CN105761384A - ATM terminal with function of recognizing situation that people leave without taking bank card and control method thereof - Google Patents

Abstract

The invention discloses an ATM machine terminal with bank card not taken out identification and its control method. The ATM machine terminal is additionally equipped with a central processing unit connected to the ATM machine terminal, which is arranged on the ground directly in front of the terminal body to detect the user's gravity. switch. The control method is that when the bank card is in the card reader of the ATM machine or is spit out to the user leaving at the card entrance, the voice prompt of "the user leaves, please take away your bank card" with high loudness is output, and the output The loud prompt sound reminds the user to take away the bank card and leave; when the bank card is in the card reader of the ATM machine and the user leaves, the card return operation will be performed immediately after the card return function button option is displayed on the screen interface to prevent Solve the problem that the money in the account will be directly stolen after the user leaves without returning the card after using the bank card; when the bank card is spit out at the card entrance and the user does not leave, the card will not be taken, and the card will not be swallowed , To prevent the problem that the bank card at the card entry port is swallowed by the user without leaving.

Description

An ATM terminal with identification of bank card not taken out and its control method

technical field

The invention relates to the technical field of bank card security, in particular to an ATM machine terminal and a control method thereof for identifying a user leaving a bank card after use without taking it out.

Background technique

At present, ATM automatic teller machines (ATMs for short) in the financial industry are widely popular across the country, but while they provide users with convenient and fast access, they also bring new problems: after users use them, if the bank card If you forget to leave in the ATM machine, it is easy for others with ulterior motives to take away the money on the user's forgotten bank card and account, especially if you forget the bank card in the ATM machine and the interface after entering the correct password in the card reader (such as withdrawal or not withdrawn after transfer), the money in the account is easily taken away by others, and the operation process of cash withdrawal is on the ATM machine where the money is paid first and then the bank card is refunded (this operation process is generally adopted by ATM machines in my country for cash withdrawal), and the cash withdrawal is the most convenient It is easy to forget to take out the card. This kind of situation is often reported by many media. Although the financial industry adopts the card swallowing technology according to the ATM terminal (ATM machine) technical specification in the enterprise standard of China UnionPay Co., Ltd.: if there is no key operation within the set time (generally set to 30 seconds) during the transaction, The bank card in the card reader will be returned to the card slot, and the ATM will simultaneously display the bank card information on the screen and the speaker will issue a voice prompt to remove the bank card information; (Generally, it is also set to 30 seconds) and the card is not taken away from the card entry port, and the card swallowing operation is performed. Solving the problem of forgetting the bank card in the ATM by adopting the method of timing automatic card withdrawal/swallowing can be understood as: 1. When the bank card is in the card reader of the ATM machine, the operation of returning the card is not carried out and the person leaves, and the timing is 60 seconds ( Wait for the button operation for the first 30 seconds, and wait for the bank card to be taken away for the next 30 seconds) After that, the ATM automatically swallows the card; 2. The bank card is returned to the card inlet of the ATM card reader, and if it is not taken within 30 seconds, the card swallowing operation is performed. The method of timing automatic card swallowing is used to prevent the bank card from being forgotten in the ATM. Then it will be a blind spot during the timing period. , because other people do not know the password of the card; the first situation above is different, the first 30 seconds is a very dangerous area, if the transaction interface is the interface after entering the correct password, others can directly operate to withdraw money from the bank card Go, the last 30 seconds are the same as the second case; and the cardholder (user) often forgets the bank card in the ATM machine, which is often the first case mentioned above, so it is often reported in newspapers and on the Internet, The user (cardholder) forgets the bank card in the ATM, and the money in the bank card is taken away by others; although there is a video surveillance system installed on the ATM machine or in the ATM machine room, the image of the person who withdraws money is searched from the stored video images afterwards , Time-consuming and labor-intensive, maybe it will be nothing. In order to prevent forgetting to withdraw the card while withdrawing cash, some banks in my country (such as China Everbright Bank) have changed the operation process of ATM machine cash withdrawal to "return the card first and then dispense the money" according to international practice. This change of "returning the card first and then spitting out the money" also has new problems: if you want to withdraw cash again or want to do other business, you have to re-insert the card and enter the password, which is troublesome, and you may forget to take the cash and leave; Therefore, the vast majority of banks in China have not changed the traditional order of withdrawing cash first and then taking bank cards in consideration of the habits of most customers.

