JP2003132228A - Automatic transaction device dealing with card loaded with ic chip - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the convenience of a card equipped with an IC chip and a magnetic stripe in an automatic teller machine. SOLUTION: When a trouble is caused in at least a part of the information input from the IC chip in the automatic teller machine, switching to a transaction using the information of a magnetic storage part is performed. Accordingly, since the transaction is not interrupted even if the information of the IC chip cannot be perfectly obtained, the convenience of the automatic teller machine can be improved.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction device for conducting transactions according to a user's operation, and more particularly to an automatic transaction device compatible with IC chip mounted cards.

[0002]

2. Description of the Related Art An automatic transaction device (hereinafter referred to as an ATM) is used for depositing and withdrawing money from a user at a financial institution or the like.
In these ATMs, cards such as credit cards, debit cards, and cash cards are used to identify a user's account or the like. These cards have a magnetic stripe that records the user's account, personal identification number, and so on. ATMs use this information to process transactions.
In order to be able to use it for multiple accounts or transactions, magnetic stripes may be provided at multiple locations such as above and below the card (hereinafter, this type of card is called "multi-stripe"
Called)).

In recent years, a card having a contact type or non-contact type IC chip in addition to the magnetic stripe (hereinafter, referred to as
(Hereinafter simply referred to as “IC card”) is becoming popular. Some cards have both contact-type and non-contact-type IC chips. Compared to magnetic stripes, these IC chips can record a large amount of information in a small area, so it is possible to carry out a larger number of accounts and transactions with a single card in an integrated manner than with multi-stripe. Become. In addition, since it is difficult to falsify information, it has the advantage of excellent security.

Since it is necessary for the ATM to support both conventional cards and IC cards which are not equipped with an IC chip, the ATM uses the information of the IC chip in the following procedure. First, the ATM reads the information on the magnetic stripe provided on the card. Identification information for determining whether or not the card inserted in the ATM has an IC chip is recorded on the magnetic stripe. The information of the magnetic stripe is first read because the information of the magnetic stripe and the IC chip cannot be read at the same time due to the arrangement of the head inside the ATM, and the magnetic stripe is provided in any card. IC by identification information
When it is determined that the card is a card, the ATM carries the card, reads the information on the IC chip, and conducts a transaction based on the information.

[0005]

In the transaction using the IC card, the information of the IC chip is prioritized, which may impair the convenience of the ATM in practical use.

First, in a multi-stripe IC card, it may be necessary to reinsert the card. FIG. 1 is an explanatory diagram illustrating a multi-stripe IC card 10. The card 10 is provided with two magnetic stripes 11 and 12 on the top and bottom, and IC chips 13 and 14. The IC chip 13 is a contact type and the IC chip 14 is a non-contact type. When using the magnetic stripe 11, the card is inserted in the forward direction. This state is shown in the middle of the figure. This is a schematic side view of the card handling mechanism 20. When the card 10 is inserted in the forward direction from the insertion slot 23, the card 10 is conveyed to the position A, and in this process, the information of the magnetic stripe 11 is read by the head 21. After that, by further transporting the card 10 to the position B, the information of the IC chip 13 is read by the head 22. When the card 10 is thus inserted in the normal direction, the IC chip 13 can be read without reinserting the card 10.

When the magnetic stripe 12 is used,
Insert the card in the opposite direction. This state is shown in the lower part of the figure. In the inserted state in the reverse direction, the information on the magnetic stripe 12 is read by the head 21 in the process of being transported to the position A, as in the case of the forward direction. However, even after that, even if it is transported to the position B, the IC is
The information on the chip 13 cannot be read. Therefore,
When the card is inserted in the reverse direction, when the ATM detects that the IC chip is mounted, the card is ejected and the user is prompted to re-insert in the normal direction in order to read the information of the IC chip. . The operation of re-insertion is very complicated for the user.

