技术领域technical field
本发明涉及自助设备及自动发卡系统，尤其涉及具备读卡器、发卡器、卡无效化装置和卡回收箱的自助设备、以及由该自助设备和上层系统构成的自动发卡系统。The present invention relates to a self-service device and an automatic card issuing system, in particular to a self-service device equipped with a card reader, a card issuer, a card invalidation device and a card recovery box, and an automatic card issuing system composed of the self-service device and an upper system.
背景技术Background technique
在银行等金融机构中，为了减轻管机员的负担，并使顾客的存款处理或取款处理等业务自动化来提高对顾客的服务，大量地使用自动交易装置等自助设备。另外，供顾客自助进行规定业务(例如交电费等业务)的各种自助设备也被广泛利用。为了使这些自助设备自动运行，使用磁卡或IC卡，作为供自助设备识别用户及其账户的信息的介质。In financial institutions such as banks, self-service equipment such as automatic transaction machines are widely used in order to reduce the burden on operators and to improve customer service by automating operations such as customer deposit processing and withdrawal processing. In addition, various self-service devices for customers to perform prescribed tasks (for example, payment of electricity bills, etc.) by themselves are also widely used. In order for these self-service devices to operate automatically, a magnetic card or an IC card is used as a medium of information for the self-service devices to identify users and their accounts.
在一般情况下，用户例如在交易开始时等状态下将卡插入自助设备，进行相应操作，在交易结束时等状态下从自助设备吐卡，用户取卡并结束对自助设备的操作。In general, the user inserts the card into the self-service device at the beginning of the transaction, performs corresponding operations, and ejects the card from the self-service device at the end of the transaction, and the user takes the card and ends the operation on the self-service device.
但是，用户有时在交易结束时等状态下自助设备吐卡后忘记取卡。此时，为了防止卡被该用户以外的其他人取走，在吐卡后规定时间内卡没有被取走的情况下，判断为用户忘记取卡，再次将卡输送至自助设备内，并将忘取的卡回收至装置内位于读卡器后方的卡回收箱。之后，忘记取卡的用户前往管辖该自助设备的银行支行，通过规定的手续取走被回收的卡。However, the user sometimes forgets to take the card after the self-service device ejects the card at the end of the transaction. At this time, in order to prevent the card from being taken away by someone other than the user, if the card is not taken away within the specified time after the card is delivered, it is judged that the user has forgotten to take the card, and the card is sent to the self-service device again, and the Forgotten cards are returned to the card recycling bin located behind the card reader inside the unit. Afterwards, the user who forgot to take the card goes to the bank sub-branch that governs the self-service device, and takes the recovered card through the prescribed procedures.
因此，在卡被忘记从自助设备取出的情况下，用户不得不前往管辖该自助设备的银行支行等，并通过取卡手续等复杂的操作取卡。另一方面，自助设备的管理人员也不得不前往自助设备取走被回收的卡，并保管这些卡，在忘记取卡的用户前来取卡时，执行用于确认是否为用户本人以及返卡等的手续。这样，存在妨碍自助设备的运用效率的技术问题。Therefore, when the card is forgotten to be taken out from the self-service device, the user has to go to a bank branch or the like in charge of the self-service device, and take out the card through complicated operations such as card withdrawal procedures. On the other hand, the management personnel of the self-service equipment also have to go to the self-service equipment to take the recovered cards and keep these cards. Waiting for the procedure. In this way, there is a technical problem that hinders the operating efficiency of the self-service equipment.
针对上述技术问题，现有技术提出了在自助设备中设置返卡器，以便提高自助设备的运用效率。例如，在自助设备中读卡器的后方设置多个用于收纳卡的暂存器，在该自助设备回收了该暂存器的容量以内的卡的情况下，通过由用户在自助设备的显示画面上进行规定的返卡操作，能够向用户返还被回收的卡。In view of the above technical problems, the prior art proposes to install a card return device in the self-service equipment, so as to improve the utilization efficiency of the self-service equipment. For example, a plurality of temporary registers for storing cards are set behind the card reader in the self-service equipment. Perform the prescribed card return operation on the screen, and the recovered card can be returned to the user.
但是，上述现有技术仍然存在以下急需解决的技术问题。However, the above prior art still has the following technical problems that need to be solved urgently.
例如，在上述自助设备回收了超过暂存器的容量的卡的情况下，还是只能将卡回收至位于读卡器后方的卡回收箱。自助设备的管理人员还是不得不前往自助设备取走被回收至卡回收箱的卡，并保管这些卡，需要人工对被回收的卡进行处理，存在管理人员操作失误或非法操作的危险。而且在这种情况下，忘记取卡的用户还是不得不前往原自助设备进行上述规定的返卡操作。如果在用户前往该自助设备进行返卡操作之前，自助设备的管理人员已经通过定期回收处理将该自助设备回收的卡取走，则用户又只能前往管辖该自助设备的银行等进行取卡手续等复杂的操作取卡。For example, when the above-mentioned self-service equipment reclaims cards exceeding the capacity of the temporary storage, the cards can only be recycled to the card recycling box located behind the card reader. The management personnel of the self-service equipment still have to go to the self-service equipment to take away the cards recycled to the card recycling box and keep these cards. The recycled cards need to be processed manually, which may cause the management personnel to operate incorrectly or operate illegally. And in this case, the user who forgets to take out the card still has to go to the original self-service device to perform the above-mentioned return card operation. If before the user goes to the self-service device to return the card, the manager of the self-service device has taken away the card recovered by the self-service device through regular recycling, then the user can only go to the bank in charge of the self-service device to take the card. And other complicated operations to get the card.
而且，特别是，返卡器中用于收纳卡的暂存器大多采用上下移动构造，暂存器的容量在原理上受限于从进出卡口到读卡器底面的距离。一般而言，暂存器的容量只能容纳5张左右的卡，这种程度的回收效率难以满足实际需要。Moreover, in particular, most of the temporary registers used to store cards in the card return device adopt a structure that moves up and down, and the capacity of the temporary registers is limited in principle by the distance from the card entrance and exit to the bottom surface of the card reader. Generally speaking, the capacity of the scratchpad can only hold about 5 cards, and the recovery efficiency of this level is difficult to meet the actual needs.
因此，上述现有技术仍然无法完全解决向用户返卡的技术问题，可返还的卡的张数有限，供返卡操作的时间有限，用户只能到本台设备或指定设备/地点取回卡片。另外，存在管理人员操作失误或非法操作的危险，而且仍然存在回收效率低下而影响自助设备的运用效率的技术问题。Therefore, the above-mentioned existing technology still cannot completely solve the technical problem of returning the card to the user. The number of cards that can be returned is limited, and the time for returning the card is limited. . In addition, there is a danger of management personnel operating errors or illegal operations, and there are still technical problems such as low recycling efficiency that affects the utilization efficiency of self-service equipment.
发明内容Contents of the invention
本发明针对现有技术中的上述技术问题，提供一种能够即时且高效地对被回收的卡进行无效化处理的自助设备及自动发卡系统。The present invention aims at the above-mentioned technical problems in the prior art, and provides a self-service device and an automatic card issuing system capable of immediately and efficiently invalidating recovered cards.
本发明提供一种自助设备，能够回收并发行用于记录信息的卡，其特征在于，具有：进出卡口，供卡插入自助设备，并且供新发行的卡从自助设备送出；读卡器，设有能够输送被插入的卡和新发行的卡的卡输送路径，能够从所述被插入的卡读取包含用于识别该被插入的卡的信息的回收卡信息，或者从所述新发行的卡读取包含用于识别该新发行的卡的信息的发卡信息；发卡器，设有保管并输送要新发行的卡的卡暂存器；卡无效化装置，破坏所述被插入的卡中记录并保存信息的部分来使卡无效化或者输送根据所述回收卡信息被无效化的所述被插入的卡；以及回收箱，收纳被无效化的所述被插入的卡。The invention provides a kind of self-service equipment, which can recycle and issue cards used for recording information, and is characterized in that it has: a bayonet for inserting cards into the self-service equipment, and for sending out newly issued cards from the self-service equipment; a card reader, There is provided a card transport path capable of transporting an inserted card and a newly issued card from which recycled card information including information for identifying the inserted card can be read, or from the newly issued card. The card reads the card issuance information containing information for identifying the newly issued card; the card issuer is provided with a card temporary register for storing and delivering the newly issued card; the card invalidation device destroys the inserted card A part in which information is recorded and saved in the card is invalidated or the inserted card invalidated according to the recycled card information is transported; and a recycling box stores the invalidated inserted card.
本发明的自助设备也可以是，所述卡无效化装置具有以物理性方式破坏所述被插入的卡中记录并保存信息的部分来使卡无效化的破坏机构。In the self-service device of the present invention, the card invalidation device may have a destruction mechanism that physically destroys a portion of the inserted card where information is recorded and stored to invalidate the card.
本发明的自助设备也可以是，所述破坏机构破坏由所述回收卡信息和表示卡被回收时应如何处理的回收时处理信息示出应该在回收时被破坏的卡。In the self-service device according to the present invention, the destroying mechanism destroys a card that should be destroyed at the time of collection by the collection card information and collection-handling information indicating how the card should be handled when the card is collected.
本发明的自助设备也可以是，所述自助设备还具有能够提示被插入的卡是否由所述破坏机构破坏的提示机构。In the self-service device of the present invention, the self-service device may further include a prompting mechanism capable of prompting whether the inserted card has been destroyed by the destroying mechanism.
本发明的自助设备也可以是，所述发卡器还具有用于检测所述卡暂存器中保管的卡的余量的卡余量检测机构，所述发卡器在所述卡余量检测机构检测为所述卡暂存器为空的情况下不发行卡。In the self-service equipment of the present invention, the card issuer may also have a card remaining amount detection mechanism for detecting the remaining amount of the card stored in the card temporary storage, and the card issuer may be installed in the card remaining amount detection mechanism When it is detected that the card temporary memory is empty, the card is not issued.
本发明的自助设备也可以是，所述自助设备还具有能够在所述卡余量检测机构检测为所述卡暂存器为空的情况下提示不能发行卡、或者在所述卡余量检测机构检测为所述卡暂存器不为空的情况下提示能够发行卡的提示机构。The self-service device of the present invention may also be that the self-service device also has the ability to prompt that a card cannot be issued when the card remaining amount detection mechanism detects that the card temporary storage is empty, or when the card remaining amount detection mechanism detects that the card temporary storage is empty. When the mechanism detects that the card temporary register is not empty, it prompts the presenting mechanism capable of issuing the card.
本发明的自助设备也可以是，所述自助设备还具有能够引导针对被忘记取走的卡申请补发卡的处理的提示机构。In the self-service device of the present invention, the self-service device may further include a prompting mechanism capable of instructing a process of applying for reissuing a card that has been forgotten to be taken.
本发明的自助设备也可以是，所述自助设备新发行种类与所述被插入的卡不同的卡。In the self-service device of the present invention, the self-service device may newly issue a card of a type different from that of the inserted card.
本发明的自助设备也可以是，所述自助设备还具有能够引导申请将当前卡换为种类与该当前卡不同的卡的处理的提示机构。In the self-service device of the present invention, the self-service device may further include a prompting mechanism capable of instructing a process of applying for changing the current card to a card of a different type from the current card.
本发明的自助设备也可以是，所述自助设备还具有返卡器，该返卡器设有能够逐张收纳多张卡的暂存器，且能够将所述被插入的卡彼此相区别地回收和返还。The self-service equipment of the present invention may also be that the self-service equipment also has a card return device, which is provided with a temporary register capable of accommodating multiple cards one by one, and can distinguish the inserted cards from each other. Recycling and Return.
本发明的自助设备也可以是，所述读卡器的卡输送路径与所述发卡器的卡输送路径不沿着同一条直线配置。In the self-service device of the present invention, the card transport path of the card reader and the card transport path of the card issuer may not be arranged along the same straight line.
