JP2019074775A - Ic card magnetic data automatic recovery method and automatic transaction device - Google Patents

Abstract

To recover magnetic data of a cash card safely and securely.SOLUTION: An automatic transaction device reads magnetic data of a card inserted in an ATM. When the magnetic data cannot be read, a guidance image indicating names and appearances of the IC cards whose magnetic data is recoverable is displayed on an operation screen of the ATM. When the card inserted by a user matches any card in the guidance image, a reading head is driven to read IC data in the IC card. An authentication data acquisition process of acquiring the user's personal authentication data is executed using the read IC data, and a recovery request command for requesting recovery of the magnetic data is generated from the read IC data and transmitted to a host computer. When recovery data is received from the host computer, the recovery data is written to the magnetic stripe of the card.SELECTED DRAWING: Figure 4

Description

  The present invention relates to an IC card magnetic data automatic restoration method and an automatic transaction apparatus.

Among cash cards used for deposit and withdrawal transactions at financial institutions, those provided with only a magnetic stripe and those provided with an IC chip are widely used. When a cash card is inserted into the ATM to start a deposit and withdrawal transaction, the ATM first reads the information recorded in the magnetic stripe, authenticates the identity, and starts the transaction.
However, the magnet on the magnetic stripe of a cash card may be lost or destroyed by a magnet used for a smart phone, a mobile phone, a cap of a bag for women, etc.

  In such a case, a cash card reissuance procedure is conventionally required, which not only burdens bank clerks, but also has the problem that the user can not use the cash card until it is reissued. . In order to solve this, various techniques for automatically repairing a cash card and starting a transaction have been proposed.

JP, 2017-084246, A JP, 2009-146014, A Patent No. 5088015 Patent No. 5082718 Patent No. 5712867 gazette

The known prior art has the following problems to be solved.
Recently, cases such as forgery of cash cards have also frequently occurred. Since the data on the magnetic stripe can be easily read by a commercially available card reader / writer, the security is low. However, now that cards other than the IC card are still widely distributed, it is difficult to stop the control of reading the magnetic data and starting the transaction first. On the other hand, data recorded in the IC chip is difficult to read and security is high. Therefore, if the data of the magnetic stripe can not be read, if the data of the IC chip is automatically read and transferred to the magnetic stripe to repair the data, a problem of data leakage also occurs. Furthermore, if the reading head is brought into contact with the card for reading IC data without judging whether the magnetic data can not be read and whether the card is a card other than the IC card, the reading head may be damaged.
The present invention has been made in consideration of the above points, and provides a cash card repair processing method capable of safely and automatically repairing a cash card while securing sufficient security.

  The following configurations are means for solving the above-mentioned problems.

<Configuration 1>
Read the magnetic data of the card inserted in the automated teller machine,
If you can not read this magnetic data,
A guidance image displaying the names or appearances of the IC card capable of recovering magnetic data is displayed on the operation screen of the ATM,
When the user detects that the card inserted by the user matches the card in the guide image, the reading head is driven to read the IC data in the IC card,
Executes user authentication data acquisition processing using the read IC data,
When the personal authentication data acquisition process is completed normally, a repair request command for requesting repair of the magnetic data is generated from the read IC data, and sent to the host computer,
A method of automatically recovering magnetic data of an IC card by ATM, which comprises writing the repaired data to a magnetic stripe of the card when the repaired data is received from a host computer.

<Configuration 2>
Read the magnetic data of the credit card inserted in the automated teller machine,
When this magnetic data can not be read, a guidance image displaying the names or appearances of all types of credit cards capable of recovering the magnetic data is displayed on the operation screen of the ATM,
When the user detects that the card inserted by the user matches the card in the guide image, the reading head is driven to read the IC data in the IC card,
Based on the predetermined data format of the credit card whose type is pointed out by the user, the handling company of the credit card is judged from the data in the read IC data,
Executes user authentication data acquisition processing using the read IC data,
Generate and send a repair request command requesting repair of the magnetic data to the server of the credit card handling company
A method of automatically recovering magnetic data on an IC card by an ATM, comprising the step of writing the repair data on a magnetic stripe of the credit card when the repair data is received from a server of a credit card handling company.