Secondly, when the information on the IC chip cannot be read, the transaction was suspended at that time. The IC chip has poor contact with the head or radio interference,
Software failure to read information from IC chip, partial loss of information recorded in IC chip, IC
There may be a case where information cannot be read due to various factors such as a failure of the chip itself. Conventionally, in such a case, the transaction was unconditionally suspended. In particular, if the information of the IC chip cannot be read after performing the above-mentioned re-insertion with a multi-stripe card, it is possible to end up with a desired transaction despite the troublesome operation. It was impossible to do this, and the convenience of ATM was greatly impaired.

The present invention has been made to solve the above-mentioned various problems, and an object thereof is to improve the convenience of an IC card in ATM.

[0010]

In order to solve at least a part of the above-mentioned problems, in the present invention, in the automatic transaction device, when at least a part of information input from an IC chip is disturbed, a magnetic storage section is provided. We decided to switch to a transaction that uses the information of. By doing so, even if the information of the IC chip cannot be completely obtained, the transaction is not interrupted, and the convenience of the automatic transaction device can be improved.

The trouble in inputting information of the IC chip is as follows.
Due to various factors such as a failure of the head or other reading mechanism for reading the information of the IC chip, a failure of the IC chip itself, a poor contact or radio wave transmission / reception between them, an application defect for reading the information of the IC chip, etc. Is included. Due to these factors, I
This includes both the case where the information of the C chip cannot be read at all and the case where the information of the IC chip cannot be read partially.

In the automatic transaction apparatus of the present invention, the range of transaction processing may be controlled based on the content of the information input from the IC chip until the trouble occurs. The range of transaction processing means, for example, a transaction item and a transactable amount of money when a transaction involving deposit and withdrawal is illustrated. For example, when the information of the IC chip is completely obtained, a high-value transaction or a transaction requiring a high security level is permitted, and when only a part of the information is obtained, these transactions are prohibited. Aspects can be adopted. By thus controlling the range of the transaction processing stepwise, it is possible to execute the transaction by effectively utilizing the information of the IC chip although there is a problem.

In the present invention, when there is a problem in inputting information to the IC chip, the information may be switched to use only the information in the magnetic storage unit, but the information in the IC chip and the information in the magnetic storage unit are complemented. It may be used as described above. For example, the information input from the magnetic storage unit,
The information required for the transaction processing may be generated from the information input from the IC chip until the trouble occurs, and the transaction processing may be performed based on this. When the information input to the IC chip is hindered, the information in the IC chip and the magnetic storage unit are mutually complemented, so that it is possible to allow transactions at a higher security level than in the case of using only one of them. Become.

In the case of an IC card, identification information indicating that the IC chip is mounted on the card is recorded in the magnetic storage section. When an IC card having a problem in reading information from an IC chip is inserted into a conventional automatic transaction device, there is a possibility that the transaction will be interrupted although the information in the magnetic storage unit can be effectively read. is there. In view of such a point, in the automatic transaction device of the present invention, when there is a problem in at least a part of the information input from the IC chip, the identification information is changed to the content indicating that the IC chip is not mounted. It may be changed. By making such changes, the IC card is
Because it is equivalent to a card without an IC chip,
It is possible to carry out a transaction even with a conventional automatic transaction device.

The transaction processing in the present invention is not necessarily limited to the one involving the transfer of cash. For example, transfer from a specific account to another account, debit card payment, issuance of a certificate or the like at a public institution, and the like are included. Therefore, the automatic transaction device according to the present invention is configured as a so-called ATM or cash dispenser that is installed in a financial institution and can also withdraw and withdraw cash, and is also configured as a device that realizes a transaction in a system connected to a client computer via a network. You can also do it. In such a system, the automatic transaction device of the present invention is configured as a server on a network and realizes transaction processing in accordance with various instructions input from a client computer via the network. The client computer is equipped with a card reader capable of reading the information of the IC card, and the automatic transaction device acquires the information from the IC card by transmitting a control signal via the network.

The present invention can take various modes. For example, the present invention may be configured as a control method for realizing the functions of the above-described automatic transaction apparatus, or a computer for realizing such functions. It may be configured as a computer program. Further, it may be configured as a storage medium storing such a computer program. Here, as the storage medium, a flexible disk, a CD
-ROM, DVD, magneto-optical disk, IC card, IC
Computers that are optically, magnetically, and electrically readable such as chips, ROM cartridges, punched cards, printed materials on which codes such as bar codes are printed, computer internal storage devices (memory such as RAM and ROM) and external storage devices Various media can be used. Further, the present invention is
The various characteristic points described above may be appropriately combined or partly omitted.