本发明的自助设备也可以是，所述自助设备还具备第二进出卡口，所述读卡器的卡输送路径与所述进出卡口连通，所述发卡器的卡输送路径与所述第二进出卡口连通。The self-service equipment of the present invention may also be that the self-service equipment is also equipped with a second card inlet and outlet, the card delivery path of the card reader is connected with the card inlet and outlet, and the card delivery path of the card issuer is connected with the second card inlet and outlet. The two inlet and outlet bayonets are connected.
本发明还提供一种自动发卡系统，其特征在于，具备上述技术方案中的某一个所述的自助设备、以及与该自助设备通过网络连接的上层系统，所述上层系统从所述自助设备接收所述回收卡信息和所述发卡信息并与该上层系统所保持的账户信息建立关联地存储。The present invention also provides an automatic card issuing system, which is characterized in that it is equipped with the self-service equipment described in one of the above technical solutions, and an upper-level system connected to the self-service equipment through a network, and the upper-level system receives information from the self-service equipment. The card recycling information and the card issuing information are stored in association with the account information held by the upper system.
本发明的自动发卡系统也可以是，所述自动发卡系统具备多台所述自助设备，多台自助设备中的某一台自助设备利用由其他自助设备读取的回收卡信息发行新的卡。In the automatic card issuing system of the present invention, the automatic card issuing system may include a plurality of self-service devices, and one of the plurality of self-service devices issues a new card using the recovered card information read by other self-service devices.
本发明的自动发卡系统也可以是，所述上层系统根据从所述自助设备接收的所述回收卡信息，禁用所述回收卡信息所示的卡。In the automatic card issuing system of the present invention, the upper layer system may disable the card indicated in the recycled card information according to the recycled card information received from the self-service equipment.
根据本发明的自助设备和自动发卡系统，在由于用户忘记取卡等而回收卡时，能够即刻对卡进行无效化处理，提高了保管安全性，而且针对回收的卡仅需要由管机员从自助设备清理并废弃即可，还能够减小管理和操作负担。According to the self-service equipment and the automatic card issuing system of the present invention, when the user forgets to take out the card and recycles the card, the card can be invalidated immediately, which improves the storage security, and only needs to be collected by the operator from the card. Self-service equipment can be cleaned and disposed of, and can also reduce administrative and operational burdens.
而且，能够在任意的时间根据用户请求补发卡，提高了用户的便利性。而且，在设置了多台该结构的自助设备的情况下，能够在忘记取卡的自助设备以外的任意自助设备上补发卡，大大提高了用户的便利性。Moreover, the card can be reissued according to the user's request at any time, which improves the convenience of the user. Moreover, when a plurality of self-service devices with this structure are installed, the card can be reissued on any self-service device other than the self-service device that forgot to take out the card, which greatly improves the convenience of the user.
而且，本发明在发卡器中保管的卡与回收卡即使是不同的卡也能够适用。在忘记取卡以外的各种发卡业务中，例如在从磁卡更换为IC卡的情况下，也能够适用本发明。由此，以往必须在银行柜台才能进行的业务能够在自助设备上进行，降低了银行柜台的操作负担，提高了用户的便利性。Furthermore, the present invention can be applied even if the card stored in the card issuer and the collected card are different cards. The present invention can also be applied to various card issuing operations other than forgetting to take out a card, for example, when changing from a magnetic card to an IC card. As a result, businesses that had to be performed at bank counters in the past can be performed on self-service devices, reducing the operational burden on bank counters and improving user convenience.
附图说明Description of drawings
图1是本发明所涉及的自动交易系统的概念图。FIG. 1 is a conceptual diagram of an automatic trading system according to the present invention.
图2是本发明所涉及的自助设备的外观示意图。Fig. 2 is a schematic diagram of the appearance of the self-service equipment involved in the present invention.
图3是现有技术的自助设备的卡处理相关部分的内部结构示意图。Fig. 3 is a schematic diagram of the internal structure of the card processing-related parts of the self-service device in the prior art.
图4是本发明所涉及的自助设备的内部结构示意图。Fig. 4 is a schematic diagram of the internal structure of the self-service equipment involved in the present invention.
图5是本发明的自助设备中关于卡处理的结构的截面示意图。Fig. 5 is a schematic cross-sectional view of a structure related to card processing in the self-service device of the present invention.
图6是本发明的一个其他实施例的自助设备中关于卡处理的结构的截面示意图。Fig. 6 is a schematic cross-sectional view of the card processing structure of the self-service device in another embodiment of the present invention.
图7是本发明的另一个其他实施例的自助设备的内部结构示意图。Fig. 7 is a schematic diagram of the internal structure of the self-service equipment in another embodiment of the present invention.
附图标记说明：Explanation of reference signs:
100自动交易系统；101网络；11上层系统；1、1'自助设备；2操作面板；3操作按键；4密码输入部；5管机员操作面板；6、6'进出卡口；7存取款口；8凭条出口；9纸币处理机构；10控制部；12接收部；13发送部；25存储部；106进出卡口；110读卡器；120返卡器；121暂存器；122卡回收箱；30读卡器；40发卡器；50卡无效化装置；31进出卡部；32卡输送路径；33驱动辊；34卡检测传感器；35磁头；36IC触点；37卡送出部；41进出卡部；42卡输送路径；43驱动辊；44卡暂存器；45空检测传感器；46卡发放部；47卡送出部；51卡插入部；52卡输送路径；53卡检测传感器；54破坏机构；55驱动辊；56卡排出部；57回收箱；60返卡器；61回收箱。100 automatic trading system; 101 network; 11 upper system; 1, 1' self-service equipment; 2 operation panel; 3 operation buttons; 4 password input part; Payment port; 8 Receipt exit; 9 Banknote processing mechanism; 10 Control department; 12 Receiving department; 13 Sending department; 25 Storage department; Card recovery box; 30 card reader; 40 card issuer; 50 card invalidation device; 31 card in and out part; 32 card conveying path; 33 driving roller; 34 card detection sensor; 35 magnetic head; 36 IC contact; 41 card in and out section; 42 card conveying path; 43 driving roller; 44 card temporary storage; 45 empty detection sensor; 46 card issuing section; 47 card sending section; 51 card inserting section; 52 card conveying path; 54 destruction mechanism; 55 drive roller; 56 card discharge unit; 57 recovery box; 60 card return device; 61 recovery box.
具体实施方式detailed description
以下结合附图对本发明进行更详细的说明。此外，在附图中给同一或者相应部分附以同一附图标记，省略重复的说明。The present invention will be described in more detail below in conjunction with the accompanying drawings. In addition, the same reference numerals are attached to the same or corresponding parts in the drawings, and repeated descriptions are omitted.
首先，结合附图说明包括本发明所涉及的自动发卡系统。本发明的自动发卡系统例如可以由自动交易系统实现。图1是本发明的自动交易系统的概念图。如图1所示，自动交易系统100包括上层系统11、网络101和自助设备1-1、1-2、1-3、1-4。上层系统11例如为ATMP系统(银行综合业务前置系统)。其中，上层系统11例如能够接收并管理自助设备1的交易记录和余额信息。网络101例如为有线通信网络或无线通信网络等各种通信网络，能够实现数据的传输。自助设备1-1、1-2、1-3、1-4能够通过网络101与上层系统11进行通信。其中，自助设备1-1、1-2、1-3、1-4虽然示出4个，但其数量不限，可以根据需要任意设置。各自助设备可以是相同或相似的结构，以下统一作为自助设备1来进行说明。Firstly, the automatic card issuing system involved in the present invention will be described with reference to the accompanying drawings. The automatic card issuing system of the present invention can be realized by an automatic transaction system, for example. Fig. 1 is a conceptual diagram of the automatic trading system of the present invention. As shown in FIG. 1 , an automatic transaction system 100 includes an upper-level system 11, a network 101, and self-service devices 1-1, 1-2, 1-3, and 1-4. The upper system 11 is, for example, an ATMP system (integrated banking front-end system). Among them, the upper system 11 can receive and manage the transaction records and balance information of the self-service equipment 1, for example. The network 101 is, for example, various communication networks such as a wired communication network or a wireless communication network, and can realize data transmission. The self-service devices 1 - 1 , 1 - 2 , 1 - 3 , and 1 - 4 can communicate with the upper system 11 through the network 101 . Among them, although four self-service devices 1-1, 1-2, 1-3, and 1-4 are shown, the number is not limited and can be set arbitrarily according to needs. Each self-service device may have the same or similar structure, which will be collectively referred to as self-service device 1 for description below.
结合附图具体说明本发明的自助设备。图2是本发明所涉及的自助设备的外观示意图。在图2中，各结构的设置位置及形状仅为示意，并不作为对本发明的限定，在实际中可以根据情况采用各种适当的设置位置及形状。如图2所示，自助设备1又称为自动柜员机，例如是在银行等中用于存取款等交易的装置(自动交易装置)。但自助设备不限于此，也可以是供顾客自助进行规定业务(例如交电费等业务)的各种自助设备。该自助设备1具备作为提示机构的操作面板(例如触摸显示屏)2、操作按键3和密码输入部4，以供用户操作来执行交易。上述提示机构不限于操作面板2，也可以是基于声音或震动等方式进行提示的提示机构。在自助设备1上，例如在前表面上配置有进出卡口6、存取款口7、凭条出口8等。在自助设备1的内部，收纳着纸币处理机构9、控制部10以及通过网络101与银行核心业务系统11和出纳系统102进行通信的接收部12和发送部13。另外，在自助设备1上，例如在后表面上配置有供管机员进行操作的管机员操作面板5(例如触摸显示屏)。The self-service equipment of the present invention is specifically described in conjunction with the accompanying drawings. Fig. 2 is a schematic diagram of the appearance of the self-service equipment involved in the present invention. In FIG. 2 , the installation positions and shapes of each structure are only for illustration, and are not intended to limit the present invention. In practice, various appropriate installation positions and shapes can be adopted according to the situation. As shown in FIG. 2 , the self-service machine 1 is also called an automatic teller machine, and is, for example, a device (automatic transaction device) used for transactions such as deposit and withdrawal in a bank or the like. However, the self-service equipment is not limited thereto, and may also be various self-service equipment for customers to perform prescribed services (such as paying electricity bills) by themselves. The self-service device 1 includes an operation panel (for example, a touch panel) 2 as a presentation mechanism, an operation button 3 and a password input unit 4 for a user to operate to execute a transaction. The above-mentioned prompting mechanism is not limited to the operation panel 2 , and may also be a prompting mechanism based on sound or vibration. On the self-service device 1 , for example, a card slot 6 , a deposit and withdrawal port 7 , a receipt exit 8 , etc. are arranged on the front surface. Inside the self-service device 1 are housed a banknote processing mechanism 9 , a control unit 10 , and a receiving unit 12 and a sending unit 13 that communicate with the bank core business system 11 and the cashier system 102 through the network 101 . In addition, on the self-service device 1 , for example, an operator operation panel 5 (for example, a touch panel) is arranged on the rear surface for the operator to operate.
另外，自助设备1还具备存储部25。该存储部25可以由RAM、硬盘存储器、闪存等各种存储器构成。控制部10可以向存储部25写入数据，也可以从存储部25中读出数据。In addition, the self-service machine 1 further includes a storage unit 25 . The storage unit 25 can be constituted by various memories such as RAM, hard disk memory, and flash memory. The control unit 10 can write data into the storage unit 25 and can also read data from the storage unit 25 .