As we all know: when people use an ATM machine, they are normally in front of the ATM machine, and their feet will not leave the ground at the same time, that is, the weight of the body is all acting on the ground in front of the ATM machine, and the user who uses the ATM machine The weight of the body is mostly greater than more than 18Kg; meanwhile, under normal circumstances, the user will not leave the ATM when the bank card is in the ATM machine (in the card slot or card reader). That is to say, the vast majority of cases where the user forgets the bank card in the ATM and leaves is: before taking out the bank card, obtain another result required at the other function output port of the ATM, and then leave without taking the card, such as: when withdrawing cash from If you forget to take out the bank card after taking out the cash at the banknote-making exit, you will leave, or you can choose to print the voucher after withdrawing cash, depositing, or transferring money, and you will leave if you forget to take out the bank card after taking the voucher from the receipt printer exit. Everyone knows: ATM machines are set to withdraw cash from the exit of the banknote making machine and do not operate any buttons after taking out the cash from the exit of the banknote making machine or printing the voucher on the receipt printer. After taking out the cash or printing the voucher by the receipt printer, the display interface of the ATM includes a card eject button function selection item. At this time, select the operation card eject button to immediately spit out the bank card from the card reader to the card slot. Everyone knows: For the integrity of the transaction: the transaction is being processed, and all function buttons will be blocked when the user does not need to confirm, that is, there are no function button options on the displayed transaction interface, for example, the receipt printer is printing Credentials are being produced when withdrawing money, and are being created when making deposits; when the transaction is being processed and the user needs to confirm, the card refund function button on the transaction interface will be blocked, that is, there is no card refund function button on the displayed transaction interface Option items (when there is no card return function button option, the card return button is shielded), such as when depositing, whether to continue to put in the money making selection confirmation after clicking on the money making, etc.

As we all know: the place where the ATM machine is located is a quiet environment. In order not to affect the user and others to use the ATM machine, the loudness of the voice prompt sent by the ATM machine through the loudspeaker is generally set to be less than 40 decibels, which will cause: people with hearing loss may not be able to hear it. Especially the elderly, because most of the elderly have decreased hearing; when people work stress and fatigue cause lack of concentration and slow response, they will turn a deaf ear to the sound of the prompt voice, and of course it is easier to forget the bank card after use. The person walked through the card reader of the ATM machine.

Contents of the invention

The purpose of the present invention and the technical problem solved are to improve existing ATM machine terminal system, add function to existing ATM machine terminal system, propose a kind of ATM machine terminal that has bank card not to take and leave identification and its existing ATM machine at the defective that the existing ATM machine of financial circle exists The control method has the following functions: ①When the bank card is in the card reader of the ATM machine or is spit out until the user leaves at the card entrance, output a loud voice prompt of "the user is leaving, please take away your bank card"; ② When the user leaves the bank card in the card reader of the ATM machine, and when the card withdrawal function button selection item is displayed on the screen interface, the card withdrawal operation will be performed immediately, and the bank card will be spit out to the card slot; ③ When the bank card is spit out to At the card entrance, the user does not leave and does not take out the card within a limited time, that is, if the card is not taken, the card will not be swallowed.

In order to realize above-mentioned purpose, technical scheme of the present invention is:

A kind of ATM machine terminal that has bank card not taken away identification, is provided with the gravity switch that is connected with the central processor unit of ATM machine terminal and is arranged on the ground directly in front of the terminal fuselage and detects the user who uses the bank card, and the gravity switch of described gravity switch The support surface is rectangular, and the long side of the support surface of the gravity switch is parallel to the front facade of the ATM terminal body.

The length of the supporting surface of the above-mentioned gravity switch is set at 50 centimeters, the width of the supporting surface is set at 40 centimeters, and the gap setting between the supporting surface and the front facade of the ATM machine terminal body is less than 3 centimeters.

When the load on the supporting surface of the above-mentioned gravity switch is set to be greater than or equal to 18 kg, the output of the gravity switch is "1", otherwise the output is "0".