[0017]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below in terms of the following items. A. First Example: A1. Overall configuration: A2. Modification of Configuration: A3. Deposit / withdrawal processing: A4. Deposit / Withdrawal Processing (Modification): B. Second embodiment:

A. First Example: A1. Overall Configuration: FIG. 2 is an explanatory diagram showing a schematic configuration of an automatic transaction device as an embodiment. The automatic transaction device is a device that is installed in a financial institution such as a bank and that performs an automatic deposit / withdrawal process according to a user's operation. The deposit / withdrawal process includes, for example, a deposit in the user's account, a withdrawal from the account,
Examples include loans. In the following embodiments, an automatic transaction device will be described by taking a case of performing deposit / withdrawal processing as an example.The automatic transaction device as an example is a device for performing transactions other than deposit / withdrawal such as issuing a certificate at a public institution. It is also possible to configure.

The automated teller machine (hereinafter referred to as ATM) 100 of the embodiment is applicable to a card (hereinafter referred to as an IC card) on which an IC chip is mounted in addition to the magnetic stripe. A so-called multi-stripe card provided with a plurality of magnetic stripes is also applicable. The schematic structure of the IC card is as shown in FIG. The IC chip may be a contact type or a non-contact type.

The ATM 100 is equipped with the following units in the arrangement shown. The card handling mechanism 105 is a mechanism similar to the card handling mechanism 20 described above with reference to FIG. 1, and has a function of reading information recorded on the magnetic stripe of the IC card and the IC chip. The information recorded on the card includes, for example, an account number, a personal identification number, etc. as account designation information for identifying a customer's account. Account designation information for one account is recorded in the magnetic stripe, and a plurality of account designation information is recorded in the IC chip. Identification information for indicating the type of card is also recorded on each magnetic stripe. This identification information has a content that can uniquely specify whether or not the IC chip is mounted and the card insertion direction in the multi-stripe.

The operation unit 103 is an interface for displaying information for deposit / withdrawal transactions and for inputting operations for deposit / withdrawal. Although the touch panel is used in this embodiment, it may be configured by a combination of a display and a push button switch.

Banknotes are transferred to and from the user through the banknote deposit / withdrawal port 1.
It will be held through 07. At the time of depositing, the banknotes inserted into the banknote deposit / withdrawal port 107 by the user are stored in the banknote handling device 1
It is classified by 10, and classified according to denomination and stored. At the time of withdrawal, the banknote handling apparatus 110 prepares banknotes for the amount of money instructed by the user, and delivers the banknotes from the banknote deposit / withdrawal port 107 to the user. The statement slip issuing mechanism 106 issues a statement slip recording the contents of these transactions.

The ATM 100 can be provided with various units, not limited to the configuration illustrated here. For example, a unit for handling a passbook may be provided in addition to the above units.

The operation of each unit of the ATM 100 described above is controlled by the control unit 120. The control unit 120 is configured as a microcomputer having a CPU and a memory inside. The control unit 120 exchanges information with each unit as indicated by an arrow in the figure, and controls the operation of the entire ATM 100. A
The TM 100 is connected to a host computer 200 of a financial institution via a communication line. Control unit 120
Performs processing relating to deposit / withdrawal while appropriately communicating with the host computer 200.

In the figure, the functional blocks related to the deposit / withdrawal process in the control unit 120 are also shown. In this embodiment, each functional block is configured as software in the control unit 120 and controlled by the main controller 125. Each functional block may be configured as hardware.

The card information input unit 123 controls the card handling mechanism 105 to input card information. The card information input unit 123 includes an MS input unit 123a that controls information input from the magnetic stripe and an IC input unit 123b that controls information input from the IC chip. The card information input unit 123 uses the two according to the instruction of the main control unit 125. The information input from the card is passed to the deposit / withdrawal processing unit 122, which controls the entire deposit / withdrawal processing, via the main control unit 125.

