JP2012043265A - Automatic transaction device and method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction device for performing a transaction with insertion of a card which can detect attachment of a skimmer immediately and with reliability.SOLUTION: It is determined whether a skimmer 50 is attached on an automatic transaction device 100 by comparing a first output voltage V1 from a first illuminance sensor 12 which detects external light at a position separated from a card insertion slot 16 of the automatic transaction device 100 with a second output voltage V2 from a second illuminance sensor 14 which detects external light in the vicinity of the card insertion slot 16. When it is determined that the skimmer 50 is possibly be attached, the automatic transaction device 100 issues a warning and once stops taking in a card. Furthermore, if the warning continues for a predetermined time or longer, the operation of the automatic transaction device 100 is stopped.

Description

  The present invention relates to an automatic transaction apparatus installed in a financial institution or the like, and more particularly to an automatic transaction apparatus and method for preventing skimming for illegally stealing magnetic information on a card.

  In recent years, along with the expansion of the use of automatic transaction apparatuses, it has become a problem that the card magnetic information of the user is stolen and a card having the same magnetic information is forged and traded illegally. As a method of stealing magnetic information on a card, a machine having a card insertion slot resembling the shape of the card insertion slot of an automatic transaction apparatus called a skimming machine is illegally attached to the card insertion slot, and the user does not notice When a card is inserted for transaction, the information on the magnetic stripe of the card is read by the skimming machine and stored in the built-in storage means, and then the skimming machine is removed and the stored information is taken out to steal the information. Often done. Since the skimming machine resembles the shape of the card insertion slot, the user does not notice that the skimming machine is attached, and the magnetic information on the card is stolen in a normal transaction.

  As means for preventing the magnetic information of the card from being stolen by such a skimming machine, Patent Document 1 discloses that the card is intermittently conveyed when the card is inserted or ejected so that the magnetic information is not read illegally. An example is disclosed. Further, Patent Document 2 provides an example in which a flicker that emits light at a predetermined blinking is provided at a card insertion slot, and a light emission pattern of this flicker is displayed on a display screen, thereby allowing a user to recognize that a skimming machine is not mounted. Is disclosed. Patent Document 3 discloses an example in which mounting of a skimming machine is detected by providing a card insertion slot with a stopper that prevents card conveyance and disabling card ejection with this stopper. Patent Document 4 discloses an example in which a foreign object near a card insertion slot is detected by a reflection sensor.

JP 2007-16459 A JP 2007-279877 A JP 2009-181251 A JP 2007-265189 A

  In an automatic transaction apparatus that prevents the magnetic information of a conventional card from being stolen, after the skimming machine is attached to the automatic transaction apparatus, it is a method of detecting the skimming machine or a method of preventing magnetic information from being stolen. It did not prevent the skimming machine from being attached to the automatic transaction apparatus. Moreover, it may be difficult to detect the skimming machine due to the structure of the automatic transaction apparatus. As a result, even if a countermeasure can be taken for the automatic transaction apparatus, a skimming machine is installed to find a means for avoiding the countermeasure, and a skimming machine that completely avoids the countermeasure is developed as this is repeated. There was a problem that.

  The present invention has been made in view of such a problem, and an object thereof is to provide an automatic transaction apparatus that can reliably detect a skimming machine as soon as it is attached.

  When a card is inserted, the card is detected by a card insertion detection sensor, the card transport roller rotates, the card is transported to the card processing unit, information is read from the card by the card processing unit, and transaction is performed. Detects external light at a position slightly away from the card insertion slot on the automatic transaction apparatus, and outputs first output voltage based on the detected illuminance and external light in the vicinity of the card insertion slot. Whether or not the automatic transaction apparatus is loaded with the second illuminance sensor means for detecting the illuminance and outputting the second output voltage based on the detected illuminance, and the first output voltage and the second output voltage. A voltage determining means for determining whether or not an appendage has been set by the voltage determining means, a warning is issued, card taking is stopped once, and the warning is further stopped after a predetermined time. It characterized in that it discontinue the operation of the automatic teller machine and followed.