在自助设备1执行通常的存款交易的情况下，用户将卡插入进出卡口6，通过密码输入部4输入密码，在密码正确的情况下，用户通过操作面板2或操作按键3确认要进行存款交易，自助设备1开始存款交易处理。在存款交易时，用户根据操作面板2的显示画面的指示将货币放入存取款口7。从存取款口7放入的纸币由纸币处理机构9进行鉴别处理，鉴别为存款交易可接受的货币被收纳在自助设备1中。另外，鉴别为存款交易不可接受的货币或货币以外的其他纸张等排除物被返还至存取款口7。在用户取走被返还的排除物之后，存取款口7的开合挡板关闭，被收纳至纸张处理机构9的货币的鉴别结果被显示在操作面板2上。用户对显示的结果和放入的货币进行确认，在没有问题的情况下，通过操作面板2或操作按键3进行确认操作，自助设备1与上层系统11进行通信，存款交易成立。接着，用户通过操作面板2或操作按键3选择是否要打印示出该交易结果的凭条。在打印凭条的情况下，从凭条出口8送出打印的凭条供用户取走，之后用户通过操作面板2或操作按键3进行取卡输入。另外，在不打印凭条的情况下，不从凭条出口8送出凭条，用户直接通过操作面板2或操作按键3进行取卡输入。在用户进行了取卡输入之后，自助设备1从进出卡口6吐卡，用户取卡并结束上述一系统的操作。When the self-service device 1 performs a normal deposit transaction, the user inserts the card into the card slot 6, inputs the password through the password input part 4, and if the password is correct, the user confirms that the deposit will be made through the operation panel 2 or the operation button 3 Transaction, self-service device 1 starts deposit transaction processing. At the time of deposit transaction, the user puts money into the deposit and withdrawal port 7 according to the instructions on the display screen of the operation panel 2 . The banknotes put in from the deposit and withdrawal port 7 are authenticated by the banknote processing mechanism 9 , and the currency identified as acceptable for deposit transactions is stored in the self-service device 1 . In addition, rejects such as currency or paper other than currency identified as unacceptable for deposit transactions are returned to the deposit and withdrawal port 7 . After the user takes away the returned rejects, the opening and closing shutter of the deposit and withdrawal port 7 is closed, and the identification result of the currency stored in the paper processing mechanism 9 is displayed on the operation panel 2 . The user confirms the displayed result and the currency put in. If there is no problem, the user performs a confirmation operation through the operation panel 2 or the operation button 3, and the self-service device 1 communicates with the upper system 11, and the deposit transaction is established. Next, the user selects whether to print a receipt showing the transaction result through the operation panel 2 or the operation button 3 . In the case of printing a receipt, the printed receipt is sent out from the receipt outlet 8 for the user to take away, and then the user takes the card input through the operation panel 2 or the operation button 3 . In addition, in the case of not printing the receipt, the receipt is not sent out from the receipt outlet 8, and the user directly inputs the card through the operation panel 2 or the operation buttons 3. After the user takes the card input, the self-service device 1 spits out the card from the card-in and out port 6, and the user takes the card and ends the operation of the above-mentioned system.
但是，在上述存款交易中自助设备1从进出卡口6吐卡之后，用户有时忘记取卡。另外，在用户利用自助设备1进行的其他交易或操作时，在用户将卡插入了进出口卡6的情况下，也存在自助设备1从进出卡口6吐卡之后用户忘记取卡的情况。But, after the self-service device 1 spits out the card from the card opening 6 in the above-mentioned deposit transaction, the user sometimes forgets to take the card. In addition, when the user utilizes other transactions or operations performed by the self-service device 1, when the user inserts the card into the import and export card 6, there is also the situation that the user forgets to take the card after the self-service device 1 spits out the card from the card inlet and exit 6.
此时，为了防止卡被该用户以外的其他人取走，在吐卡后规定时间内卡没有被取走的情况下，判断为用户忘记取卡，自助设备1再次将卡从进出卡口6输送至自助设备1内来将卡回收，强制性地结束该用户的交易。At this time, in order to prevent the card from being taken away by other people other than the user, if the card is not taken away within the specified time after the card is given out, it is judged that the user has forgotten to take the card, and the self-service device 1 once again passes the card from the card slot 6 The card is reclaimed in the self-service device 1, and the user's transaction is forcibly terminated.
针对上述情况，现有的自助设备一般将忘取的卡经由读卡器收纳至位于读卡器后方的卡回收箱，由管机员或押运员等在下次轧账时等定期维护时从卡回收箱内回收被忘取的卡。在另外进行了管理所需的手续之后，由负责管理该自助设备的银行支行或回收卡管理部门对上述被回收的卡进行管理和保管。In view of the above situation, the existing self-service equipment generally stores the forgotten cards through the card reader to the card recovery box located behind the card reader, and the operator or escort will remove the card from the card during regular maintenance such as the next account rolling. Recycle forgotten cards in the recycling box. After other procedures required for management are performed, the above-mentioned recovered cards are managed and kept by the bank sub-branch or the recovered card management department in charge of managing the self-service equipment.
在忘记取卡的用户想要取走被回收的卡的情况下，需要另外联系银行的问询电话或问询处，在由银行指定的时间前往银行指定的地点，在进行了例如确认是否为用户本人等的需要手续之后，取走被回收的卡。If the user who forgot to take out the card wants to take the recovered card, he needs to contact the bank's inquiry telephone or information desk separately, go to the place designated by the bank at the time specified by the bank, and check whether it is After necessary procedures such as the user himself, the collected card is taken away.
因此，现有的自助设备在回收了被忘取的卡之后，用户不得不前往管辖该自助设备的银行支行等，并通过取卡手续等复杂的操作取卡。另一方面，自助设备的管理人员也不得不前往自助设备取走被回收的卡，并保管这些卡，在忘记取卡的用户前来取卡时，执行用于确认是否为用户本人以及返卡等的手续。这样，存在妨碍自助设备的运用效率的技术问题。Therefore, after the existing self-service equipment reclaims the forgotten card, the user has to go to the bank sub-branch etc. which governs the self-service equipment, and takes the card through complex operations such as card withdrawal procedures. On the other hand, the management personnel of the self-service equipment also have to go to the self-service equipment to take the recovered cards and keep these cards. Waiting for the procedure. In this way, there is a technical problem that hinders the operating efficiency of the self-service equipment.
针对上述技术问题，现有技术还提出了在自助设备中设置返卡器，以便提高自助设备的运用效率。图3是现有技术的自助设备的卡处理相关部分的内部结构示意图。在图3中仅示出自助设备与卡处理相关的部分，自助设备的其他部分省略图示。如图3所示，在自助设备的进出卡口106的设备内部侧设有读卡器110，在读卡器110的后方(即靠自助设备的内部侧)设有返卡器120。返卡器120中设置多个用于收纳卡的暂存器121和卡回收箱122。在该自助设备回收了该暂存器121的容量以内的卡的情况下，通过由用户在自助设备的显示画面上进行规定的返卡操作，能够向用户返还被回收的卡。其中，返卡器120和暂存器121，有时也连同卡回收箱122也可以被作为一个模块，整体称为自动返卡/退卡模块或装置。In view of the above technical problems, the prior art also proposes to install a card return device in the self-service equipment, so as to improve the utilization efficiency of the self-service equipment. Fig. 3 is a schematic diagram of the internal structure of the card processing-related parts of the self-service device in the prior art. In FIG. 3 , only the part of the self-service device related to card processing is shown, and the illustration of other parts of the self-service device is omitted. As shown in FIG. 3 , a card reader 110 is provided on the inside of the card access port 106 of the self-service device, and a card return device 120 is provided behind the card reader 110 (that is, on the inner side of the self-service device). A plurality of temporary registers 121 and card recovery boxes 122 for receiving cards are arranged in the card returning device 120 . When the self-service device collects cards within the capacity of the temporary storage 121, the user can return the collected card to the user by performing a predetermined card returning operation on the display screen of the self-service device. Wherein, the card returning device 120 and the temporary storage 121, sometimes together with the card recycling box 122, can also be used as a module, which is called an automatic card returning/returning card module or device as a whole.
但是，上述方案仍然存在以下急需解决的技术问题。However, the above solution still has the following technical problems that need to be solved urgently.
例如，在上述自助设备回收了超过暂存器121的容量的卡的情况下，还是只能将卡回收至位于读卡器110后方的卡回收箱122。自助设备的管理人员还是不得不前往自助设备取走被回收至卡回收箱122的卡，并保管这些卡，需要人工对被回收的卡进行处理，存在管理人员操作失误或非法操作的危险。而且在这种情况下，忘记取卡的用户还是不得不前往原自助设备进行上述规定的返卡操作。如果在用户前往该自助设备进行返卡操作之前，自助设备的管理人员已经通过定期回收处理将该自助设备回收的卡取走，则用户又只能前往管辖该自助设备的银行等进行取卡手续等复杂的操作取卡。For example, when the above-mentioned self-service equipment recovers cards exceeding the capacity of the temporary storage 121 , the cards can only be recovered to the card recovery box 122 located behind the card reader 110 . The management personnel of the self-service equipment still have to go to the self-service equipment to take away the cards recovered to the card recovery box 122 and keep these cards. The recovered cards need to be processed manually, which may cause the management personnel to operate incorrectly or operate illegally. And in this case, the user who forgets to take out the card still has to go to the original self-service device to perform the above-mentioned return card operation. If before the user goes to the self-service device to return the card, the manager of the self-service device has taken away the card recovered by the self-service device through regular recycling, then the user can only go to the bank in charge of the self-service device to take the card. And other complicated operations to get the card.
而且，特别是，返卡器120中用于收纳卡的暂存器121大多采用上下移动构造，暂存器121的容量在原理上受限于从进出卡口6到读卡器110底面的距离。一般而言，暂存器121的容量只能容纳5张左右的卡，这种程度的回收效率难以满足实际需要。And, especially, the temporary storage 121 that is used to receive the card in the card returning device 120 mostly adopts the structure of moving up and down, and the capacity of the temporary storage 121 is limited in principle from the distance from the card-in and out slot 6 to the bottom surface of the card reader 110. . Generally speaking, the capacity of the temporary storage 121 can only accommodate about 5 cards, and the recovery efficiency of this level is difficult to meet the actual needs.
以下具体说明本发明的自助设备1中关于卡处理的结构。图4是本发明所设计的自助设备的内部结构示意图。在图4中，各结构的设置位置及形状仅为示意，并不作为对本发明的限定，在实际中可以根据情况采用各种适当的设置位置及形状。另外，对于纸币处理机构9等内部机构省略说明。如图4所示，自助设备1在前表面配置有用于取入或送出磁卡或IC卡等卡介质的进出卡口6。从进出卡口6向自助设备1的内部侧，依次配置有读卡器(MCU)30、发卡器40和卡无效化装置50。其中，读卡器30、发卡器40和卡无效化装置50的顺序可以是任意的，不限定于上述顺序。另外，在此将读卡器30、发卡器40和卡无效化装置50作为彼此独立的结构进行说明，但也可以将其中任意两个以上的结构一体化。其中，上述结构和配置顺序能够使输送机构最小化，因此在此以上述结构和配置顺序为例进行说明。The structure related to card processing in the self-service machine 1 of the present invention will be specifically described below. Fig. 4 is a schematic diagram of the internal structure of the self-service equipment designed in the present invention. In FIG. 4 , the installation positions and shapes of each structure are only for illustration, and are not intended to limit the present invention. In practice, various appropriate installation positions and shapes can be adopted according to the situation. In addition, description of internal mechanisms such as the banknote handling mechanism 9 is omitted. As shown in FIG. 4 , the front surface of the self-service device 1 is provided with an inlet and outlet slot 6 for taking in or sending out card media such as magnetic cards or IC cards. A card reader (MCU) 30 , a card issuer 40 , and a card invalidation device 50 are disposed in this order from the card entrance 6 to the inside of the self-service machine 1 . Wherein, the order of the card reader 30 , the card issuer 40 and the card invalidation device 50 may be arbitrary, and is not limited to the above order. In addition, although the card reader 30, the card issuer 40, and the card invalidation apparatus 50 are demonstrated as mutually independent structures here, any two or more structures among these may be integrated. Wherein, the above-mentioned structure and arrangement sequence can minimize the conveying mechanism, so the above-mentioned structure and arrangement sequence are taken as an example for description.