The instruction input / output unit 121 controls the operation unit 103 to display menus and other screens for the user to operate, and to input the search results. The input information is transferred to the deposit / withdrawal processing unit 122 via the main control unit 125. The deposit / withdrawal processing unit 122 is appropriately connected to the communication unit 124.
These pieces of information are transmitted to the host computer 200 via the to perform deposit / withdrawal processing. Further, in the case of a transaction involving the exchange of cash, the deposit / withdrawal processing unit 122 causes the bill handling device 11
Controls 0 to send and receive cash.

The deposit / withdrawal process in this specification does not always involve the transfer of cash. For example, transfer of money amount information, such as transfer from a user's account to another account, is also included in the deposit / withdrawal process.

A2. Modification of Configuration: FIG. 2 shows a configuration example as a so-called ATM installed in a financial institution or the like. As described above, the depositing / withdrawing process includes a process that does not necessarily involve the exchange of cash. Therefore, the automatic transaction device of the present invention can be configured as a server installed on a network.

FIG. 3 shows an automatic transaction device 120 as a modified example.
It is explanatory drawing which shows schematic structure of A. Automatic transaction device 120
A is configured as a Web server connected to the Internet INT. On the Internet INT,
A client computer 300 for a user is connected, and the automatic transaction device 120A realizes various transactions by exchanging information with the client computer 300.

As the client computer 300, a general-purpose personal computer having a network access function can be used. A card reader 301 is connected to the client computer 300,
Card 10 with magnetic stripe and IC chip
You can read the information from. The client computer 300 is provided with a We provided in a language such as HTML.
We installed a browser for browsing page b and provided by the automated teller machine 120A.
Exchange information necessary for transactions through page b. From the client computer 300 to the automatic transaction device 120A
The information transmitted to the card 10 includes information read from the card 10 and various investigation results relating to transactions such as designation of account and amount of money. The information transmitted from the automatic transaction device 120A to the client computer 300 includes:
An operation screen given in the form of a Web page, a control signal for controlling the operation of the card reader 301, and the like are included.

In the automatic transaction device 120A, the same functional blocks as the ATM shown in FIG. 2 are configured by software. The operation is controlled by the main controller 125A. The communication unit 124A controls information exchange with the Internet INT.

The card information input unit 123A controls information input from the card 10 by transmitting a control signal of the card reader 301 to the client computer 300. The card information input unit 123A includes a main control unit 125.
According to the instruction from A, the information input from the magnetic stripe of the card 10 and the information input from the IC chip are switched and executed.

The instruction input / output unit 121A presents an operation screen in the form of a Web page to the client computer 300 and inputs an operation result based on a click of a mouse or the like. The deposit / withdrawal processing unit 122A executes deposit / withdrawal processing based on a user's operation or the like. The deposit / withdrawal process may be performed by communication with a separately prepared host computer as in the case of the ATM shown in FIG. 2, or may be independently performed in the automated teller machine 120A.

In the depositing / withdrawing process shown below, the ATM shown in FIG. 2 will be described as an example for convenience of explanation, but each process can be realized as it is in the configuration of the modification shown in FIG.

A3. Deposit / Withdrawal Processing: FIG. 4 is a flowchart of deposit / withdrawal processing as an embodiment. Control unit 12
The process 0 is executed by using the insertion of a card as a trigger. When this process is started, the control unit 120 inputs the information of the magnetic stripe (MS) of the card (step S10). Here, account information and identification information indicating whether the card is an IC card are stored.

Based on this identification information, it is determined that the inserted card is not an IC card (step S1).
1), the control unit 120 executes a transaction using the information of the magnetic stripe. Therefore, for the account stored in the magnetic stripe, the user is presented with a menu for selecting a transaction item, and the result is input (step S16). An example menu W2 for such selection is shown in the figure.
Was illustrated. In this way, a list of transaction items that can be executed by the magnetic stripe is displayed on the operation unit 103. As illustrated, the account information “account A” recorded in the magnetic stripe may be presented together.