<Configuration 3>
A magnetic read head for reading the magnetic data of the inserted card;
A display control device for displaying on the operation screen of the ATM a guidance image in which the appearance of the IC card capable of recovering the magnetic data is arranged when the magnetic data can not be read;
An IC read head for reading IC data in an IC card when it is detected that the user's operation is confirmed that the card inserted by the user matches the appearance of any card in the guide image ,
The user authentication process using the read IC data is executed, the user authentication process ends normally, and from the read IC data, the repair data corresponding to the repair request command for requesting the host computer to repair the magnetic data is An automated transaction apparatus comprising a magnetic head which, when received, writes repair data to the magnetic stripe of the card.

<Configuration 4>
A magnetic read head for reading the magnetic data of the inserted card;
A display control device for displaying on the operation screen of the ATM a guide image in which the appearance of the credit card capable of recovering the magnetic data is arranged when the magnetic data can not be read;
An IC read head for reading IC data in an IC card when it is detected that the user's operation is confirmed that the card inserted by the user matches the appearance of any card in the guide image ,
Based on the predetermined data format of the credit card whose type is pointed out by the user, the handling company of the credit card is judged from the data in the read IC data, and the authentication of the user is performed using the read IC data When the processing is executed or the data necessary for the personal authentication is acquired and the repair data corresponding to the repair request command for requesting the repair of the magnetic data is received from the server of the credit card handling company, the repair data is The automatic transaction apparatus provided with the magnetic head which writes in the magnetic stripe of the said card | curd.

<Configuration 5>
A computer that controls an automatic transaction apparatus through a network
An IC card magnetic data automatic restoration control program to function as an apparatus for executing the method of configuration 1.

<Configuration 6>
5. A computer-readable recording medium having recorded thereon the IC card magnetic data automatic restoration control program according to Configuration 5.

<Effect of Configuration 1>
Since the read head is driven after determining whether it is an IC card, damage to the read head can be prevented and IC data can be read reliably. Since the personal identification data acquisition process is executed using the IC data, the personal identification can be performed by the ATM, or the host computer can request the personal identification. Since the recovery data is obtained from the host computer, the magnetic data can be recovered securely and reliably.
<Effect of Configuration 2>
The IC data read head can be protected in the same manner as described above. In the case of a credit card, it is possible to perform magnetic data recovery processing corresponding to the unique circumstances of each issuing company.

FIG. 1 is a schematic diagram of an example of a system configuration for implementing the method of a first embodiment. 7 is an operation flowchart of processing of the first embodiment. It is an explanatory view showing an example of a guidance image. It is an operation | movement flowchart following the process of FIG. It is an explanatory view showing an example of a display screen of a restoration completion message. FIG. 7 is a schematic diagram of an example of a system configuration for implementing the method of the second embodiment. FIG. 16 is an operation flowchart of processing of Example 2;

  Hereinafter, embodiments of the present invention will be described in detail for each example.

(System configuration)
FIG. 1 is a schematic diagram of an example of a system configuration for implementing the method of the first embodiment.
The system of this figure performs automatic repair when magnetic data can not be read when the user 12 inserts the cash card 14 into the automated teller machine 10. It is assumed that this card 14 is provided with the magnetic stripe 16 and the IC chip 17 as indicated in the dashed dotted circle. In addition, an automatic transaction apparatus is an apparatus, such as what is called ATM etc. which a financial institution manages and operates for performing deposit and savings transaction using a cash card.

  In order to execute transaction processing by reading the magnetic data of the magnetic stripe 16 into the automatic transaction apparatus 10, the magnetic RW head 20 (read / write head) or IC read head 34, communication control device 22, and display control device 24 And are provided. These general functions are known. The magnetic read head 20 is for reading the magnetic data 18 of the card 14.

  The display control unit 24 controls to display various guidance images 40 necessary for the transaction on the operation screen 26 of the ATM. The IC read head 34 is for reading the IC data 30 in the IC card 14. The magnetic write head 36 is for writing repair data 43 described later on the magnetic stripe 16 of the card 14.