图5是本发明的自助设备中关于卡处理的结构的截面示意图。在图5中，示出沿与自助设备1的进出卡口6的横向垂直的平面将自助设备1中关于卡处理的结构截断而得到的截面，自助设备1的其他结构省略。在图5中，左侧为进出卡口6侧，右侧为自助设备1的内部侧。图5中各结构的位置、数量和配置关系仅为一例，不用于限定本发明。以下说明读卡器30、发卡器40和卡无效化装置50所具备的卡输送路径沿着同一条直线依次连通的例子。Fig. 5 is a schematic cross-sectional view of a structure related to card processing in the self-service device of the present invention. In FIG. 5 , a cross-section obtained by truncating the card processing structure in the self-service device 1 along a plane perpendicular to the transverse direction of the entrance and exit bayonet 6 of the self-service device 1 is shown, and other structures of the self-service device 1 are omitted. In FIG. 5 , the left side is the entrance and exit bayonet 6 side, and the right side is the inner side of the self-service device 1 . The position, quantity and arrangement relationship of each structure in Fig. 5 are just an example, and are not used to limit the present invention. Hereinafter, an example in which the card reader 30, the card issuer 40, and the card conveyance path included in the card invalidation device 50 are sequentially connected along the same straight line will be described.
如图5所示，读卡器30设有进出卡部31，供卡从进出卡口6插入或向进出卡口6送出。其中，进出卡部31也可以是进出卡口6所在的位置，而并不设置独立的部件。从进出卡部31设有用于在读卡器30内部输送卡的卡输送路径32。在读卡器30中，还设有用于提供对卡输送路径32上的卡进行输送的驱动力的多个驱动辊(驱动滚轮)33、用于检测卡位于卡输送路径32上的哪个位置的多个卡检测传感器34、用于读取磁卡信息的磁头35、用于读取IC卡信息的IC触点36、用于将卡从读卡器30的右侧(自助设备1的内部侧)送出的卡送出部37、以及对读卡器30的上述各结构进行控制的控制部等(未图示)。其中，卡输送路径32能够双向输送卡，在卡输送路径32向自助设备1的外部侧输送卡的情况下，卡送出部37作为卡的入口发挥作用，进出卡部31作为卡的出口发挥作用。As shown in FIG. 5 , the card reader 30 is provided with a card entry and exit portion 31 for inserting a card from the entry and exit opening 6 or sending a card to the entry and exit opening 6 . Wherein, the card access part 31 may also be the position where the card slot 6 is located, and no independent components are provided. A card conveyance path 32 for conveying a card inside the card reader 30 is provided from the card in/out unit 31 . In the card reader 30, there are also a plurality of drive rollers (drive rollers) 33 for providing a driving force for conveying the cards on the card conveying path 32, and multiple rollers for detecting where the card is located on the card conveying path 32. A card detection sensor 34, a magnetic head 35 for reading magnetic card information, an IC contact 36 for reading IC card information, and a card is sent out from the right side of the card reader 30 (the inner side of the self-service device 1) The card delivery part 37 of the card reader 30, the control part etc. which control the above-mentioned each structure of the card reader 30 etc. (not shown). Wherein, the card transport path 32 can transport cards in both directions. When the card transport path 32 transports the card to the outside of the self-service device 1, the card delivery unit 37 functions as a card entrance, and the card entry and exit unit 31 functions as a card exit. .
发卡器40设置于读卡器30的右侧(自助设备1的内部侧)。发卡器40设有进出卡部41，供卡从读卡器30的卡送出部37插入或向读卡器30送出。从进出卡部41设有用于在发卡器40内部输送卡的卡输送路径42。在发卡器40中，还设有用于提供对卡输送路径42上的卡进行输送的驱动力的多个驱动辊43、用于检测卡位于卡输送路径42上的哪个位置的多个卡检测传感器(省略图示)、用于保管新卡的卡暂存器44、作为用于检测卡暂存器44中保管的卡的余量是否为空的卡余量检测机构的空检测传感器45、从卡暂存器44向卡输送路径42送出新卡的卡发放部46、用于将卡从发卡器40的右侧(自助设备1的内部侧)送出的卡送出部47、以及对发卡器40的上述各结构进行控制的控制部等(未图示)。所述卡余量检测机构不限于空检测传感器，可以是能够检测卡暂存器44中卡的余量的任意机构。The card issuer 40 is provided on the right side of the card reader 30 (inside the self-service device 1 ). The card issuer 40 is provided with a card entry and exit section 41 for inserting a card from the card delivery section 37 of the card reader 30 or sending a card to the card reader 30 . A card conveyance path 42 for conveying a card inside the card issuer 40 is provided from the card in/out unit 41 . In the card issuer 40, there are also a plurality of drive rollers 43 for providing a driving force for transporting the cards on the card transport path 42, and a plurality of card detection sensors for detecting where the card is located on the card transport path 42. (illustration omitted), a card temporary storage 44 for storing a new card, an empty detection sensor 45 as a card remaining amount detection mechanism for detecting whether the remaining amount of a card stored in the card temporary storage 44 is empty, from The card temporary storage 44 sends out the card sending part 46 of new card to the card conveyance path 42, is used for the card sending part 47 that card is sent out from the right side (the inner side of self-service equipment 1) of card issuing device 40, and the opposite card issuing device 40. A control unit and the like (not shown) that control each of the above-mentioned configurations. The remaining card amount detection mechanism is not limited to an empty detection sensor, and may be any mechanism capable of detecting the remaining amount of cards in the card temporary storage 44 .
卡无效化装置50设置于发卡器40的右侧(自助设备1的内部侧)。卡无效化装置50设有卡插入部51，供卡从发卡器40的卡送出部47插入。从卡插入部51设有用于在卡无效化装置50内部输送卡的卡输送路径52。在卡无效化装置50中，还设有用于提供对卡输送路径52上的卡进行输送的驱动力的驱动辊55、用于检测卡位于卡输送路径52上的哪个位置的多个卡检测传感器53、用于破坏卡中记录并保存信息的部分的破坏机构54、向回收箱57排出卡或卡部分的卡排出部56、用于收纳被排出的卡或卡部分的回收箱57、以及对卡无效化装置50的上述各结构进行控制的控制部等(未图示)。破坏机构54例如以切断、熔化、打孔、通电、弯折等物理性方式破坏卡中记录并保存信息的部分。其中，回收箱57不仅可以如上所述配置在卡无效化装置50的内部，也可以与卡无效化装置50独立地设置在卡无效化装置50的右侧(自助设备1的内部侧)。The card invalidation device 50 is installed on the right side of the card issuer 40 (inside the self-service device 1 ). The card invalidation device 50 is provided with a card insertion portion 51 into which a card is inserted from the card delivery portion 47 of the card issuer 40 . A card transport path 52 for transporting a card inside the card invalidation device 50 is provided from the card insertion portion 51 . In the card invalidation device 50, a drive roller 55 for providing a driving force for transporting the card on the card transport path 52, and a plurality of card detection sensors for detecting where the card is located on the card transport path 52 are also provided. 53. A destroying mechanism 54 for destroying a part of the card that records and preserves information, a card discharge unit 56 for discharging a card or a part of a card to a recovery box 57, a recovery box 57 for storing the discharged card or a part of the card, and A control unit and the like (not shown) that control each of the above-mentioned components of the card invalidation device 50 . The destruction mechanism 54 physically destroys the part of the card where information is recorded and stored, for example, by cutting, melting, punching, energizing, or bending. Wherein, the collection box 57 can not only be arranged inside the card invalidation device 50 as described above, but also can be installed independently from the card invalidation device 50 on the right side of the card invalidation device 50 (inside the self-service device 1 ).
在此，作为卡中记录并保存信息的部分，在磁卡的情况下可以是磁保持部(例如磁条)，在IC卡的情况下可以是IC部，可以根据卡的种类而不同，在此不做限定。Here, as the part of recording and storing information in the card, it may be a magnetic holding part (such as a magnetic stripe) in the case of a magnetic card, or it may be an IC part in the case of an IC card, which may be different according to the type of card. No limit.
以下具体说明本发明的补发卡处理。另外，在发行新的卡的情况下也可以酌情适用下述流程。The card replacement process of the present invention will be described in detail below. In addition, when issuing a new card, the following procedures may be applied as appropriate.
如上所述，在存款交易中自助设备1从进出卡口6吐卡之后，用户有时忘记取卡。另外，在用户利用自助设备1进行的其他交易或操作时，在用户将卡插入了进出口卡6的情况下，也存在自助设备1从进出卡口6吐卡之后用户忘记取卡的情况。As mentioned above, after the self-service device 1 spits out the card from the card slot 6 in the deposit transaction, the user sometimes forgets to take the card. In addition, when the user utilizes other transactions or operations performed by the self-service device 1, when the user inserts the card into the import and export card 6, there is also the situation that the user forgets to take the card after the self-service device 1 spits out the card from the card inlet and exit 6.
此时，为了防止卡被该用户以外的其他人取走，在吐卡后规定时间内卡没有被取走的情况下，判断为用户忘记取卡，自助设备1再次将卡从进出卡口6输送至自助设备1内来将卡回收，强制性地结束该用户的交易。At this time, in order to prevent the card from being taken away by other people other than the user, if the card is not taken away within the specified time after the card is given out, it is judged that the user has forgotten to take the card, and the self-service device 1 once again passes the card from the card slot 6 The card is reclaimed in the self-service device 1, and the user's transaction is forcibly terminated.
具体而言，读卡器30如果检测到在吐卡后规定时间内用户的卡没有被取走，则使驱动辊33动作，开始卡的回收动作，使卡在卡输送路径32内移动到用户无法操作的位置。并且，读卡器30将回收卡信息记录在自助设备1的控制部10中。其中，回收卡信息是用于识别被回收的卡的信息，例如是卡号信息等。另外，回收卡信息不限于记录在控制部10中，也可以记录在存储部25等自助设备1的其他部件中。另外，回收卡信息也可以不记录在自助设备1中。Specifically, if the card reader 30 detects that the user's card has not been taken away within a predetermined time after the card is ejected, the driving roller 33 is activated to start the recovery operation of the card, and the card is moved to the user in the card conveying path 32. inoperable position. And, the card reader 30 records the collected card information in the control unit 10 of the self-service device 1 . Wherein, the recycled card information is information used to identify the recycled card, such as card number information and the like. In addition, the collected card information is not limited to be recorded in the control unit 10 , and may be recorded in other components of the self-service machine 1 such as the storage unit 25 . In addition, the recycling card information may not be recorded in the self-service device 1 .
接着，自助设备1例如由控制部10经由发送部13向上层系统11通知回收卡信息。上层系统11接收回收卡信息，并针对与该回收卡信息建立了关联的账户，进行用于禁止该卡的交易的处理等回收卡禁用处理，并进行记录。另外，上层系统11也可以冻结与该回收卡信息建立了关联的账户本身。Next, the self-service device 1 notifies the high-level system 11 of the collected card information from the control unit 10 via the transmission unit 13 , for example. The upper-level system 11 receives the collected card information, and performs a recycled card disabling process, such as processing for prohibiting the transaction of the card, for the account associated with the collected card information, and records it. In addition, the upper-level system 11 may also freeze the account itself associated with the recycled card information.
接着，上层系统11将包含上述处理的结果通知信息等信息的回收卡已禁用通知发送给自助设备1。其中，回收时处理信息例如是由用户或银行针对该卡预先设定的信息，表示该卡被回收时应如何处理、例如应被废弃还是回收的信息。另外，上层系统11也可以不向自助设备1发送上述信息。Next, the upper-level system 11 sends the card recycling disabled notification including the result notification information of the above-mentioned processing to the self-service device 1 . Wherein, the processing information at the time of recycling is, for example, information preset by the user or the bank for the card, indicating how the card should be handled when it is recycled, for example, whether it should be discarded or recycled. In addition, the upper-level system 11 may not send the above-mentioned information to the self-service device 1 .