When the transaction item is entered, the control unit 1
20 inputs transaction information such as a personal identification number and the amount of money according to the transaction content (step S17), and performs deposit / withdrawal processing (step S18). Although the deposit / withdrawal process differs depending on the transaction subject, for example, communication of deposit / withdrawal information to / from an account to be traded to the host computer 200, creation of a transaction statement,
This includes filling in a passbook and giving and receiving cash. When the deposit / withdrawal process is completed in this way, the control unit 120 ejects the card (step S19).

On the other hand, when it is determined in step S11 that the IC card is inserted, the control unit 120 inputs the information of the IC chip (step S1).
2) It is determined whether or not the information on the IC chip is readable (step S13). The head of the card handling mechanism 105 is hindered, the IC chip included in the card is hindered, contact failure or reception failure between the two, IC
In some cases, it may not be possible to read all the information of the IC chip due to a problem in the application for reading the information of the chip. In such a case, it is determined that the IC chip cannot be used. When the control unit 120 determines that the IC chip cannot be used (step S13), it does not interrupt the transaction but switches to the transaction using the magnetic stripe and continues (steps S16 to S19).

If it is determined that the IC chip is available, the transaction using the information is continued. The control unit 120 reads the information of the IC chip, presents a menu for selecting a transactable account and a transaction item, and inputs the selection result (step S14). An example of the menu W1 for selection is illustrated in the figure. Since a plurality of account information is recorded on the IC chip, a plurality of accounts to be traded are listed. Some of the accounts listed here are
It may be the same as the account A recorded on the magnetic stripe. The user selects an account to be traded from the accounts listed in the left column, and selects a desired transaction from the transaction items listed in the right column. Here, the case where the account and the transaction item are presented on one screen has been illustrated, but a menu for stepwise selection may be presented. That is, it is possible to first present a menu listing only the accounts, and then present a menu listing the transaction items that can be executed for the account selected on this screen.

In this way, when the account to be traded and the transaction item are input, the control unit 120 inputs the authentication information of the IC chip and performs the authentication process (step S1).
5). The authentication process includes, for example, a process of confirming the validity of the IC card based on the information recorded in the IC chip. Since it is difficult to forge an IC chip, the security of transactions using an IC card can be improved by going through this authentication process.

When the authentication of the IC card is completed, the control unit 120 performs transaction information input and deposit / withdrawal processing (steps S17 and S18), and ejects the card when all processing is completed (step S19).

According to the deposit / withdrawal process as the first embodiment described above, even if the information on the IC chip is unavailable, the transaction can be switched to the transaction using the information on the magnetic stripe, and the transaction itself can be continued. To be done. Therefore, it is possible to avoid the inconvenience that the transaction is interrupted even though the information useful for the transaction can be read from the magnetic stripe,
The convenience of the device can be improved.

A4. Deposit / Withdrawal Processing (Modification): In the deposit / withdrawal processing (FIG. 4) of the first embodiment, the processing in which the magnetic stripe is directed to a single card is illustrated. Next, as a modification,
An example of deposit / withdrawal processing for a multi-striped card will be described.

FIG. 5 is a flowchart of a deposit / withdrawal process as a modified example. The process from the detection of the IC card to the input of the IC chip information is different from that of the first embodiment (FIG. 4). Even with multi-stripe,
The processing when the card is not equipped with an IC chip is the same as in the first embodiment (FIG. 4).

When it is detected that a multi-stripe IC card has been inserted (step S11), the control unit 120 confirms whether or not the card is inserted in the opposite direction (step S11a). This confirmation can be performed by the identification information input in step S10. When the card is inserted in the normal direction, the same deposit / withdrawal process as in the first embodiment is executed (step S1).
2 to S17).

When the card is inserted in the reverse direction, the information of the IC chip cannot be read, as described above with reference to FIG. Therefore, the control unit 120
The card is once ejected and an instruction to reinsert it in the normal direction is given (step S11b). An example W3 of the instruction screen for reinsertion is shown in the figure. This instruction is repeated until the card is inserted in the forward direction. The control unit 120 executes the same deposit / withdrawal process as in the first embodiment when the card is inserted in the forward direction (steps S12 to S17).