  In the example of this figure, the automatic transaction apparatus 10 is configured to manage and control various operations by the management server 48 through the network 46. The network 46 is, for example, a highly secure local network for the management server 48 to manage a plurality of automated teller machines 10. A host computer 44 is also connected to this network. The same applies to both the first embodiment and the second embodiment, but any network may be adopted as long as it achieves its function. The host computer 44 is, for example, a accounting computer provided in a financial institution that manages and operates the automated teller machine 10.

  The management server 48 includes an arithmetic processing unit 50 and a storage unit 52 for managing and controlling normal deposit and withdrawal transactions and card repair processing. The arithmetic processing unit 50 is provided with a communication control unit 54, an operation screen control unit 56, and a restoration processing control unit 58. These means are modules that execute certain functions provided by the corresponding computer program.

  The communication control means 54 has a function of controlling communication with the automated teller machine 10. The operation screen control means 56 has a function of controlling display of various operation screens on the automatic transaction apparatus 10. The restoration processing control means 58 has a function of displaying an operation screen for executing the method of the present invention and controlling card restoration processing according to a predetermined procedure.

  The storage device 52 stores the magnetic data 18, the IC data 30, the guide image 40, the account identification number 32, the repair request command 42, the repair data 43, and the like in the process of arithmetic processing. The functions and specific data structures of these means will be described in detail in the following embodiments.

FIG. 2 is an operation flowchart of the process of the first embodiment.
First, in step S11, as shown in FIG. 1, the insertion of the card 14 by the user 12 is accepted. At this time, the automatic transaction apparatus 10 reads the magnetic stripe of the card 14 at step S12 as usual. In the next step S13, it is determined whether or not the magnetic data 18 of the card 14 has been read. In this embodiment, if the magnetic data 18 can not be read at all, that is, if the magnetic data is damaged, it is determined that the data can not be read. If this judgment is made, it will progress to step S14. If read, it shifts to normal transaction processing.

  When the magnetic data 18 can not be read, a message for data restoration is displayed in step S14, and in step S15, the guide image 40 on which the names and appearances of the IC card 14 capable of restoring the magnetic data 18 are arranged is displayed on the ATM. It is displayed on the operation screen 26. If there is no type of cash card issued, there may be only a list of names. However, if the card appearances are arranged, the user can easily determine whether the card is applicable. The guide image 40 may be displayed after the card 14 has been ejected so that the user 12 is not lost.

FIG. 3 is an explanatory view showing an example of the guidance image 40. As shown in FIG.
As shown in the figure, among the cash cards issued by the financial institution that manages and operates the automatic transaction apparatus 10, the appearance of the one corresponding to the IC card is displayed on the guidance image 40. The restoration processing control means 58 of the management server 48 executes this control. The user compares this screen with the card inserted by himself / herself, and if there is a corresponding one, inputs the number displayed below it using a keyboard or the like. Alternatively, touch the illustration showing the appearance of the IC card. If no button is operated, the card is returned and the process is terminated.

  That is, when the card 14 inserted by the user 12 matches any card 14 in the guide image 40, there is a corresponding operation. When the restoration processing control means 58 of the management server 48 detects the operation of the user 12 in step S16, the IC reading head 34 of the automatic transaction apparatus 10 is driven in step S17, and the IC data 30 in the IC card 14 is stored. Run a read

  Note that this process is not for knowing what kind of card the user is using. It is only for determining whether the card used by the user is an IC card. It is not appropriate to ask the user directly whether it is an IC card. The user may not understand the meaning of the question. If the magnetic data is broken, it is not appropriate to use the magnetic data because some data can not be read and therefore unreliable.

  If the IC data is read unconditionally without determining whether it is an IC card, the read head may be damaged. If the reading head is brought into contact with anything other than the electrodes of the IC chip, it may collide with the embossment of the card or the like to cause mechanical damage. From this, the method of displaying information as described above and acquiring information for determining whether it is an IC card or not by user operation is adopted. If it is a guidance screen as shown in FIG. 2, the user does not get lost for answers.

  At step S18, the read IC data 30 is temporarily stored in the storage unit 52. Next, in step S19, the account identification number included in the IC data 30, that is, the branch number or the account number is extracted. Thereafter, in step S20, the user is requested to input a password.