  Also, when a card is inserted, this card is detected by a card insertion detection sensor, the card transport roller rotates, the card is transported to the card processing unit, information is read from the card by the card processing unit, and the transaction is performed automatically. The transaction method includes a first illuminance sensor voltage output step of detecting external light at a position slightly away from the card insertion slot on the automatic transaction apparatus, and outputting a first output voltage based on the detected illuminance, and a card insertion slot. From the second illuminance sensor voltage output step for detecting the ambient light in the vicinity and outputting the second output voltage based on the detected illuminance, and the first output voltage and the second output voltage to the automatic transaction apparatus. And a voltage determination step for determining whether or not the device has been set. When the voltage determination step determines that an additional item has been set, a warning is issued and the card is temporarily stopped. Et a warning, characterized in that to stop the operation of the automatic teller machine when subsequent predetermined time or more.

  According to the present invention, the skimming machine is attached from the outputs of the two illuminance sensors, the first illuminance sensor provided at a position away from the card insertion slot and the second illuminance sensor provided near the card insertion slot. Therefore, even if a means for erroneously detecting a foreign matter detection sensor is provided in the skimming machine, it can be reliably detected.

It is sectional drawing which shows the structure in the Example of the automatic transaction apparatus by this invention. It is a block diagram which shows the structure of the automatic transaction apparatus in the Example. It is a block diagram which shows operation | movement of the automatic transaction apparatus in the Example. It is a schematic diagram for demonstrating the output determination method in the 1st illumination intensity sensor part in the Example. It is a schematic diagram for demonstrating the output determination threshold value determination method in the 2nd illumination intensity sensor part in the Example. It is a schematic diagram for demonstrating the example of the output determination method in the 2nd illumination intensity sensor part in the Example. It is sectional drawing which shows the structure for demonstrating operation | movement of the automatic transaction apparatus in the Example. It is sectional drawing which shows the structure for demonstrating operation | movement of the automatic transaction apparatus in the Example.

  Next, an automatic transaction apparatus for preventing skimming will be described in detail as an embodiment of an automatic transaction apparatus according to the present invention with reference to the accompanying drawings.

  First, the structure and configuration near the card insertion slot of an automatic transaction apparatus in a normal state with no skimming machine attached will be described with reference to FIGS. The automatic transaction apparatus 100 includes a first illuminance sensor 12, a second illuminance sensor 14, a card insertion slot 16, a card insertion detection sensor 18, a card transport roller 20, a voltage determination unit 22, a card processing unit 30, a warning unit 32, and A device management unit 34 is included and is configured as shown.

  The first illuminance sensor 12 is disposed at a position slightly away from the card insertion slot 16 on the automatic transaction apparatus 100, for example, approximately 40 to 50 cm above, detects the external light of the automatic transaction apparatus 100, and sets the illuminance of the external light. Based on this, an output voltage V1 102 is output and sent to the voltage determination unit 22.

  The second illuminance sensor 14 is disposed in the vicinity of the card insertion slot 16, detects external light in the vicinity of the card insertion slot 16, outputs an output voltage V 2 104 based on the illuminance of the external light, and supplies the voltage determination unit 22. send.

  The card insertion slot 16 is installed for the user to insert the card 40 in the A direction, and includes a card insertion detection sensor 18, a card transport roller 20, and a card processing unit 30 inside.

  The card insertion detection sensor 18 is installed in the vicinity of the entrance of the card insertion slot 16, detects the card 40 inserted in a normal state, and sends a detection signal 115 to the device management unit 34.

  The card transport roller 20 rotates the card transport roller 20 based on the instruction signal 116 from the device management unit 34 that has received the detection signal sent from the card insertion detection sensor 18, and the card installed at the back of the card insertion slot 16. The card 40 is conveyed to the processing unit 30. Further, based on the instruction signal 116 from the apparatus management unit 34, the driving of the card 40 is stopped.

  The voltage determination unit 22 includes a V1 determination unit 24, a V2 determination threshold setting unit 26, and a V2 determination unit 28.

  The V1 determination unit 24 compares the output voltage V1 102 sent from the first illuminance sensor 12 with a preset value to determine whether or not the external light is in a normal state. The signal 106 is sent to the warning unit 32 and the device management unit 34. If it is determined that the state is normal, the information 108 of the output voltage V1102 is sent to the V2 determination threshold setting unit 26.

  The V2 determination threshold setting unit 26 sets the V2 determination threshold 110 calculated from the information 108 of the output voltage V1 102 sent from the V1 determination unit 24 and a predetermined value, and sends it to the V2 determination unit 28.

  The V2 determination unit 28 determines whether the output voltage V2 104 sent to the second illuminance sensor 14 is in a normal state or an abnormal state using the V2 determination threshold value 110 sent from the V2 determination threshold setting unit 26. In the case of an abnormal state, a warning signal 112 is sent to the warning unit 32 and the device management unit 34. In the normal state, a normal information signal 114 is sent to the card processing unit 30.