Realize above-mentioned purpose, another technical scheme of the present invention is:

A control method of an ATM machine terminal with identification of bank cards not taken out, comprising the steps of:

1) When the bank card is inserted into the card reader slot of the ATM machine, and the output of the gravity switch to be detected is set to "1", the bank card is controlled to enter the card reader;

2) When the bank card is in the card reader and it is detected that the output of the gravity switch is "0", it is set to output a high-loud voice prompt of "The user is leaving, please take away your bank card". Card function button option, immediately execute the card return operation, and spit out the bank card to the card slot;

3) When the bank card is spit out to the card slot and it is detected that the output of the gravity switch is "0", set to output a loud voice prompt of "The user is leaving, please take away your bank card";

4) When the bank card is spit out to the card slot and it is detected that the output of the gravity switch is "1", the voice prompt of "the user is leaving, please take away your bank card" with normal loudness is set to be output;

5) When the bank card is in the card reader and it is detected that the output of the gravity switch is "1", it is set not to output voice prompts;

6) When the bank card is swallowed or taken out, stop responding to the output of the gravity switch, and stop outputting the voice prompt of "the user leaves, please take your bank card";

7) When the bank card is in the card reader, during the output of the voice prompt of "the user leaves, please take your bank card", it is set to stop outputting the voice prompt when the output of the gravity switch is detected as "1";

8) When the bank card is spit out until it is not taken at the card entry port, set the gravity switch output to "0" for a specified time and the card will be swallowed.

In step 8) above, the predetermined time is set to 10 seconds.

In the above step 1), when the bank card is inserted into the card reader slot of the ATM and the output of the gravity switch is detected as "0", the voice prompt of "please stand on the gravity switch" with normal loudness is set to be output, and wait Gravity switch output is "1", stop outputting the voice prompt "Please stand on the gravity switch".

The voice prompt loudness of the above-mentioned normal loudness is set to be less than 40 decibels, and the loudness of the voice prompt of high loudness is set to 50 decibels.

Beneficial effect:

A kind of ATM machine terminal and its control method with identification of bank card not being taken out of the present invention, add the gravity switch that is connected with the central processing unit of ATM machine terminal and be arranged on the ground in front of terminal fuselage and detect user, realize ① When the bank card is in the card reader of the ATM or is spit out at the card entrance and the user leaves, output a loud voice prompt of "the user is leaving, please take away your bank card", and the loud voice prompts the user Take away the bank card and leave; ②When the bank card is in the card reader of the ATM machine, the user leaves, and when the card withdrawal function button option is displayed on the screen interface, the card withdrawal operation will be performed immediately, and the bank card will be spit out to the card slot , so as to prevent the user from leaving without returning the card after using the bank card, and the bank card account funds are directly stolen; The card swallowing process is performed to prevent the problem that the bank card at the card entry port is swallowed without the user leaving.

Description of drawings

Fig. 1 is a kind of functional block diagram of the ATM machine terminal that has bank card not taken and left identification of the present invention;

Fig. 2 is a kind of flow chart diagram of the control method of the ATM machine terminal with bank card not taken out of the present invention;

In the figure: 1. The central processing unit of the ATM machine terminal, 2. The gravity switch.

detailed description

As shown in Fig. 1, a kind of ATM machine terminal that has bank card not taken out to leave identification, is additionally provided with the gravity switch 2 that is connected with the central processor unit 1 of ATM machine terminal.

The addition of a gravity switch 2 connected to the central processor unit 1 of the ATM terminal means that the switch output of the gravity switch 2 is connected to the input of the central processor unit 1 of the ATM terminal.

Gravity switch 2 is used to detect users using bank cards in front of ATM terminals, and central processing unit 1 realizes card entry, card withdrawal, card swallowing processing, and output voice prompts according to the gravity switch 2 switch output detection results combined with the working status. The gravity switch 2 is composed of a switch and a support surface. The gravity switch 2 is set on the ground directly in front of the terminal body. The support surface of the gravity switch 2 is set to be rectangular, and the length of the long side is set to be greater than or equal to 45 cm and less than or equal to Within the scope of the width of the terminal body (the width of the terminal body is generally greater than 50 centimeters), the long side of the support surface is parallel to the front facade of the ATM terminal body during installation. The supporting surface length of gravity switch 2 of the present invention is set as 50 centimeters, and the supporting surface width is set as 40 centimeters, and when gravity switch 2 is installed, the supporting surface is less than 3 centimeters from the gap of the front facade of the ATM machine terminal fuselage; When the load on the support surface of the gravity switch 2 is greater than or equal to 18 kg, the switch output of the gravity switch 2 is "1", otherwise the switch output is "0".

