.

  When the confirmation button is pressed in step S360 (S360: Yes), the control unit 106 deletes the image W10 from the customer operation screen unit 105 and then displays the image W10 for preventing skimming damage again. Is displayed (step S370). The partial image D20 included in W10 in step S370 is also referred to as a “second image”. The image W10 is a confirmation screen for confirming whether there is a difference between the card entry / exit 104 and the card entry / exit 104 in the second image.

  After step S370, until the user presses confirmation button B30 (step S380: No), control unit 106 stands by with image W10 displayed on customer operation screen unit 105. When the confirmation button B30 is pressed by the user (step S380: Yes), this process ends. In this manner, by showing the image near the card entrance / exit 104 to the user a plurality of times, the user can more accurately check whether the skimming machine is attached to the card entrance / exit 104.

  In the present embodiment, the partial image D20 (first image) in step S330 and the partial image D20 (second image) in step S370 are the same image. However, the first image and the second image may be different images. By making the first image and the second image different from each other, the user can be more cautioned. For this reason, the user can confirm more accurately whether or not a skimming machine is attached to the card slot 104.

  Note that the different images may be images having different viewpoints to the card entry / exit 104, for example. An image having a different viewpoint refers to an image in the vicinity of the card entry / exit 104 when viewed from a position where at least one of front, rear, left, right, and upper is different.

A-6. Fifth skimming prevention process:
FIG. 10 is a flowchart showing the flow of the fifth skimming prevention process in the present embodiment. The fifth skimming prevention process is the same as the first skimming prevention process, except that step S320 is provided between step S300 and step S330, but otherwise.

  In step S320, the control unit 106 determines whether or not a predetermined time has elapsed since the previous card insertion into the card slot 104. When the control unit 106 determines that the predetermined time has elapsed (step S320: Yes), the process proceeds to step S330. On the other hand, when the control unit 106 determines that the predetermined time has not elapsed (step S320: No), the process ends.

  By doing in this way, since it is thought that it is difficult to install a skimming machine in an automatic teller machine in the time zone when an automatic teller machine is used frequently, for example, image display can be omitted. For this reason, the processing time of deposit / withdrawal can be shortened, and a service to a user can be performed promptly.

B. Variations:
In addition, this invention is not restricted to said embodiment, In the range which does not deviate from the summary, it can be implemented in a various aspect, For example, the following deformation | transformation is also possible.

B1. Modification 1:
In the present embodiment, the image W10 displayed on the customer operation screen unit 105 includes a partial image D20 and a confirmation button B30 (see FIG. 5). However, the present invention is not limited to this. For example, the image W10 may be provided with other buttons.

  FIG. 11 is a diagram illustrating an example of the image W10. The image W10 includes a partial image D20 and a confirmation button B30, and further includes an enlargement button B40, a right button B50, and a left button B60.

  FIG. 12 is a diagram illustrating an example of the image W10 including the partial image D30. When the enlargement button B40 is pressed, the control unit 106 switches the partial image from the partial image D20 to the partial image D30 in which the vicinity of the card entrance / exit 104 is enlarged.

  FIG. 13 is a diagram illustrating an example of an image W10 including the partial image D40. When the right button B50 is pressed, the control unit 106 switches the partial image from the partial image D20 to the partial image D40 in which the vicinity of the card entrance / exit 104 is viewed from the right side.

  FIG. 14 is a diagram illustrating an example of an image W10 including a partial image D50. When the left button B60 is pressed, the control unit 106 switches the partial image from the partial image D20 to the partial image D50 in which the vicinity of the card entry / exit 104 is viewed from the left side.

B2. Modification 2:
In the present embodiment, the position of the user's eyes is calculated by the user position table, but the present invention is not limited to this. For example, the position of the user may be calculated by a calculation formula. When calculating using the calculation formula, the calculation is performed using the position and angle of the camera 113 in addition to the distance L, the distance M, and the distance T.