Although the case of waiting for the insertion in the forward direction has been exemplified here, the card may be once ejected and an instruction for reinsertion in the forward direction may be issued (step S11b) to complete the deposit / withdrawal process. . In this case, when the user reinserts the card in the normal direction, the flowchart illustrated in FIG. 5 is executed again from the beginning.

According to the processing of the modified example, the same advantages as those of the first embodiment can be obtained even for a multi-stripe card.

B. Second Embodiment: In the first embodiment, the case of switching to the process using only the magnetic stripe when the information input to the IC chip is hindered is illustrated. Second
The embodiment exemplifies a case where the transaction content is controlled stepwise according to the information that can be read from the IC chip. The hardware configuration of the automatic transaction device as the second embodiment is the same as that of the first embodiment (FIG. 2) or its modification (FIG. 3). In the following, for convenience of explanation, the processing content is shown based on the configuration of the first embodiment (FIG. 2).

FIG. 6 is a flowchart of the deposit / withdrawal process as the second embodiment. In the processing of the second embodiment, the transaction information is input (step S12) after the IC chip information is input (step S12) in the first embodiment (FIG. 4).
The processing up to 17) is different.

In the second embodiment, after the information of the IC chip is input, the information obtained here and the information read from the magnetic stripe are mutually complemented to generate complementary information (step S20). An example of generating complementary information is shown in the figure. For example, it is assumed that the account information could be read from the IC chip, but the corresponding authentication information could not be read. On the other hand, it is assumed that the authentication information can be read from the magnetic stripe. In such a case, by supplementing the IC chip information with the authentication information obtained from the magnetic stripe,
It is possible to generate information that should have been originally obtained from the IC chip.

Although an example in which the account information and the authentication information are divided is shown here, the complementary information can be generated in various modes. For example, in the account information obtained from the IC chip, if the last few digits of the predetermined account number are missing, this may be complemented with information from the magnetic stripe. At this time, it is not always necessary to obtain the complete account number from the magnetic stripe, and for example, the first few digits may be missing. Complementary information can be generated as long as the numbers of digits are such that the matching of the account numbers obtained from both the IC chip and the magnetic stripe is generally guaranteed. By generating the complementary information in this way, it becomes possible to widen the range in which transactions can be performed when the reading of the IC chip is hindered.

The control unit 120 sets a transactable account and a subject according to the complementary information thus generated (step S21). Even if the complementary information is generated, there are cases where not all the information that should be obtained from the IC chip is available. In this embodiment, in such a case, instead of immediately switching to the transaction using only the magnetic stripe, the transactionable range is gradually changed within the range of the obtained information.

An example T1 of the tradeable subjects is shown in the figure. The control unit 120 uses the IC for each transaction item.
A table T1 that correlates the range of information obtained from the chips with the transaction availability is stored in advance. In the example in the figure, the transaction availability is associated with the four types of transaction items, “deposit”, “withdrawal”, “transfer”, and “loan”, by the satisfaction rate SI (%) of the authentication information included in the complementary information. Was illustrated. The sufficiency rate SI is a parameter defined in the present embodiment for controlling whether or not transactions are possible, and here, the ratio between the authentication information included in the complementary information and the authentication information that should be originally obtained is used. For example, when the original authentication information has 10 digits, if the complementary information includes all 10-digit information, the sufficiency rate SI is 100%, and if the information includes 8 digits, 80 is satisfied. %.

In the present embodiment, when the sufficiency rate is 100%, it is equivalent to that the reading of the IC chip is not hindered, and therefore transactions are permitted in all transaction items. When 80% ≦ SI <100%, the amount of money is restricted for the transactions “transfer” and “loan” which are considered to require relatively high security levels. Four
When 0% ≦ SI <80%, trading is prohibited for “loans” and withdrawals are restricted to transactions based on the information recorded on the magnetic stripe (MS). For example, the accounts and amounts you can withdraw are
Limited to the range allowed when using the magnetic stripe.
Further, when SI <40%, it is determined that the information of the IC chip can hardly be used, and the contents are limited to a transaction using only the magnetic stripe. In this example, only deposits and withdrawals are allowed. The table T1 shown here is only an example, and the relationship between the content of the complementary information and the transaction availability can be arbitrarily set. When the account and the item that can be traded are set by the above processing, the control unit 120 causes the user to select the account and the item to be traded within the range (step S22).