接着，自助设备1在从上层系统11接收了上述回收卡已禁用通知时，开始将读卡器30的卡输送路径32上的卡向读卡器30后方(自助设备1的内部侧)移动。其中，在上层系统11不向自助设备1通知上述回收卡已禁用通知的情况下，自助设备1也可以将完成发送上述卡回收信息作为触发，开始将读卡器30的卡输送路径32上的卡向读卡器30后方(自助设备1的内部侧)移动。Next, self-service device 1 starts to move the card on the card conveying path 32 of card reader 30 to the rear of card reader 30 (inside self-service device 1 ) when receiving the above-mentioned recovery card disabled notification from upper-level system 11 . Wherein, in the case where the upper system 11 does not notify the self-service device 1 of the above-mentioned recovery card disabled notification, the self-service device 1 may also use the completion of sending the above-mentioned card recovery information as a trigger to start sending the card reader 30 on the card delivery path 32. The card moves toward the rear of the card reader 30 (inside the self-service device 1).
接着，自助设备1使卡经过位于读卡器30后方的发卡器40内的卡输送路径42，移动至卡无效化装置50，根据回收卡已禁用通知内的回收时处理信息，对卡进行物理性无效化处理。例如，在回收时处理信息为废弃的情况下，卡无效化装置50利用破坏机构54将卡的信息记录部分破坏并进行输送。另外，在回收时处理信息为回收的情况下，卡无效化装置50不对卡进行破坏，而输送被进行了上述回收卡禁用处理的卡。另外，自助设备1也可以不利用回收卡已禁用通知内的回收时处理信息，而利用其他手段从上层系统11通知回收时处理信息。另外，也可以不利用上层系统11通知的回收时处理信息，而利用预先设定在自助设备1中、例如控制部10中的回收时处理信息。Then, the self-service equipment 1 makes the card pass through the card conveying path 42 in the card issuer 40 positioned at the rear of the card reader 30, and moves to the card invalidation device 50, and physically checks the card according to the processing information during recovery in the recovery card disabled notification. Sexual nullification. For example, when the processing information is discarded at the time of collection, the card invalidation device 50 destroys the information recording part of the card by the destruction mechanism 54 and transports it. In addition, when the processing information at the time of collection is collection, the card invalidation device 50 does not destroy the card, but transports the card on which the above-mentioned collection card prohibition process was performed. In addition, the self-service device 1 may not use the recycling processing information in the notification that the recycling card is disabled, but use other means to notify the recycling processing information from the upper-level system 11 . In addition, instead of using the handling information at the time of collection notified by the upper-level system 11 , the handling information at the time of collection previously set in the self-service device 1 , for example, in the control unit 10 may be used.
卡在被进行了上述物理性无效化处理之后，经过卡无效化装置50的卡输送路径52，通过卡排出部56向回收箱57排出，并保管在回收箱57中。其中，回收箱可以按用途设置多个。例如，可以设置用于回收被进行了物理性破坏处理的卡的回收箱、以及用于回收没有被进行物理性破坏处理的卡的回收箱等。另外，也可以按磁卡和IC卡等卡的不同形态分别设置回收箱。另外，也可以按本银行发行的卡和其他银行发行的卡等不同发卡行分别设置回收箱。另外，也可以按借记卡和信用卡等卡的不同类型分别设置回收箱。另外，也可以组合上述卡有无被物理性破坏、卡的不同形态、不同发卡行、卡的不同类型中的两种以上分别设置回收箱。这些情况下的回收时处理信息既可以从上层系统11通知，也可以利用预先设定在自助设备1中的回收时处理信息。After the card has been subjected to the above-mentioned physical invalidation process, it passes through the card transport path 52 of the card invalidation device 50 , is discharged to the collection box 57 by the card discharge unit 56 , and is stored in the collection box 57 . Wherein, a plurality of recycle bins can be provided according to purposes. For example, a collection box for collecting cards that have been physically destroyed, a collection box for collecting cards that have not been physically destroyed, and the like may be provided. In addition, collection boxes may be provided for different forms of cards such as magnetic cards and IC cards. In addition, recycling bins can also be set up for different card issuing banks such as cards issued by the bank and cards issued by other banks. In addition, you can also set up collection boxes for different types of cards such as debit cards and credit cards. In addition, it is also possible to combine two or more of the above-mentioned cards whether they are physically damaged, different forms of cards, different card issuers, and different types of cards to set recycling boxes separately. The processing information at the time of collection in these cases may be notified from the upper-level system 11, or the processing information at the time of collection previously set in the self-service device 1 may be used.
由此，不需要利用人力回收被忘取的卡，能够防止操作人员在回收卡时的操作失误和非法操作、以及其他人非法回收卡。Thereby, it is not necessary to use manpower to recover the forgotten card, and it is possible to prevent operator's misoperation and illegal operation when recovering the card, and other people's illegal recovery of the card.
之后，意识到忘记取卡的用户前往卡被遗忘的该自助设备1，例如按下自助设备1的操作面板2上显示的按钮或操作按键3，通过补发卡申请画面对申请补发该忘取的卡的内容进行操作。此时，自助设备1参照发卡器40预先记录的卡余量信息。其中，在由空检测传感器45检测出卡暂存器44中的卡的余量为空的情况下，该卡余量信息表示卡余量为空的状态。在由空检测传感器45检测出卡暂存器44中的卡仍有余量的情况下，该卡余量信息表示卡余量不为空的状态。在卡余量信息表示空的情况下，自助设备1在上述画面上显示无法补发卡，不补发卡而结束上述处理。Afterwards, realize that the user who has forgotten to take the card goes to the self-service device 1 where the card is forgotten, for example, presses the button displayed on the operation panel 2 of the self-service device 1 or the operation button 3, and applies for reissuing the forgotten card through the reissue card application screen. Operate the content of the card you have retrieved. At this time, the self-service device 1 refers to the card remaining amount information recorded in advance by the card issuer 40 . However, when the remaining amount of the card in the card buffer 44 is detected to be empty by the empty detection sensor 45, the remaining amount of the card information indicates the state that the remaining amount of the card is empty. When it is detected by the empty detection sensor 45 that there is still a remaining amount of cards in the card buffer 44 , the remaining card amount information indicates that the remaining amount of the card is not empty. When the remaining amount information of the card indicates that it is empty, the self-service device 1 displays that the card cannot be reissued on the above-mentioned screen, and ends the above-mentioned process without reissuing the card.
在卡余量信息表示卡余量不为空的状态的情况下，自助设备1在上述画面上显示能够补发卡，并在上述补发卡申请画面上进行显示，以引导用户输入补发卡信息，例如识别信息和本人认证信息，另外还可以包括初始设定信息等信息。作为识别信息，例如有原卡号或账户号等。作为本人认证信息，例如有该卡或账户的密码、指纹或静脉图案等生物体认证信息、身份证信息等。作为初始设定信息，例如有新卡的回收时处理信息的登记等。用户根据引导，通过操作面板2或操作按键3，输入识别信息、本人认证信息、初始设定信息等信息。其中，识别信息和本人认证信息一般必须输入，初始设定信息可以预先决定其初始值(初始设定)，并通过回收时处理信息的设定操作进行变更。关于回收时处理信息的设定操作留待后述。When the card balance information indicates that the card balance is not empty, the self-service device 1 displays that the card can be reissued on the above-mentioned screen, and displays it on the above-mentioned reissue card application screen to guide the user to input a reissue card information, such as identification information and personal authentication information, and may also include information such as initial setting information. As the identification information, there are, for example, an original card number, an account number, and the like. As personal authentication information, there are, for example, the password of the card or account, biometric authentication information such as fingerprints or vein patterns, ID card information, and the like. As the initial setting information, there is, for example, registration of processing information at the time of collection of a new card, and the like. The user inputs information such as identification information, personal authentication information, and initial setting information through the operation panel 2 or the operation buttons 3 according to the guidance. Among them, the identification information and personal authentication information generally must be input, and the initial setting information can have its initial value (initial setting) determined in advance, and can be changed through the setting operation of the disposal information at the time of collection. The setting operation of processing information at the time of recycling will be described later.
另外，在发卡器40内也可以设置多个卡暂存器44，并且设置能够从多个卡暂存器44中选择送出卡的卡暂存器44的卡选择机构(未图示)。另外，也可以设置多个发卡器40，成为能够发行多种卡的构造，自助设备1在上述补发卡申请画面上显示当前能够发行的卡的种类，供用户输入补发卡的种类等补发卡种类信息。其中，针对由上述卡余量信息示出卡余量为空的卡种类，设为用户无法输入补发卡种类信息。In addition, a plurality of card registers 44 may be provided in the card issuer 40, and a card selection mechanism (not shown) capable of selecting a card register 44 to send out a card from among the plurality of card registers 44 may be provided. In addition, a plurality of card issuers 40 can also be provided to form a structure capable of issuing multiple cards. The self-service device 1 displays the types of cards that can be issued currently on the above-mentioned reissue card application screen, and allows the user to input the type of card to be reissued. Card type information. However, it is assumed that the user cannot input reissued card type information for a card type whose card remaining amount is shown to be empty by the above-mentioned card remaining amount information.
另外，以上说明了意识到忘记取卡的用户前往卡被遗忘的该自助设备1进行操作，但在设置了多个具有上述结构的自助设备的情况下，也可以在与卡被遗忘的该自助设备1不同的自助设置上进行同样的处理以补发卡。例如在外出地点等忘记取卡的情况下，用户也可以在任意的时间前往最近的自助设备进行操作以补发卡，大大提高了方便性。In addition, the above has explained that the user who realizes that he has forgotten to take the card goes to the self-service device 1 where the card is forgotten to operate, but in the case of a plurality of self-service devices with the above-mentioned structure, it is also possible to operate at the self-service device 1 where the card is forgotten. The same process is performed on different self-service settings of device 1 to reissue the card. For example, in the case of forgetting to take out the card when going out, the user can also go to the nearest self-service device to reissue the card at any time, which greatly improves the convenience.
自助设备1也可以将该用户的补发卡信息以及作为自助设备1的固有识别信息的设备ID、操作时刻等补发卡申请信息向控制部10等记录，并且向上层系统11通知。上层系统11在接收了上述信息的情况下，根据识别信息来识别被回收的卡，针对该卡确认是否已进行了回收卡禁用处理。在针对该卡尚未进行回收卡禁用处理的情况下，上层系统11向自助设备1通知不能申请补发卡，自助设备1在操作面板2上显示用户输入的识别信息有误，并结束补发卡申请的处理，或者再次在补发卡申请画面上供用户输入补发卡信息。The self-service device 1 may also record the user's card reissue information and card reissue application information such as the device ID as the unique identification information of the self-service device 1, operation time, etc. to the control unit 10 and notify the higher-level system 11. When the upper-level system 11 receives the above-mentioned information, it identifies the recovered card based on the identification information, and confirms whether the recovered card prohibition process has been performed for the card. In the case that the recovery card has not been disabled for the card, the upper system 11 notifies the self-service device 1 that it cannot apply for reissuance of the card, and the self-service device 1 displays on the operation panel 2 that the identification information entered by the user is incorrect, and ends the reissuance of the card Processing of the application, or on the reissue card application screen for the user to input the reissue card information again.