B3. Modification 3:
In the present embodiment, one partial image is displayed on the confirmation screen displayed on the customer operation screen unit 105. However, the present invention is not limited to this. A plurality of partial images may be displayed on the confirmation screen displayed on the customer operation screen unit 105.

  When displaying a plurality of partial images, only one of the plurality is set as a partial image representing the actual form of the card entry / exit 104, and the other partial images are not the card entry / exit 104 in the present embodiment. A partial image near 104 may be used. In this case, the skimming prevention process may be terminated when the user presses a partial image representing the actual form of the card entry / exit 104. By doing in this way, the user can confirm more accurately whether or not the skimming machine is attached to the card slot 104.

  In addition, the image stored in the storage unit 210 may be added. By doing so, a partial image near the card entry / exit 104 to which the detected skimming machine is attached is added, and the user is asked to confirm whether the vicinity of the card entry / exit 104 is in such a shape. Also good. As a method for making the user confirm, for example, when displaying a plurality of partial images, the detected skimming machine is attached as a partial image in the vicinity of the card entrance / exit 104 which is not the card entrance / exit 104 in the present embodiment. A partial image near the card slot 104 may be displayed. By doing in this way, the user can confirm more accurately whether or not the skimming machine is attached to the card slot 104.

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

DESCRIPTION OF SYMBOLS 100 ... Banknote handling apparatus 101 ... Automatic cash transaction apparatus 102 ... Card processing part 103 ... Cash processing part 104 ... Card entrance / exit 105 ... Customer operation screen part 106 ... Control part 107 ... Customer detection sensor 108 ... Cash storage cassette 109 ... Card conveyance Road 110: Cash transport path 111 ... Deposit / withdrawal port 113 ... Camera 120 ... Card information reading unit 130 ... Cash information reading unit 200 ... Main body control unit 210 ... Storage unit 212 ... CPU
L ... Distance S ... Square E ... Middle point Z ... Reference point M ... Distance T ... Distance HC ... Host computer NW ... Internet W10 ... Image D20 ... Partial image D30 ... Partial image B30 ... Confirm button D40 ... Partial image B40 ... Enlarge button B50 ... Right button D50 ... Partial image B60 ... Left button

Claims (4)

An automatic teller machine,
A sensor for detecting that the user is within a predetermined range;
A medium entry / exit for receiving and discharging a medium used for automatic cash transactions;
A storage unit for storing an image near the medium entrance and exit;
A display for displaying messages and images,
A control unit for controlling the automatic teller machine;
An imaging unit that captures a photographic image of the user ,
When the control unit detects the user by the sensor, the control unit displays a first image near the medium inlet / outlet on the display unit, and the medium inlet / outlet and the medium inlet / outlet in the first image are displayed. a confirmation screen to the effect to be sure that the difference is not displayed on the display unit in,
The control unit calculates the position of the user's eyes relative to the medium entrance and exit based on the information obtained by the sensor and the position of the user's eyes in the photographic image.
The automatic teller machine which displays the image visually recognized from the position of the said user's eyes with respect to the said medium entrance / exit on the said display part . The automatic teller machine according to claim 1 ,
An input unit for receiving information from the user;
After the control unit displays the confirmation screen on the display unit and receives an input indicating that the difference is not confirmed by the input unit,
Displaying the second image in the vicinity of the medium entrance / exit on the display unit, and displaying on the display unit that it should be confirmed whether there is a difference between the medium entrance / exit and the medium entrance / exit in the second image; Automatic cash transaction equipment. The automatic teller machine according to claim 2 ,
The automatic cash transaction apparatus, wherein the first image and the second image are different images. The automatic teller machine according to any one of claims 1 to 3 ,
The said control part is a cash automatic transaction apparatus which determines the presence or absence of the display of the said 1st image on the said display part according to the insertion frequency of the said medium in the said medium entrance / exit.

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