Next, the control unit 120 rewrites the identification information of the IC card to the content indicating that the IC chip is not mounted when there is a problem in the information input of the IC chip in the conventional processing. (Steps S23, S
24). By rewriting in this way, the IC card is apparently handled as a card without an IC chip. Therefore, even in the conventional automatic transaction device, it is possible to perform the transaction without any trouble based on the information of the magnetic stripe. In the present embodiment, if the reading of the IC chip is hindered, the identification information is all changed, but if it is determined that the card handling mechanism itself is hindered, this processing is skipped. It may be done.

According to the second embodiment, when the information input to the IC chip is hindered, the information in the IC chip and the magnetic storage section are complemented with each other, thereby providing higher security than in the case of using only one of them. It becomes possible to allow transactions at the level. Further, by controlling the range of the deposit / withdrawal process stepwise, even if there is a problem in reading the information from the IC chip, the information can be effectively utilized to execute the transaction.

In the second embodiment, generation of complementary information (step S20) and stepwise control of the transaction range (step S2).
1), the identification information is changed (step S24), but the processes of these three parties may be partially omitted.

[0060]

According to the present invention, the transaction is not interrupted even when the information of the IC chip cannot be obtained completely.
The convenience of the automatic transaction device can be improved.

[Brief description of drawings]

FIG. 1 is an explanatory diagram illustrating a multi-stripe IC card 10.

FIG. 2 is an explanatory diagram showing a schematic configuration of an automatic transaction device as an embodiment.

FIG. 3 is an explanatory diagram showing a schematic configuration of an automated teller machine 120A as a modified example.

FIG. 4 is a flowchart of deposit / withdrawal processing as an example.

FIG. 5 is a flowchart of a deposit / withdrawal process as a modified example.

FIG. 6 is a flowchart of deposit / withdrawal processing as a second embodiment.

[Explanation of symbols] 10 ... Card 11, 12 ... Magnetic stripe 13, 14 ... IC chip 20 ... Card handling mechanism 21, 22 ... Head 23 ... insertion slot 100 ... Automatic transaction device 103 ... Operation unit 105 ... Card handling mechanism 106 ... Statement issuing mechanism 107 ... Banknote deposit / withdrawal port 110 ... Banknote handling device 120 ... Control unit 120A ... Automatic transaction device 121, 121A ... Instruction input / output unit 122, 122A ... Deposit / withdrawal processing unit 123, 123A ... Card information input section 124, 124A ... Communication unit 125, 125A ... Main control unit 200 ... Host computer 300 ... Client computer 301 ... Card reader

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Claims (4)

[Claims] 1. An automatic transaction device for performing transactions according to a user's operation, comprising an information input section for reading information from a card having an IC chip and a magnetic recording section, and at least the IC chip and the magnetic recording section. Based on the information read from one side, if at least a part of the transaction processing unit that performs the transaction processing and the information input from the IC chip has a problem, the information in the magnetic storage unit is used. An automatic transaction device comprising an input unit and a control unit for controlling the transaction processing unit. 2. The automatic transaction device according to claim 1, wherein the control unit sets the range of transaction processing in the transaction processing unit based on the content of information input from the IC chip until the trouble occurs. Automatic transaction device to control. 3. The automatic transaction device according to claim 1, wherein the control unit includes information input from the magnetic storage unit,
Automatically generating information required for the transaction processing from the information input from the IC chip until the trouble occurs, and controlling the transaction processing unit to perform the transaction processing based on the generated information. Trading equipment. 4. The automatic transaction device according to claim 1, wherein the magnetic recording unit has identification information recorded therein indicating whether the IC chip is mounted on the card. An automatic transaction apparatus comprising a changing unit for changing the identification information to a content indicating that an IC chip is not mounted when at least a part of information input from the IC chip has a problem.