另外，无论有没有进行上述回收卡禁用处理，上层系统11在接收到上述补发卡申请信息时，记录该补发卡申请信息，并且向持有通过识别信息确定的卡的用户，利用短信息或邮件等方法通知该卡被进行了补发卡申请一事，作为补发卡申请记录通知。其中，该补发卡申请信息既可以记录在自助设备1的例如控制部10或存储部25等部件中，也可以记录在上层系统11中。由此，万一有人恶意操作进行补发卡申请，持有该卡的用户也能够得知该情况，另外银行也能够确定被操作的自助设备1、设置该自助设备1的地点以及进行了恶意操作的人，并实施适当的处理。另外，在用户不担心上述非法操作的情况下，银行也可以不向用户进行上述补发卡申请记录通知。In addition, regardless of whether the above-mentioned recovery card prohibition process is performed or not, when the upper-level system 11 receives the above-mentioned reissue card application information, it will record the reissue card application information, and send a short message to the user who holds the card identified by the identification information. Notify the card that the card has been reissued by means of mail or email, and serve as a notification of the card reissuance application record. Wherein, the reissuing card application information can be recorded in components such as the control unit 10 or the storage unit 25 of the self-service device 1 , or can be recorded in the upper-level system 11 . Thus, in case someone maliciously operates to apply for a reissuing card, the user who holds the card can also know the situation, and the bank can also determine the operated self-service device 1, the place where the self-service device 1 is installed, and the malicious operation of the self-service device 1. operating person and implement appropriate treatment. In addition, if the user is not worried about the above-mentioned illegal operation, the bank may not notify the user of the above-mentioned reissuing card application record notification.
在根据上述识别信息识别出的卡已经被进行了上述回收卡禁用处理的情况下，上层系统11向用户进行上述补发卡申请记录通知，并且对照输入的本人认证信息是否与该识别信息对应。在本人认证信息与识别信息对应的情况下，上层系统11向自助设备1发送补发卡申请信息和表示能够补发卡的状态信息等作为能否补发卡通知，在不对应的情况下，上层系统11向自助设备1发送补发卡申请信息和表示不能补发卡的状态信息等作为能否补发卡通知。In the case that the card identified according to the above identification information has been subjected to the process of disabling the recovered card, the upper layer system 11 notifies the user of the application record for reissuing the card, and checks whether the input personal authentication information corresponds to the identification information. In the case that the personal authentication information corresponds to the identification information, the upper-level system 11 sends the card reissue application information and the status information indicating that the card can be reissued to the self-service device 1 as a notification of whether the card can be reissued. The upper layer system 11 sends to the self-service device 1 the application information for reissuing the card and the status information indicating that the card cannot be reissued, etc. as a notification of whether to reissue the card.
自助设备1根据上述能否补发卡通知，在上述本人认证信息与识别信息对应的情况下，进行补发卡处理，在上述本人认证信息与识别信息不对应的情况下，在操作面吧2上显示本人认证信息有误，并结束补发卡申请的处理，或者再次在补发卡申请画面上供用户输入补发卡信息。The self-service device 1 performs card reissuance processing if the above-mentioned personal authentication information corresponds to the identification information according to the above-mentioned notification of whether the card can be reissued. It will display that the identity verification information is incorrect, and end the processing of the reissuing card application, or allow the user to input the reissuing card information on the reissuing card application screen again.
接着说明补发卡处理。Next, the replacement card processing will be described.
自助设备1从发卡器40的卡暂存器44将新卡输送至读卡器30，读卡器30从该新卡的卡信息记录部分读取并记录卡信息。自助设备1将上述新卡的卡信息、自助设备1的设备ID、动作时刻等发卡信息向控制部10等部件记录并且向上层系统11发送。上层系统11在接收到发卡信息时，记录该发卡信息，并且将该新卡的卡信息与上层系统11所保持的对应于该补发卡申请信息的账户信息建立关联。在此，上层系统11保持账户信息，指的是上层系统11存储并管理该账户信息。以后，该新卡的卡信息被用作与该账户信息对应的合法的卡信息。另外，在如上所述已经将该账户冻结的情况下，此时将该账户变更为能够使用的状态。The self-service device 1 sends a new card from the card temporary storage 44 of the card issuer 40 to the card reader 30, and the card reader 30 reads and records the card information from the card information recording part of the new card. The self-service device 1 records the above-mentioned card information of the new card, the device ID of the self-service device 1 , the operating time and other card issuance information to the control unit 10 and other components and sends it to the higher-level system 11 . When the upper-level system 11 receives the card-issuing information, it records the card-issuing information, and associates the card information of the new card with the account information held by the upper-level system 11 corresponding to the reissuing card application information. Here, the upper-level system 11 holds account information means that the upper-level system 11 stores and manages the account information. Thereafter, the card information of the new card is used as valid card information corresponding to the account information. In addition, in the case where the account has already been frozen as described above, the account is changed to a usable state at this time.
上层系统11在完成了上述关联处理之后，向自助设备1发送关联处理完成通知等作为补发卡处理结束信息。另外，在上述关联处理之后，也可以对持有通过上述识别信息确定的卡的用户，利用短信息或邮件等方法通知已补发卡，作为补发卡完成记录通知。After the upper-level system 11 completes the above-mentioned association processing, it sends a notification of completion of the association processing to the self-service device 1 as the completion information of the reissuing card processing. In addition, after the above-mentioned association processing, the user holding the card identified by the above-mentioned identification information can also be notified that the card has been reissued by means of short message or email, as a notification of completion of the reissue card record.
自助设备1在接收到补发卡处理结束信息之后，将新卡从读卡器30输送至进出卡口6供用户取走新卡，并且在操作面板2上进行显示以提醒用户取卡。用户将该新卡取走之后，上述处理结束。After the self-service device 1 receives the message that the reissuing card process ends, the new card is transported from the card reader 30 to the entrance and exit port 6 for the user to take away the new card, and is displayed on the operation panel 2 to remind the user to take the card. After the user takes the new card away, the above processing ends.
在此说明回收时处理信息的设定操作。用户可以在任意时间通过自助设备1进行操作，对表示该用户正持有的卡被回收时应该怎样处理的回收时处理信息变更设定。Here we explain how to set processing information at the time of recycling. The user can operate through the self-service device 1 at any time to change the setting of the processing information at the time of collection indicating how the card held by the user should be processed when the card is collected.
具体而言，用户在希望变更回收时处理信息的设定时，将卡插入自助设备1的进出卡口6，例如通过密码输入部5输入密码。在完成了本人确认对照之后，用户例如按下自助设备1的操作面板2上显示的按钮或操作按键3，通过回收时处理信息变更申请画面对申请变更回收时处理信息的内容进行操作。自助设备1将该卡的卡信息、作为自助设备1的固有识别信息的设备ID、操作时刻、变更后的回收时处理信息等作为回收时处理信息变更申请信息向控制部10等记录，并且向上层系统11通知。Specifically, when the user wants to change the setting of processing information at the time of collection, the user inserts the card into the card slot 6 of the self-service machine 1, and inputs a password through the password input unit 5, for example. After the identity verification is completed, the user, for example, presses the button displayed on the operation panel 2 of the self-service device 1 or the operation button 3 to apply for changing the contents of the recycling handling information through the recycling processing information change application screen. The self-service device 1 records the card information of the card, the device ID as the unique identification information of the self-service device 1, the operation time, the changed processing information at the time of recycling, etc. as the processing information change application information at the time of recycling to the control unit 10, etc., and upward Layer system 11 notifications.
上层系统11在接收了上述信息的情况下，根据卡信息来识别卡，针对该卡确认是否已进行了回收卡禁用处理。在针对该卡进行了回收卡禁用处理的情况下，上层系统11向自助设备1通知不能申请变更回收时处理信息，自助设备1在操作面板2上显示用户插入的卡被禁用，并结束回收时处理信息变更申请的处理。此时，既可以将用户插入的卡回收，也可以返还给用户。When the upper-level system 11 receives the above-mentioned information, it identifies the card based on the card information, and confirms whether the recovery card prohibition process has been performed for the card. In the case that the recycling card is disabled for the card, the upper system 11 notifies the self-service device 1 that it cannot apply for changing the recycling processing information, and the self-service device 1 displays on the operation panel 2 that the card inserted by the user is disabled, and ends the recycling Handle the processing of information change requests. At this time, the card inserted by the user can be recovered or returned to the user.
另外，无论有没有进行上述回收卡禁用处理，上层系统11在接收到上述回收时处理信息变更申请信息时，记录该回收时处理信息变更申请信息，并且向持有通过卡信息确定的卡的用户，利用短信息或邮件等方法通知该卡被进行了回收时处理信息变更申请一事，作为回收时处理信息变更申请记录通知。其中，该回收时处理信息变更申请信息既可以记录在自助设备1的例如控制部10或存储部25等部件中，也可以记录在上层系统11中。由此，万一有人恶意操作进行回收时处理信息变更申请，持有该卡的用户也能够得知该情况，另外银行也能够确定被操作的自助设备1、设置该自助设备1的地点以及进行了恶意操作的人，并实施适当的处理。另外，在用户不担心上述非法操作的情况下，银行也可以不向用户进行上述回收时处理信息变更申请记录通知。In addition, regardless of whether the above-mentioned recovery card prohibition process is performed or not, when the upper-level system 11 receives the above-mentioned application information for changing the processing information at the time of recycling, it records the application information for changing the processing information at the time of recycling, and sends a message to the user who holds the card identified by the card information. , using methods such as SMS or email to notify the card of the application for change of processing information when it is recycled, as a record notification of processing information change application for recycling. Wherein, the processing information change application information at the time of recycling can be recorded in components such as the control unit 10 or the storage unit 25 of the self-service device 1 , or can be recorded in the upper-level system 11 . Thus, just in case someone maliciously operates the information change application when recycling, the user who holds the card can also know the situation, and the bank can also determine the operated self-service device 1, the place where the self-service device 1 is installed, and how to proceed. malicious actions and implement appropriate action. In addition, if the user is not worried about the above-mentioned illegal operation, the bank may not notify the user of the above-mentioned change application record of processing information when recycling.
在根据上述卡信息识别出的卡未被进行上述回收卡禁用处理的情况下，上层系统11向用户进行上述回收时处理信息变更申请记录通知，并且将与该卡信息建立了关联的回收时处理信息变更为上述变更后的回收时处理信息并进行记录。在进行了上述回收时处理信息变更处理之后，上层系统11向自助设备1发送上述处理的结果通知信息等作为回收时处理信息变更处理完成通知。自助设备1在接收到上述回收时处理信息变更处理完成通知时，在操作面板2上显示回收时处理信息变更完成，结束上述一系列处理。另外，在与上述回收时处理信息变更申请记录通知同样地向用户进行了回收时处理信息变更处理完成通知的情况下，上层系统11也可以不向自助设备1发送上述回收时处理信息变更处理完成通知。If the card identified according to the above card information has not been subjected to the above-mentioned recycling card prohibition processing, the upper-level system 11 notifies the user of the above-mentioned processing information change application record at the time of recycling, and the processing at the time of recycling associated with the card information The information is changed to the processing information at the time of collection after the above change and recorded. After performing the change processing of the handling information at the time of recycling, the upper-level system 11 sends the result notification information of the above processing to the self-service device 1 as a notification of completion of the changing processing of the handling information at the time of recycling. When the self-service device 1 receives the notification of completion of the change of processing information at the time of recycling, it displays on the operation panel 2 that the change of processing information at the time of recycling is completed, and ends the above-mentioned series of processes. In addition, in the case where a notification of the completion of the change of the handling information at the time of collection is sent to the user similarly to the above-mentioned notice of change of the handling information at the time of collection, the upper-level system 11 does not need to send the above-mentioned completion of the change of the handling information at the time of collection to the self-service device 1 . Notice.
(变形例)(Modification)
以上说明了自助设备1的结构以及自动交易系统100在用户忘记取卡的情况下的补发卡处理。但本发明不限于此，也可以适用于其他发卡处理。以下具体说明本发明适用于从磁卡更换IC卡的情况等的处理。其中，自助设备1的结构与上述说明的相同，在此不做赘述。当然，本发明不仅能够适用于从磁卡更换IC卡的情况，还可以适用于回收的卡与新发行的卡的种类不同的各种换卡。The structure of the self-service device 1 and the reissuing card processing of the automatic transaction system 100 when the user forgets to take out the card have been described above. But the present invention is not limited thereto, and can also be applied to other card issuing processes. Hereinafter, processing such as when the present invention is applied to the case where the IC card is replaced from the magnetic card will be described in detail. Wherein, the structure of the self-service equipment 1 is the same as that described above, and will not be repeated here. Of course, the present invention can be applied not only to the case of replacing the IC card from the magnetic card, but also to various replacement cards in which the type of the recovered card is different from that of the newly issued card.