  When it is detected in step S21 that the personal identification number has been input, in step S22, from the data including the read IC data 30 and the input personal identification number, the restoration request command 42 for requesting the restoration of the magnetic data 18 is Generate Then, in step S23, the repair request command 42 is transmitted to the host computer 44.

  In this embodiment, the host computer of the financial institution is requested to authenticate the user and generate repair data. The generation of repair data should not be generated except by the financial institution host computer for security reasons. Therefore, in the present invention, even if necessary data is included in the IC data, processing is requested to the host computer.

  On the other hand, for personal authentication, use the PIN code required at the time of card insertion at the start of the transaction. For example, if face authentication or other highly secure authentication processing is possible, before asking the host computer Execution is also possible. Therefore, when data for the personal authentication process is acquired, the repair request command 42 may be transmitted to the host computer after the authentication process.

FIG. 5 is an operation flowchart following the process of FIG.
When the repair request command 42 is sent to the host computer 44, the host computer carries out an authentication process using the account identification number 32 and the password contained in the received IC data 30. This is similar to the authentication process before the start of the normal deposit and withdrawal transaction.

  When this authentication is unsuccessful, a response indicating that authentication is not possible is received from the host computer 44 to the management server 48. At that time, the judgment result of step S31 in FIG. 5 is negative, and the card is returned. On the other hand, when the authentication process is successful and the contents of the IC data 30 are confirmed, the host computer 44 sends back the repair data 43.

  When the repair data 43 is received from the host computer 44, the process proceeds from step S31 to step S32, and the repair data 43 is written to the magnetic stripe 16 of the card 14. That is, the process of recovering the magnetic data 18 of the magnetic stripe 16 is executed. Then, in step S33, a repair completion message is displayed on the operation screen 26 of the automatic transaction apparatus 10.

FIG. 4 is an explanatory view showing an example of a display screen of the restoration completion message.
On this screen, the user is asked if he should proceed with the normal trading. When the user operates the "YES" key, a normal transaction is executed in step S35. In addition, although all the cards 14 managed by the bank can be repaired as described above, in the case of the credit card 14, any bank can not repair data. In that case, the method of Example 2 is adopted.

FIG. 6 is a schematic diagram of an example of a system configuration for implementing the method of the second embodiment.
This figure shows a system capable of recovering magnetic data of a credit card. Most of this system is similar to that shown in FIG. The parts having the same functions as in FIG. 1 are given the same reference numerals. Also in this embodiment, the automatic transaction apparatus 10 can be used to recover magnetic data of a credit card.

  Connected to the network 46 is a host computer 44 of a credit card company. Further, the storage device 52 stores data indicating the data format 62 of the credit card which is different for each credit card handling company. Furthermore, a handling company code 64 is stored to distinguish the credit card handling company.

  Since all credit cards 14 are IC cards 14, reading of IC data 30 is possible. However, since the data format 62 differs for each issuing company, the appearances 60 or issuing company names of all the credit cards that can be handled are displayed side by side in the same format as in the first embodiment. Since the form is as shown in FIG. 3, the illustration is omitted. As a result, the credit card can be recognized and the magnetic data can be repaired.

FIG. 7 is an operation flowchart of the process of the second embodiment.
The second half of the process of the second embodiment is similar to the process shown in FIG. 5 of the first embodiment, so the process up to immediately before that is shown in FIG. First, in step S41, the appearance 60 of the credit card is displayed in the format as shown in FIG. 3, and it is determined in step S42 whether any credit card 14 is pointed out.

  If the judgment result is "yes", the process proceeds to step S43. If no, return the card to the user. In step S43, the IC data 30 of the credit card is read. Then, in step S44, the read data is temporarily stored in the storage device 52.

  When the user selects the credit card appearance 60, the data format 62 of the corresponding handling company can be referenced. As a result, at step S45, the handling company code 64 can be extracted from the IC data 30. Thereafter, at step S46, the user 12 is requested to input a password, and at step S47 the password is included in the repair request command 42. Finally, at step S48, the issuing company side is requested to perform an authentication process.

  The subsequent processing is the same as that of the first embodiment described in FIG. 5, and the restoration of the magnetic data of the credit card is completed. In the case of a credit card, although the procedure is slightly different, in any case, IC data is sent to the host computer and repair data is received from the host computer, so that highly secure repair is possible.