  The card processing unit 30 receives the card 40 and enables a user's desired treatment.

  The warning unit 32 includes warning means such as a speaker and a warning light. Using this warning means, when the error signal 106 is sent from the V1 determination unit 24, it warns that V1 is an error, and also determines V2. When a warning signal 112 is sent from the unit 28, a warning is given that there is a possibility of skimming.

  When the error signal 106 is sent from the V1 determination unit 24 and the warning signal 112 is sent from the 2 determination unit 28, the device management unit 34 performs a partial stop of the device or an operation stop of the automatic transaction device 100 depending on the situation. Do.

  Next, operation | movement of the automatic transaction apparatus which prevents skimming in a present Example is demonstrated with reference to FIGS.

  First, in the automatic transaction apparatus, in the standby state, an output voltage V1 due to external light received by the first illuminance sensor 12 is sent to the voltage determination unit 22.

  The V1 determination unit 24 of the voltage determination unit 22 determines output of the output voltage V1 sent from the first illuminance sensor 12 (S202). This output determination first determines whether or not external light is received by the first illuminance sensor 12 and whether or not abnormally bright external light is received. For example, as shown in FIG. The lower limit output voltage Va and the upper limit output voltage Vb are determined in advance, and it is determined whether or not the output voltage V1 is Va ≦ V1 ≦ Vb. The lower limit output voltage Va is the lowest output of the first illuminance sensor 12 obtained from outside light in the normal standby state. If V1 <Va or Vb <V1, a failure of the first illuminance sensor or other part is considered. Therefore, the error signal 106 is sent from the voltage determination unit 22 to the warning unit 32 and the device management unit 34 to be warned and the operation of the automatic transaction apparatus is stopped (S204).

  When it is determined that the output voltage of the first illuminance sensor is normal, the voltage determination unit 22 determines the output voltage V2 of the second illuminance sensor in order to determine a predetermined value that is determined in advance with reference to the output voltage V1. From this, the V2 determination threshold value 110 is determined (S206). For example, as shown in FIG. 5, the lower limit output voltage Vc is determined as Vc = V1−Vx, and the upper limit output voltage Vd is determined as Vd = V1 + Vx. Here, Vx is a value determined in advance in consideration of installation conditions such as a difference in attachment position between the first illuminance sensor 12 and the second illuminance sensor 14 and individual differences of the sensors.

  Next, the output voltage V2 due to the external light received by the second illuminance sensor 14 is sent to the voltage determination unit 22, and the voltage determination unit 22 makes a determination using the V2 determination threshold 110 determined in advance. For example, with reference to the lower limit output voltage Vc and the upper limit output voltage Vd, it is determined whether the output voltage V2 is Vc ≦ V2 ≦ Vd (S208). Here, if Vc ≦ V2 ≦ Vd, it is determined that the second illuminance sensor 14 normally receives external light and the skimming machine 50 is not attached as shown in FIG. As a result, the automatic transaction apparatus 100 normally accepts the user's card 40 and performs the function desired by the user (S210).

  If the output voltage V2a is V2a <Vc as shown in FIG. 6, for example, as shown in FIG. 7, a skimming machine 50 is attached to the card insertion slot 16, and the external light to the second illuminance sensor 14 is blocked. Therefore, the warning signal 112 is sent from the voltage determination unit 22 to the warning unit 32 such as a speaker and a warning light (S212), and the warning signal 112 is sent to the device management unit 34 to carry the card. A stop signal 116 for stopping the function of the roller 20 is sent to temporarily stop the conveyance of the card 40 (S214). Further, when the apparatus management unit 34 continuously receives the warning signal 112 for a predetermined time (S216), the operation of the automatic transaction apparatus 100 is stopped (S218).

  In addition, a person who intends to set up the skimming machine 50 recognizes the presence of the second illuminance sensor 14, and attaches the light emitting element 52 to the skimming machine 50 in advance as shown in FIG. 8 to give light instead of outside light. Although it is conceivable that the output determination value of the second illuminance sensor 14 is determined from the output value of the first illuminance sensor 12 at that time, the determination threshold value cannot be known from the outside of the apparatus. It is impossible to adjust the light emission output of the light emitting element 34 to fall within the determination threshold by setting the width of the determination threshold (the difference between the lower limit output voltage Vc and the upper limit output voltage Vd) to be small. As shown in FIG. 6, the output voltage V2b of the second illuminance sensor 14 by the light emitting element 34 is Vd <V2b. In this case as well, the warning signal 112 is sent from the voltage determination unit 22 to the warning unit 32 to give a warning, and the warning signal 112 is sent to the device management unit 34 to send a stop signal 116 that stops the function of the card transport roller 20. The conveyance of the card 40 is temporarily stopped. Further, when the apparatus management unit 34 continuously receives the warning signal 112 for a predetermined time, the operation of the automatic transaction apparatus 100 is stopped.