希望换卡的用户将更换前的卡插入自助设备1的进出卡口6，例如通过密码输入部5输入密码。在完成了本人确认对照之后，用户例如按下自助设备1的操作面板2上显示的按钮或操作按键3，通过换卡申请画面对申请换卡的内容进行操作。此时，自助设备1参照发卡器40预先记录的卡余量信息。其中，在由空检测传感器45检测出卡暂存器44中的卡的余量为空的情况下，该卡余量信息表示卡余量为空的状态。在由空检测传感器45检测出卡暂存器44中的卡仍有余量的情况下，该卡余量信息表示卡余量不为空的状态。The user who wishes to change the card inserts the card before the change into the card slot 6 of the self-service device 1, and inputs the password through the password input part 5, for example. After the identity verification is completed, the user, for example, presses the button displayed on the operation panel 2 of the self-service device 1 or the operation button 3 to operate the content of applying for card replacement through the card replacement application screen. At this time, the self-service device 1 refers to the card remaining amount information recorded in advance by the card issuer 40 . However, when the remaining amount of the card in the card buffer 44 is detected to be empty by the empty detection sensor 45, the remaining amount of the card information indicates the state that the remaining amount of the card is empty. When it is detected by the empty detection sensor 45 that there is still a remaining amount of cards in the card buffer 44 , the remaining card amount information indicates that the remaining amount of the card is not empty.
在卡余量信息表示空的情况下，自助设备1在上述画面上显示无法换卡，不发行卡而结束上述处理。在卡余量信息表示卡余量不为空的状态的情况下，自助设备1在上述画面上显示能够换卡，并在上述换卡申请画面上进行显示，以引导用户输入初始设定信息等换卡信息。作为初始设定信息，例如有新卡的回收时处理信息的登记等。用户根据引导，通过操作面板2或操作按键3，输入初始设定信息等换卡信息。其中，初始设定信息可以预先决定其初始值(初始设定)，并通过回收时处理信息的设定操作进行变更。When the remaining amount of the card information indicates that it is empty, the self-service device 1 displays that the card cannot be replaced on the above-mentioned screen, and ends the above-mentioned process without issuing a card. When the remaining amount of the card information indicates that the remaining amount of the card is not empty, the self-service device 1 displays that the card can be replaced on the above-mentioned screen, and displays it on the above-mentioned card replacement application screen to guide the user to input initial setting information, etc. Change card information. As the initial setting information, there is, for example, registration of processing information at the time of collection of a new card, and the like. According to the guidance, the user inputs initial setting information and other card replacement information through the operation panel 2 or the operation buttons 3 . Among them, the initial setting information may have its initial value (initial setting) determined in advance, and may be changed by setting operation of processing information at the time of recycling.
另外，在发卡器40内也可以设置多个卡暂存器44，并且设置能够从多个卡暂存器44中选择送出卡的卡暂存器44的卡选择机构(未图示)。另外，也可以设置多个发卡器40，成为能够发行多种卡的构造，自助设备1在上述换卡申请画面上显示当前能够发行的卡的种类，供用户输入要换的卡种类等换卡种类信息。其中，针对由上述卡余量信息示出卡余量为空的卡种类，设为用户无法输入换卡种类信息。In addition, a plurality of card registers 44 may be provided in the card issuer 40, and a card selection mechanism (not shown) capable of selecting a card register 44 to send out a card from among the plurality of card registers 44 may be provided. In addition, a plurality of card issuers 40 can also be provided to form a structure capable of issuing multiple cards. The self-service device 1 displays the types of cards that can be issued at present on the above-mentioned card replacement application screen, so that the user can input the type of card to be changed, etc. to change cards. Kind information. However, it is assumed that the user cannot input the replacement card type information for a card type whose card remaining amount is shown to be empty by the above-mentioned card remaining amount information.
在用户输入了上述换卡信息之后，自助设备1的读卡器30将换卡处理开始时读取的卡号信息等回收卡信息向自助设备1的控制部10等部件记录。另外，回收卡信息不限于记录在控制部10中，也可以记录在存储部25等自助设备1的其他部件中。另外，回收卡信息也可以不记录在自助设备1中。After the user inputs the above-mentioned card replacement information, the card reader 30 of the self-service device 1 records the returned card information such as the card number information read at the start of the card replacement process to the control unit 10 of the self-service device 1 and other components. In addition, the collected card information is not limited to be recorded in the control unit 10 , and may be recorded in other components of the self-service machine 1 such as the storage unit 25 . In addition, the recycling card information may not be recorded in the self-service device 1 .
自助设备1将该用户的换卡信息、回收卡信息以及作为自助设备1的固有识别信息的设备ID、操作时刻等换卡申请信息向控制部10等记录，并且向上层系统11通知。上层系统11在接收了上述信息的情况下，根据回收卡信息来识别被回收的卡，针对该卡确认是否已进行了回收卡禁用处理。在针对该卡进行了回收卡禁用处理的情况下，上层系统11向自助设备1通知不能申请换卡，自助设备1在操作面板2上显示用户插入的卡被禁用，并结束换卡申请的处理。此时，既可以将用户插入的卡回收，也可以返还给用户。The self-service device 1 records the user's card replacement information, card recycling information, and card replacement application information such as the device ID and operation time as the unique identification information of the self-service device 1 to the control unit 10 and the like, and notifies the higher-level system 11. When the upper-level system 11 receives the above-mentioned information, it identifies the recovered card according to the recovered card information, and confirms whether the recovered card prohibition process has been performed for the card. In the case that the recovery card is disabled for the card, the upper system 11 notifies the self-service device 1 that it cannot apply for a card replacement, and the self-service device 1 displays on the operation panel 2 that the card inserted by the user is disabled, and ends the processing of the card replacement application . At this time, the card inserted by the user can be recovered or returned to the user.
另外，无论有没有进行上述回收卡禁用处理，上层系统11在接收到上述换卡申请信息时，记录该换卡申请信息，并且向持有通过回收卡信息确定的卡的用户，利用短信息或邮件等方法通知该卡被进行了换卡申请一事，作为换卡申请记录通知。其中，该换卡申请信息既可以记录在自助设备1的例如控制部10或存储部25等部件中，也可以记录在上层系统11中。由此，万一有人恶意操作进行换卡申请，持有该卡的用户也能够得知该情况，另外银行也能够确定被操作的自助设备1、设置该自助设备1的地点以及进行了恶意操作的人，并实施适当的处理。另外，在用户不担心上述非法操作的情况下，银行也可以不向用户进行上述换卡申请记录通知。In addition, regardless of whether the above-mentioned recovery card prohibition process is performed or not, when the upper-level system 11 receives the above-mentioned card replacement application information, it records the card replacement application information, and sends a message to the user who holds the card determined by the recovery card information by using a short message or Notify the card that an application for card replacement has been made by mail or other means, and serve as a notification of the card replacement application record. Wherein, the card replacement application information can be recorded in components such as the control unit 10 or the storage unit 25 of the self-service device 1 , or can be recorded in the upper-level system 11 . Thus, in case someone maliciously operates to apply for a card replacement, the user holding the card can also know the situation, and the bank can also determine the operated self-service device 1, the location where the self-service device 1 is installed, and the malicious operation. , and implement appropriate disposition. In addition, if the user is not worried about the above-mentioned illegal operation, the bank may not notify the user of the above-mentioned card replacement application record.
在根据上述回收卡信息识别出的卡未被进行上述回收卡禁用处理的情况下，上层系统11向用户进行上述换卡申请记录通知，并且针对与回收卡信息的卡信息建立了关联的账户进行回收卡禁用处理以禁止利用该卡的交易等，并进行记录。在进行了上述回收卡禁用处理之后，上层系统11向自助设备1发送上述处理的结果通知信息等作为回收卡已禁用通知。另外，上层系统11也可以不向自助设备1发送上述处理的结果通知信息等作为回收卡已禁用通知。而且，上层系统11向自助设备1通知允许换卡申请。其中，该允许换卡申请的通知也可以包含在上述回收卡已禁用通知中。In the case that the card identified according to the above-mentioned recycled card information has not been subjected to the above-mentioned recycled card disabling process, the upper-level system 11 notifies the user of the above-mentioned card replacement application record, and performs a process for the account associated with the card information of the recycled card information. Recycling card disabling processing to prohibit transactions etc. using the card is recorded. After the processing of disabling the recycled card, the upper-level system 11 sends the result notification information of the above processing to the self-service device 1 as a notification that the recycled card has been disabled. In addition, the upper-level system 11 may not send the result notification information of the above-mentioned processing to the self-service device 1 as a notification that card collection has been disabled. Moreover, the upper-level system 11 notifies the self-service device 1 that the card replacement application is allowed. Wherein, the notification of allowing the application for card replacement may also be included in the above-mentioned notification that the recycled card is disabled.
自助设备1在接收到上述回收卡已禁用通知之后，开始将读卡器30的输送路径32中的卡向读卡器30的后方(自助设备1的内部侧)移动。其中，自助设备1也可以不是将上述回收卡已禁用通知而是将完成发送上述卡回收信息作为触发，开始将读卡器30的卡输送路径32上的卡向读卡器30后方(自助设备1的内部侧)移动。The self-service device 1 starts to move the card in the conveyance path 32 of the card reader 30 to the rear of the card reader 30 (the inner side of the self-service device 1 ) after receiving the above-mentioned recovery card disabled notification. Wherein, the self-service device 1 may also not notify that the above-mentioned recycling card is disabled but complete sending the above-mentioned card recycling information as a trigger, and start to send the card on the card delivery path 32 of the card reader 30 to the rear of the card reader 30 (self-service device 1 inside side) to move.
接着，自助设备1使卡经过位于读卡器30后方的发卡器40内的卡输送路径42，移动至卡无效化装置50，对卡进行物理性无效化处理。卡无效化装置50利用破坏机构54将卡的信息记录部分破坏并进行输送。卡在被进行了上述物理性无效化处理之后，经过卡无效化装置50的卡输送路径52，通过卡排出部56向回收箱57排出，并保管在回收箱57中。其中，回收箱可以按用途设置多个。例如，可以设置用于回收被进行了物理性破坏处理的卡的回收箱、以及用于回收没有被进行物理性破坏处理的卡的回收箱等。另外，也可以按磁卡和IC卡等卡的不同形态分别设置回收箱。另外，也可以按本银行发行的卡和其他银行发行的卡等不同发卡行分别设置回收箱。另外，也可以按借记卡和信用卡等卡的不同类型分别设置回收箱。另外，也可以组合上述卡有无被物理性破坏、卡的不同形态、不同发卡行、卡的不同类型中的两种以上分别设置回收箱。这些情况下的回收时处理信息既可以从上层系统11通知，也可以利用预先设定在自助设备1中的回收时处理信息。Next, the self-service device 1 moves the card to the card invalidation device 50 through the card transport path 42 in the card issuer 40 behind the card reader 30, and physically invalidates the card. The card invalidation apparatus 50 destroys the information recording part of the card by the destruction mechanism 54, and conveys it. After the card has been subjected to the above-mentioned physical invalidation process, it passes through the card transport path 52 of the card invalidation device 50 , is discharged to the collection box 57 by the card discharge unit 56 , and is stored in the collection box 57 . Wherein, a plurality of recycle bins can be provided according to purposes. For example, a collection box for collecting cards that have been physically destroyed, a collection box for collecting cards that have not been physically destroyed, and the like may be provided. In addition, collection boxes may be provided for different forms of cards such as magnetic cards and IC cards. In addition, recycling bins can also be set up for different card issuing banks such as cards issued by the bank and cards issued by other banks. In addition, you can also set up collection boxes for different types of cards such as debit cards and credit cards. In addition, it is also possible to combine two or more of the above-mentioned cards whether they are physically damaged, different forms of cards, different card issuers, and different types of cards to set recycling boxes separately. The processing information at the time of collection in these cases may be notified from the upper-level system 11, or the processing information at the time of collection previously set in the self-service device 1 may be used.
