JP5417224B2 - Transaction processing apparatus and transaction processing method - Google Patents

Description

  The present invention relates to a transaction processing apparatus and a transaction processing method that allow transactions using, for example, an information processing medium having a credit function and a cash function.

  Conventionally, many credit cards with IC chips have been used in financial institutions (banks, convenience store ATMs, postal savings, etc.). These financial institutions tie up with a credit card company and store the transaction account of the financial institution on the IC chip of the credit card. Thereby, a credit transaction is enabled by the magnetic part of the credit card, and an account transaction is enabled by the IC chip part of the credit card.

  The specifications of such a credit card with an IC chip are standardized by financial institutions. In the credit card with IC chip used in ATM, the transaction information of the credit company is described in the account recorded in the magnetic part, and the transaction information of the cash (financial institution) is described in the account recorded in the IC chip. It has been decided.

  As an apparatus for processing such a credit card with an IC chip, an automatic transaction apparatus compatible with an IC chip-mounted card has been proposed (see Patent Document 1). This automatic transaction apparatus does not read information from an IC chip when using a credit transaction function for an account recorded in a magnetic recording unit.

  In addition, an automatic transaction apparatus and an automatic transaction system have been proposed (see Patent Document 2). This system makes it possible to select whether a bank card or a credit card is to be traded, and to display a transaction item corresponding to the selected card.

  However, these prior documents only handle credit (magnetic) and cash (IC chip) separately, and further effects are desired.

Japanese Patent No. 3949422 JP 2009-238247 A

  In view of the above-described problems, an object of the present invention is to provide a transaction processing apparatus and a transaction processing method for executing high-security processing using both financial institution information and credit transaction information. .

The present invention includes a medium processing unit that exchanges information with an information processing medium that allows financial processing, an input unit that receives a user's operation input, an operation input received by the input unit, and the medium processing unit. And a transaction processing unit that executes transaction processing based on information read from the information processing medium, wherein the medium processing unit performs information processing related to an account of a financial institution as the information processing medium. A structure for accepting a composite information processing medium comprising a permissible financial institution-type information section and a credit transaction-type information section that allows information processing related to other credit transactions that do not directly use the account of the financial institution, the financial institution A financial institution processing unit that exchanges information with the system information unit,
A credit transaction system processing unit for exchanging information with the credit transaction system information unit, and the input unit is a financial institution system process using the financial institution system processing unit and a credit transaction system processing unit. It is a configuration that accepts any operation input of transaction processing and whether to execute either of the financial institution processing or the credit transaction processing for the composite information processing medium received by the medium processing section. Regardless of whether the financial institution system processing unit is used to access the information processing medium, the access to the information processing medium includes an authentication execution unit that executes authentication processing using the financial institution system processing unit, The authentication execution unit is a transaction processing apparatus configured to execute authentication by a process according to a balance inquiry .

  According to the present invention, it is possible to provide a transaction processing apparatus and a transaction processing method for executing processing with high security using both financial institution information and credit transaction information.

The schematic block diagram of the transaction processing system by ATM and a host computer. The block diagram which shows the internal structure of the principal part of ATM. The block diagram which shows the internal structure of the principal part of a host computer. The block diagram of the transaction account determination data for determining a transaction account. The flowchart of the operation | movement which the main control part of ATM performs. The flowchart of the operation | movement which the main control part of ATM performs. Explanatory drawing which shows the structure of the screen of ATM. Explanatory drawing which shows the structure of the screen of ATM. The flowchart which shows operation | movement of IC card authentication processing. 10 is a flowchart of operations executed by the main control unit of the ATM according to the second embodiment. 10 is a flowchart of operations executed by the main control unit of the ATM according to the second embodiment. FIG. 6 is an explanatory diagram illustrating a configuration of an ATM screen according to the second embodiment. 9 is a flowchart illustrating an operation of an IC card authentication process according to a third embodiment.

  An embodiment of the present invention will be described below with reference to the drawings.

  FIG. 1 is a schematic configuration diagram showing a transaction processing system 20 in which an ATM 1 as a transaction processing device as a transaction processing device and a host computer 21 as a host device are connected. FIG. 2 is a block diagram showing an internal configuration of a main part of the ATM 1. FIG. 3 is a block diagram showing the internal configuration of the main part of the host computer 21.

  As shown in FIG. 1, the transaction processing system 20 is configured such that an ATM 1 and a host computer 21 are communicably connected via a network 19. Although one ATM 1 is shown in FIG. 1, in the transaction processing system 20, a plurality of ATMs 1 are generally connected to the network 19.