  Here, in order to check for malfunctions such as when external light is temporarily interrupted by factors other than skimming machines, the automatic transaction device was stopped after a predetermined time after sending the warning signal. The automatic transaction apparatus may be stopped at the same time as the transmission.

  In addition, if the skimming machine 50 is perforated or a transparent cover is used so as not to block outside light, the user or administrator can easily recognize that the skimming machine 50 is installed. Is possible.

  In addition, artificial light with a certain illuminance may be used as external light instead of natural light, and the skimming machine may be detected by periodically varying the illuminance of the artificial light and determining the output of the illuminance sensor. Is possible.

  Although the above-mentioned embodiment explained the example applied to the prevention of the device of the card skimming machine in the automatic transaction apparatus, for example, all apparatuses that perform transactions using a storage medium such as a credit card settlement with a magnetic card in the ticket issuing machine It can be applied as skimming prevention.

12, 14 Illuminance sensor
16 Card slot
18 Card insertion detection sensor
20 Card transport roller
22 Voltage detector
30 Card processing section
40 cards
50 skimming machine
52 Light emitting element

Claims (6)

When a card is inserted, the card insertion detection sensor detects the card, the card transport roller rotates, transports the card to the card processing unit, reads information from the card in the card processing unit, and performs a transaction. In an automatic transaction apparatus, the apparatus
A first illuminance sensor means for detecting external light at a position separated from the card insertion slot on the automatic transaction apparatus and outputting a first output voltage based on the detected illuminance;
Second illuminance sensor means for detecting external light in the vicinity of the card insertion slot and outputting a second output voltage based on the detected illuminance;
Voltage judging means for judging whether or not an appendage is set on the automatic transaction apparatus from the first output voltage and the second output voltage,
When it is determined by the voltage determination means that an additional item is set, a warning is issued, card taking is temporarily stopped, and the operation of the automatic transaction apparatus is stopped when the warning continues for a predetermined time or longer. Automatic transaction equipment. The automatic transaction apparatus according to claim 1, wherein the voltage determination unit includes:
First voltage determination means for determining whether or not the external light is in a normal state by comparing the first output voltage with a preset value;
Threshold setting means for setting a threshold for determining the second output voltage by calculating from the first output voltage and a predetermined value determined in advance;
And a second output voltage determining means for determining the second output voltage based on the threshold value.   2. The automatic transaction apparatus according to claim 1, wherein the first illuminance sensor means is installed approximately 40 to 50 cm above the card insertion slot.   3. The automatic transaction apparatus according to claim 2, wherein the threshold value setting means subtracts a predetermined value from the first output voltage by setting a value obtained by adding a predetermined value to the first output voltage as an upper limit output voltage. An automatic transaction apparatus, wherein a value is determined as a lower limit output voltage. When a card is inserted, the card is detected by the card insertion detection sensor, the card transport roller rotates, the card is transported to the card processing unit, and the card processing unit reads information from the card and performs a transaction. In the automatic transaction method, the method includes:
A first illuminance sensor voltage output step of detecting external light at a position separated from the card insertion slot on the automatic transaction apparatus and outputting a first output voltage based on the detected illuminance;
A second illuminance sensor voltage output step of detecting external light in the vicinity of the card insertion slot and outputting a second output voltage based on the detected illuminance;
A voltage determination step of determining whether an appendage is set on the automatic transaction apparatus from the first output voltage and the second output voltage,
When it is determined by the voltage determination step that an additional product is set, a warning is issued, card taking is temporarily stopped, and the operation of the automatic transaction apparatus is stopped when the warning continues for a predetermined time or more. Automatic transaction method. 6. The automatic transaction method according to claim 5, wherein the voltage determination step includes:
A first voltage determination step of determining whether the outside light is in a normal state by comparing the first output voltage with a preset value;
A threshold setting step for setting a threshold for determining the second output voltage by calculating from the first output voltage and a predetermined value determined in advance;
And a second output voltage determination step of determining the second output voltage based on the threshold value.

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