  Credit card companies do not have their own ATMs. Moreover, the data format of the IC data is set independently. Therefore, the necessary data is extracted and the repair request command 42 is generated by the above procedure, and sent to the credit card handling company. Thus, the convenience of the user can be improved by enabling the card to be repaired by communication with the ATM of the financial institution.

10 Automatic transaction apparatus 12 User 14 Card 16 Magnetic stripe 17 IC chip 18 Magnetic data 20 Magnetic reading head 22 Communication control unit 24 Display control unit 26 Operation screen 30 IC data 32 Number for account identification 34 IC reading head 36 Magnetic writing head 38 IC card appearance 40 guidance image 42 repair request command 43 repair data 44 host computer 46 network 48 management server 50 arithmetic processing unit 52 storage device 54 communication control means 56 operation screen control means 58 repair process control means 60 credit card appearance 62 Data format 64 Handling company code 66 Handling company host computer

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Claims (6)

Read the magnetic data of the card inserted in the automated teller machine
If you can not read this magnetic data,
A guidance image displaying the names or appearances of the IC card capable of recovering magnetic data is displayed on the operation screen of the ATM,
When the user detects that the card inserted by the user matches the card in the guide image, the reading head is driven to read the IC data in the IC card,
Executes user authentication data acquisition processing using the read IC data,
When the personal authentication data acquisition process is completed normally, a repair request command for requesting repair of the magnetic data is generated from the read IC data, and sent to the host computer,
A method of automatically recovering magnetic data of an IC card by ATM, which comprises writing the repaired data to a magnetic stripe of the card when the repaired data is received from a host computer. Read the magnetic data of the credit card inserted in the automated teller machine,
If you can not read this magnetic data,
A guide image showing the names or appearances of all types of credit cards that can be handled is displayed on the operation screen of the ATM,
When the user detects that the card inserted by the user matches the card in the guide image, the reading head is driven to read the IC data in the IC card,
Based on the predetermined data format of the credit card whose type is pointed out by the user, the handling company of the credit card is judged from the data in the read IC data,
Executes user authentication data acquisition processing using the read IC data,
Generate and send a repair request command requesting repair of the magnetic data to the server of the credit card handling company
A method of automatically recovering magnetic data on an IC card by an ATM, comprising the step of writing the repair data on a magnetic stripe of the credit card when the repair data is received from a server of a credit card handling company. A magnetic read head for reading the magnetic data of the inserted card;
A display control device for displaying on the operation screen of the ATM a guidance image in which the appearance of the IC card capable of recovering the magnetic data is arranged when the magnetic data can not be read;
An IC read head for reading IC data in an IC card when it is detected that the user's operation is confirmed that the card inserted by the user matches the appearance of any card in the guide image ,
The user authentication process using the read IC data is executed, the user authentication process ends normally, and from the read IC data, the repair data corresponding to the repair request command for requesting the host computer to repair the magnetic data is An automated transaction apparatus comprising a magnetic head which, when received, writes repair data to the magnetic stripe of the card. A magnetic read head for reading the magnetic data of the inserted card;
A display control device for displaying on the operation screen of the ATM a guide image in which the appearance of the credit card capable of recovering the magnetic data is arranged when the magnetic data can not be read;
An IC read head for reading IC data in an IC card when it is detected that the user's operation is confirmed that the card inserted by the user matches the appearance of any card in the guide image ,
Based on the predetermined data format of the credit card whose type is pointed out by the user, the handling company of the credit card is judged from the data in the read IC data, and the authentication of the user is performed using the read IC data When the processing is executed or the data necessary for the personal authentication is acquired and the repair data corresponding to the repair request command for requesting the repair of the magnetic data is received from the server of the credit card handling company, the repair data is The automatic transaction apparatus provided with the magnetic head which writes in the magnetic stripe of the said card | curd. A computer that controls an automatic transaction apparatus through a network
An IC card magnetic data automatic restoration control program which functions as an apparatus for executing the method according to claim 1. A computer readable recording medium recorded with the IC card magnetic data automatic restoration control program according to claim 5.

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