ATM machine refers to the ATM automatic teller machine (ATM terminal) used in the financial industry, and has a voice output function, the central processing unit 1 of the ATM machine terminal is the central processing unit for completing various work processing tasks in the ATM machine, that is The central processing unit in the existing ATM machine, including CPU, program storage unit, data storage unit, various input and output interfaces, etc., is additionally provided with the functional program module of the present invention, carries out gravity switch 2 switch output detection control, and screen interface In the display buffer area, whether there is a button to display the function of returning the card is selected, and the identification control is carried out. The central processing unit 1 sends the display to the screen display through the display buffer.

The present invention preferably uses the gravity switch 2 to detect users using bank cards in front of the ATM machine terminal, and of course high-cost video methods can also be used to identify users.

The present invention recognizes that the bank card in the ATM machine (ATM machine terminal) has not been taken, which means that the bank card is in the card reader of the ATM machine or the card entry port of the card reader.

The invention changes the traditional method flow of controlling the bank card to enter the card reader when it is detected that the bank card is inserted into the card reader inlet (there is no bank card in the card reader at this time). The changed process is: when it is recognized that the bank card is inserted into the card reader slot of the ATM machine, the switch output of the gravity switch 2 is detected, and the bank card is controlled to enter the reading port only when the switch output of the gravity switch 2 is detected to be "1". in the card holder. Thereby guarantee to insert bank card to the user of ATM machine that inserts bank card to card reader card inlet: stand on the supporting surface of gravity switch 2 and insert to the bank card that card reader card inlet just can use.

The present invention changes the traditional process of taking out the bank card within a time limit at the first moment when the bank card is spat out at the card entry port, and when the bank card is not taken out within the time limit, the process of swallowing the card is performed within the time limit. The changed process is: when the bank card is spit out to the card entrance and the output of the gravity switch 2 is "1" (it is determined that the user has not left), the card swallowing process of taking out within a limited time is not performed, only when the bank card is spit out to the At the card entry port, the card will not be swallowed until the gravity switch 2 switch output is "0" ((determining that the user has left) for a specified period of time. This prevents the bank card from being swallowed at the card entry port without the user leaving. solution.

As shown in Figure 2, a kind of control method that has the ATM machine terminal that bank card does not take away identification, comprises the steps:

S100, when it is recognized that the bank card is inserted into the card reader of the ATM machine, start to detect the switch output of the gravity switch 2, and when the output of the gravity switch to be detected is "1", control the bank card to enter the card reader;

S200. When the bank card is in the card reader, when it is detected that the switch output of the gravity switch 2 is "0", set and output a loud voice prompt of "the user is leaving, please take away your bank card", and notify the screen interface In the display buffer area, identify whether or not there is a card withdrawal function button selection item displayed. When it is recognized that there is a card withdrawal function button selection item displayed, the card withdrawal operation is performed immediately, and the bank card is spit out to the card slot;

S300. When the bank card is spit out to the card slot and it is detected that the switch output of the gravity switch 2 is "0", set to output a high-loud voice prompt of "the user leaves, please take your bank card";

S400. When the bank card is spit out to the card slot and it is detected that the switch output of the gravity switch 2 is "1", set to output the voice prompt of "the user leaves, please take your bank card" with normal loudness;

S500. When the bank card is in the card reader and it is detected that the switch output of the gravity switch 2 is "1", it is set not to output the voice prompt;

S600. When the bank card is swallowed or taken out, stop responding to the output of the gravity switch 2, and stop outputting the voice prompt of "the user leaves, please take your bank card";

S700. When the bank card is in the card reader, during the output of the voice prompt of "the user leaves, please take your bank card", set the output of the gravity switch 2 to be detected as "1", and stop outputting the voice prompt;

S800. When the bank card is spit out to the card inlet, it is set to perform the card swallowing operation after the duration of the switch output of the gravity switch 2 being "0" reaches the specified time.