  As shown in FIG. 2, the ATM 1 includes a main control unit 12, a customer guidance display / operation unit 3 as an input unit, a banknote processing unit 7, a coin processing unit 6, and a card / specification as a medium processing unit. A processing unit 4, a passbook processing unit 5, a customer detection unit 9, a communication processing unit 10, a storage unit 11, and a main body power supply unit 14 are provided. This ATM 1 is installed in a financial institution's store, convenience store, or the like, and processes a type of transaction requested by a user (such as a deposit transaction or a withdrawal transaction). The main control unit 12 controls the operation of each unit. The storage unit 11 stores various information necessary for transaction processing of the ATM 1 and each control program.

  The customer guidance display / operation unit 3 includes a display (not shown) provided on the front surface of the main body and a touch panel (not shown) attached on the screen of the display. The customer guidance display / operation unit 3 displays an operation guidance screen for the user on the display. Further, the customer guidance display / operation unit 3 detects a pressing position of the touch panel, and accepts a user's input operation relating to a personal identification number and transaction details (transaction type, deposit / withdrawal amount, etc.). Further, the customer guidance display / operation unit 3 may include a biometric information reading unit that reads biometric information of a user (fingerprint, finger vein, palm print, etc.).

  The card / detail processing unit 4 takes in an information processing medium inserted into a card insertion slot (not shown) provided on the front of the main body and a card 8 as a composite information processing medium, and stores card information ( Financial institution number, store number, account number, etc.) and rewrite card information.

  The card / detail processing unit 4 includes a magnetic processing unit 4a for processing a magnetic card and an IC chip processing unit 4b for processing an IC chip, and an IC chip as a financial institution system information unit as shown in the figure. With respect to the card 8 having both the magnetic stripe 8b as the credit transaction system information unit 8a, it is possible to process both the IC chip 8a and the magnetic stripe 8b. Further, the card / detail processing unit 4 has a printing unit (not shown) for printing transaction contents on the specification. The card / specification processing unit 4 discharges the specification printed with the transaction contents to a specification release port (not shown) provided on the front face of the main body.

  The passbook processing unit 5 has a printing unit (not shown) that takes in a passbook inserted into a passbook insertion port (not shown) provided on the front of the main body and prints a transaction history on the passbook. In addition, the passbook processing unit 5 is recorded on a page turning mechanism for turning over the page of the imported passbook, a bar code reader for reading a bar code indicating a page number printed on the passbook, and a magnetic stripe attached to the passbook. It also has a magnetic head or the like that reads the bankbook information (financial institution number, store number, account number, etc.).

  The coin processing unit 6 is formed along a coin conveyance path formed between a coin deposit / withdrawal port (not shown) provided on the front of the main body and a denomination type coin cartridge (not shown) housed inside the main body. It has a coin conveyance part (not shown) which conveys a coin. Moreover, the coin process part 6 has a coin discrimination part (not shown) which discriminate | determines a money type and authenticity for every coin currently conveyed along a coin conveyance path.

  The banknote processing part 7 is along a banknote conveyance path formed between a banknote deposit / withdrawal port (not shown) provided on the front of the main body and a denomination banknote cartridge (not shown) housed inside the main body. It has the banknote conveyance part (not shown) which conveys a banknote. Moreover, the banknote process part 7 has a banknote discrimination part (not shown) which discriminates a money type and authenticity for every banknote currently conveyed along the banknote conveyance path.

  The customer detection part 9 has a sensor (not shown), and is attached to the front panel of the ATM1 main body. Therefore, the main control unit 12 puts each processing unit necessary for transaction processing in a standby state by detecting the user located on the front surface of the ATM 1 main body with the sensor and notifying the main control unit 12 of the presence of the user. Transition.

  The communication processing unit 10 controls data communication with the host computer 21 installed in the center.

  The main control unit 12 controls the operation of each part of the main body. Also, information necessary for control of each control unit is read from the storage unit 11 and information is recorded as necessary. In addition, power supply from the main body power supply unit 14 to each control unit is controlled. In addition, information necessary for transaction processing to the host computer 21 is transmitted / received via the communication processing unit 10.

  FIG. 3 is an explanatory diagram showing the internal configuration of the host computer 21. The host computer 21 includes a host computer control unit 26, a line connection unit 22, a file unit 23, and an account information file control unit 27.

  The line connection unit 22 is used to connect the host computer to the network. Thereby, ATM1 and the host computer 21 are connected.

The file unit 23 includes an account information file 24, various files 25, and the like.
The account information file 24 stores user account information, and the account information includes user password information.
The various files 25 store transaction content information, for example.