接着自助设备1发行新卡。新卡的发行处理与上述补发卡处理相同，在此不做赘述。另外，本变形例中的回收时处理信息的变更设定与上述实施例相同，也不做赘述。Then the self-service device 1 issues a new card. The issuance process of the new card is the same as that of the replacement card mentioned above, and will not be repeated here. In addition, the change settings of the processing information during recovery in this modified example are the same as those in the above-mentioned embodiment, and will not be repeated here.
根据本变形例，能够防止操作人员在回收卡时的操作失误和非法操作、以及其他人非法回收卡。According to this modification, it is possible to prevent an operator's misoperation and illegal operation when collecting the card, and illegal collection of the card by others.
(其他实施例)(other embodiments)
在上述实施例及变形例中自助设备1构成为不使用返卡器，但自助设备1也可以构成为使用返卡器。In the above-mentioned embodiments and modifications, the self-service device 1 is configured not to use a card return device, but the self-service device 1 may also be configured to use a card return device.
图6是本发明的一个其他实施例的自助设备中关于卡处理的结构的截面示意图。如图6所示，自助设备1例如构成为从进出卡口6依次设置读卡器30、发卡器40、卡无效化装置50和返卡器60。读卡器30、发卡器40、卡无效化装置50可以采用与上述实施例相同的结构，在此不做赘述。返卡器60中设有能够逐张收纳多张卡的暂存器，能够针对回收的卡彼此相区别地进行回收和排出动作。回收箱61可以如图6所示设置在返卡器60中，也可以与返卡器60独立地设置在自助设备1的内部侧。Fig. 6 is a schematic cross-sectional view of the card processing structure of the self-service device in another embodiment of the present invention. As shown in FIG. 6 , the self-service device 1 is configured such that a card reader 30 , a card issuer 40 , a card invalidation device 50 , and a card returner 60 are sequentially installed from the card entrance 6 . The card reader 30 , the card issuer 40 , and the card invalidation device 50 may adopt the same structure as that of the above-mentioned embodiments, and details are not repeated here. The card returner 60 is provided with a temporary storage that can accommodate a plurality of cards one by one, and can perform collection and discharge operations for the recovered cards differently from each other. The recycling box 61 can be arranged in the card returner 60 as shown in FIG. 6 , and can also be arranged independently of the card returner 60 on the inner side of the self-service device 1 .
在本实施例的自助设备1中，在根据上述回收时处理信息没有对回收卡进行物理性破坏时，将回收卡回收至返卡器60内，并实施回收卡禁用处理。此后如果用户进行了规定的返卡操作，则从返卡器60返卡，并且与上述实施例和变形例的新卡同样，将从返卡器60返还的卡与用户的账户新建立关联即可。In the self-service device 1 of this embodiment, when the recycling card is not physically damaged according to the above processing information during recycling, the recycling card is recycled into the card return device 60, and the recycling card is disabled. Thereafter if the user has carried out the prescribed card return operation, then return the card from the card return device 60, and the same as the new card of the above-mentioned embodiment and modified example, the card returned from the card return device 60 will be newly associated with the user's account. Can.
由此，能够尽量减小对现有的自助设备的影响，并且提高针对回收卡的非法操作的安全性。Thereby, the influence on the existing self-service equipment can be reduced as much as possible, and the security against the illegal operation of recovering the card can be improved.
在上述实施例及变形例中，说明了读卡器30、发卡器40和卡无效化装置50所具备的卡输送路径沿着同一条直线依次连通的例子。但本发明不限于此，读卡器30与发卡器40的卡输送路径也可以不沿着同一条直线配置。其中，读卡器30与发卡器40也可以具有各自的进出卡口和卡输送路径。以下具体说明其一例。In the above-mentioned embodiment and modified example, the example in which the card transport path included in the card reader 30 , the card issuer 40 , and the card invalidation device 50 are successively connected along the same straight line has been described. However, the present invention is not limited thereto, and the card conveying paths of the card reader 30 and the card issuer 40 may not be arranged along the same straight line. Wherein, the card reader 30 and the card issuer 40 may also have their own card inlet and outlet ports and card delivery paths. An example thereof will be specifically described below.
图7是本发明的另一个其他实施例的自助设备的内部结构示意图。如图7所示，本实施例的自助设备1'具备两个进出卡口6、6'，在图7中两个进出卡口6、6'沿上下方向依次配置，但不限于此，也可以沿水平方向配置，或者根据实际情况任意分离配置。从进出卡口6向自助设备1的内侧依次配置读卡器30和卡无效化装置50，而从进出卡口6'向自助设备1的内侧配置发卡器40。在图7中示意性地示出了从进出卡口6连通读卡器30和卡无效化装置50的卡输送路径、以及从进出卡口6'连通卡无效化装置50的卡输送路径，这两条卡输送路径不沿着同一直线配置，而能够相互独立地输送卡。Fig. 7 is a schematic diagram of the internal structure of the self-service equipment in another embodiment of the present invention. As shown in Figure 7, the self-service equipment 1' of this embodiment is equipped with two entrance and exit bayonets 6, 6', and in Figure 7, the two entrance and exit bayonets 6, 6' are arranged in sequence along the up and down direction, but it is not limited to this, and It can be arranged along the horizontal direction, or separated and arranged arbitrarily according to the actual situation. The card reader 30 and the card invalidation device 50 are sequentially arranged from the card entrance 6 to the inside of the self-service device 1 , and the card issuer 40 is arranged from the card entrance 6 ′ to the inside of the self-service device 1 . In Fig. 7 schematically shows the card conveyance path that connects the card reader 30 and the card invalidation device 50 from the inlet and outlet bayonet 6', and the card conveyance path that communicates with the card invalidation device 50 from the inlet and outlet bayonet 6', which The two card conveyance paths are not arranged along the same straight line, but can convey cards independently of each other.
本实施例不限于上述例子，可以根据实际情况变更。例如，在进一步设置上述返卡器60的情况下，也可以将返卡器60与进出卡口6、读卡器30和卡无效化装置50连通地设置，而将发卡器40独立地与进出卡口6'连通地设置。This embodiment is not limited to the above examples, and may be changed according to actual conditions. For example, in the case where the above-mentioned card return device 60 is further set, the card return device 60 can also be set in communication with the card inlet and outlet 6, the card reader 30 and the card invalidation device 50, and the card issuer 40 can be independently connected with the card in and out. The bayonet socket 6' is provided in communication.
根据本实施例的自助设备1'，不仅能够实现上述实施例及变形例中说明的卡的回收和发行处理，而且能够增大自助设备1'内部的配置自由度。特别是，在读卡器30、发卡器40和卡无效化装置50等的卡输送路径都沿着同一条直线配置时，上述各个部件也必须沿着朝向自助设备1内部的同一条直线配置，容易进入自助设备1内部过深，对自助设备1内部的其他结构的配置造成影响。而根据本实施例的自助设备1'，能够灵活地配置上述各个部件，从而更加合理地利用自助设备1'的内部空间。According to the self-service device 1' of this embodiment, not only can the collection and issuance of cards described in the above-mentioned embodiments and modifications be realized, but also the degree of freedom of arrangement inside the self-service device 1' can be increased. Especially, when the card conveying paths of the card reader 30, the card issuer 40, the card invalidation device 50, etc. are all arranged along the same straight line, the above-mentioned components must also be arranged along the same straight line toward the inside of the self-service device 1, which is easy Entering too deep inside the self-service device 1 will affect the configuration of other structures inside the self-service device 1 . However, according to the self-service device 1' of this embodiment, the above-mentioned components can be flexibly configured, so that the internal space of the self-service device 1' can be used more rationally.
在上述各实施例和变形例中，具体说明了本发明适用于自助设备1处理卡的情况。但本发明不限于此，可以适用于处理各自具有识别信息的各种介质的设备。In the above-mentioned embodiments and modifications, it has been specifically described that the present invention is applicable to the case where the self-service device 1 handles cards. However, the present invention is not limited thereto, and can be applied to devices that handle various media each having identification information.
(效果)(Effect)
根据本发明的自助设备和自动发卡系统，在由于用户忘记取卡等而回收卡时，能够即刻对卡进行无效化处理，提高了保管安全性，而且针对回收的卡仅需要由管机员对自助设备进行清理并废弃即可，还能够减小管理和操作负担。According to the self-service equipment and the automatic card issuing system of the present invention, when the user forgets to take out the card and recycles the card, the card can be invalidated immediately, which improves the storage security, and only needs to be checked by the operator for the recycled card. Self-service equipment can be cleaned and disposed of, and can also reduce administrative and operational burdens.
而且，能够在任意的时间根据用户请求补发卡，提高了用户的便利性。而且，在设置了多台该结构的自助设备的情况下，能够在忘记取卡的自助设备以外的任意自助设备上补发卡，大大提高了用户的便利性。Moreover, the card can be reissued according to the user's request at any time, which improves the convenience of the user. Moreover, when a plurality of self-service devices with this structure are installed, the card can be reissued on any self-service device other than the self-service device that forgot to take out the card, which greatly improves the convenience of the user.
而且，本发明在发卡器中保管的卡与回收卡即使是不同的卡也能够适用。在忘记取卡以外的各种发卡业务中，例如在从磁卡更换为IC卡的情况下，也能够适用本发明。由此，以往必须在银行柜台才能进行的业务能够在自助设备上进行，降低了银行柜台的操作负担，提高了用户的便利性Furthermore, the present invention can be applied even if the card stored in the card issuer and the collected card are different cards. The present invention can also be applied to various card issuing operations other than forgetting to take out a card, for example, when changing from a magnetic card to an IC card. As a result, the business that had to be performed at the bank counter in the past can be performed on the self-service equipment, which reduces the operating burden of the bank counter and improves the convenience of users
以上参照附图说明了本发明的实施例和变形例。其中，以上说明的实施例和变形例仅是本发明的具体例子，用于理解本发明，而不用于限定本发明的范围。本领域技术人员能够基于本发明的技术思想对各实施例和变形例进行各种变形、组合和要素的合理省略，由此得到的方式也包括在本发明的范围内。The embodiments and modifications of the present invention have been described above with reference to the drawings. The embodiments and modifications described above are merely specific examples of the present invention for understanding the present invention, and are not intended to limit the scope of the present invention. Those skilled in the art can make various modifications, combinations, and rational omission of elements to the various embodiments and modified examples based on the technical idea of the present invention, and the obtained modes are also included in the scope of the present invention.
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510483416.8ACN106446970A (en) | 2015-08-07 | 2015-08-07 | Self-service equipment and automatic card issuance system |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510483416.8ACN106446970A (en) | 2015-08-07 | 2015-08-07 | Self-service equipment and automatic card issuance system |
| Publication Number | Publication Date |
|---|---|
| CN106446970Atrue CN106446970A (en) | 2017-02-22 |
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510483416.8APendingCN106446970A (en) | 2015-08-07 | 2015-08-07 | Self-service equipment and automatic card issuance system |
| Country | Link |
|---|---|
| CN (1) | CN106446970A (en) |
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| CN103208015A (en)* | 2013-01-31 | 2013-07-17 | 刘小云 | Self-service terminal and self-service card-issuing system and method applying same |
| CN103679962A (en)* | 2013-09-22 | 2014-03-26 | 东方通信股份有限公司 | Teller machine card retaining self-service processing device and processing method thereof |
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| CN107563483A (en)* | 2017-08-30 | 2018-01-09 | 捷德（中国）信息科技有限公司 | A kind of automatic identification of smart chip card and flexible individualized processing method |
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| Date | Code | Title | Description |
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