In the above step S800, the predetermined time is set to 10 seconds.

In the above step S100, when it is recognized that the bank card is inserted into the card reader of the ATM machine, and the output of the gravity switch is "0", the voice prompt of "please stand on the gravity switch" with normal loudness is set to output, When the gravity switch output is "1", stop outputting the voice prompt "Please stand on the gravity switch".

The above-mentioned voice prompt of "please stand on the gravity switch" outputting normal loudness, its normal loudness is set to be less than 40 decibels.

The above-mentioned voice prompt of "the user leaves, please take away your bank card" with a normal loudness is output, and its normal loudness is set to be less than 40 decibels.

The above-mentioned high-loud voice prompt of "the user is leaving, please take away your bank card" is output, and the high-loudness is set to 50 decibels.

In the present invention, it is set that when there is no card to use, it does not respond to the output of the gravity switch 2 switch.

Claims (7)

1. one kind has bank card and does not take the ATM terminal leaving identification, it is characterized in that: what have additional that the central processor unit with ATM terminal is connected is arranged on terminal fuselage dead ahead ground detection and uses the gravity switch of bank card user, the supporting surface of described gravity switch is rectangle, and the long limit of the supporting surface of gravity switch is parallel with facade before ATM terminal fuselage.

2. according to claim 1 a kind of have bank card and do not take the ATM terminal leaving identification, it is characterized in that: the supporting surface length of described gravity switch is set as 50 centimetres, supporting surface width setup is 40 centimetres, and supporting surface sets less than 3 centimetres from the gap of facade before ATM terminal fuselage.

3. according to claim 1 a kind of have bank card and do not take the ATM terminal leaving identification, it is characterised in that: bearing a heavy burden when setting be more than or equal to 18 kilograms on the supporting surface of described gravity switch, gravity switch is output as " 1 ", is otherwise output as " 0 ".

4. one kind has bank card as claimed in claim 1 and does not take the control method of the ATM terminal leaving identification, it is characterised in that comprise the steps:

(1) when bank card inserts the card reader card inlet of ATM, set the gravity switch that measures to be checked when being output as " 1 ", control bank card and enter in card reader；

(2) when bank card is in card reader, detect when gravity switch is output as " 0 ", set the voice message of " user leaves; please take your bank card away " that export high loudness, treat screen interface shows and move back card functional keys options, perform immediately to move back card operation, bank card is spued to card inlet；

(3) when bank card is told at card inlet, detecting when gravity switch is output as " 0 ", the voice message of " user leaves, and please take your bank card away " that export high loudness is set；

(4) when bank card is told at card inlet, detecting when gravity switch is output as " 1 ", the voice message of " user leaves, and please take your bank card away " of output normal level is set；

(5) when bank card is in card reader, detect when gravity switch is output as " 1 ", set and do not export voice message；

(6) when bank card is swallowed to or takes out, stop the response to gravity switch output, stop the voice message of " user leaves, and please take your bank card away " of output；

(7) when bank card is in card reader, during the voice message of output " user leaves, and please take your bank card away ", set and detect when gravity switch is output as " 1 ", stop output voice message；

(8) told when bank card and do not taken at card inlet, set gravity switch and be output as persistent period of " 0 " and reach the stipulated time and will carry out gulping down card and operate.

5. according to claim 4 a kind of have bank card and do not take the control method of the ATM terminal leaving identification, it is characterised in that in step (8), the described stipulated time is set as 10 seconds.

6. according to claim 4 a kind of have bank card and do not take the control method of the ATM terminal leaving identification, it is characterized in that, in step (1), when bank card inserts the card reader card inlet of ATM, detect when gravity switch is output as " 0 ", set the voice message of " the woulding you please upper gravity switch of standing " of output normal level, treat that gravity switch is output as " 1 ", stop the voice message of output " woulding you please upper gravity switch of standing ".

7. a kind of according to claim 4 or 6 has bank card and does not take the control method of the ATM terminal leaving identification, it is characterised in that the voice message loudness of described normal level is set smaller than 40 decibels, and the voice message loudness of high loudness is set as 50 decibels.