The host computer control unit 26 controls the host computer 21 and processes data.
The account information file control unit 27 controls the account information file 24. The account information file control unit 27 performs authentication by comparing the personal identification number information included in the data received from the ATM 1 with the personal identification number included in the account information file 24. This authentication result is sent to ATM1. As a result, it is determined whether the password entered in ATM 1 is acceptable. The comparison of the password information may be performed by the host computer control unit 26.

FIG. 4 shows a configuration diagram of transaction account determination data 30 for determining a transaction account (a cash transaction account that is a financial institution account, a credit account that is a credit transaction account).
The transaction account determination data 30 includes items of a transaction account and a transaction type.
The transaction account stores two types of cash transactions (financial institution transactions) and credit transactions (credit transactions).

  In the transaction type, a type is stored for each transaction account. As cash transactions, withdrawals, deposits, transfers, transfers, balance inquiries, and bankbook entries are stored. As credit transactions, cashing, repayment, and referrals are stored.

  Different types of transactions are stored for each transaction account, and there are no duplicate types. Therefore, if the transaction type is selected, it can be determined whether the transaction account is a cash transaction or a credit transaction.

  5 and 6 are flowcharts showing the operation of the customer service executed by the main control unit 12 of the ATM 1 described above, and FIGS. 7 and 8 are displayed on the customer guidance display / operation unit 3 of the ATM 1 in the customer service process. It is explanatory drawing which shows the structure of the screen to do. Here, the customer service process refers to the entire process from displaying the guidance to the user, accepting the insertion of the card 8 and ending the transaction, and includes a transaction process as a part thereof. The transaction process refers to an actual transaction process such as a credit transaction or a cash transaction after completion of a pre-process such as transaction type selection and authentication.

  As shown in FIG. 5, the main control unit 12 that has started the customer service process displays a transaction start screen 41 shown in FIG. 7A (step S1). The transaction start screen 41 displays “I welcome you card” Please insert "and a message requesting insertion of the card 8 is displayed.

  The main control unit 12 executes a medium processing step that waits until a card is inserted (step S2: No). When the card / detail processing unit 4 detects card insertion (step S2: Yes), the card 8 Magnetic information is acquired (step S3). Here, the magnetic information refers to information stored in the magnetic stripe 8b (see FIG. 2) of the card 8. The magnetic information includes credit transaction information for using the credit transaction function when the card 8 has a credit transaction function.

  The main control unit 12 determines the card type based on the read magnetic information (step S4). Here, it is determined whether the credit card has a credit transaction function or a cash card having a cash transaction function. In addition, for a cash card, it is determined whether it is a self-bank / other bank card or a postal saving card. Thereby, the subsequent processing can be switched between the credit card and the cash card.

  When the card type is the own bank / other bank card, the main control unit 12 executes the own bank / other bank card process (step S5). With this processing, normal processing using a bank-type cash card is executed.

  If the card type is a postal saving card, the main control unit 12 executes normal processing using a postal saving cash card (step S6). By this processing, normal processing using a postal saving cash card is executed.

  When the card type is a credit card, as shown in FIG. 6, the main control unit 12 determines whether or not there is a forward IC chip 8a for the card 8 (step S7).

  When there is no IC chip 8a (step S7: No), the main control unit 12 executes a credit card process without an IC chip (step S8). In the credit card processing without an IC chip, transaction processing such as “inquiry”, “caching”, and “repayment” is executed using only the magnetic stripe 8b.

  When there is the IC chip 8a (step S7: Yes), the main control unit 12 displays the transaction account selection guide screen 43 shown in FIG. 7B on the customer guidance display / operation unit 3 and receives an input. Is executed (step S9). On this transaction account selection guide screen 43, “Please select the desired account.” Is displayed asking for selection, and a cash card button 43a and a credit card button 43b are also displayed.

  The main control unit 12 waits until a transaction account is selected by selecting either the cash card button 43a or the credit card button 43b (step S10: No), and when selected (step S10: Yes), it is determined whether or not the credit card button 43b has been selected (step S11).

  When the credit card is not selected (step S11: No), the main control unit 12 executes an IC chip authentication process (normal) using the IC chip 8a of the card 8 (step S12). This IC chip authentication process (normal) is a normal authentication process executed at the time of cash transaction. Further, since this IC chip authentication process (usually) requires a certain amount of time because communication with the host computer 21 is required, the main control unit 12 waits during IC card authentication shown in FIG. A screen 45 is displayed on the customer guidance display / operation unit 3. The IC card authentication standby screen 45 displays a message that “This ATM is compatible with an IC card. Please wait (IC card authentication is in progress)” and that the authentication process is in progress.

  In the case of authentication OK (step S13: Yes), the main control unit 12 displays the personal identification number input guide screen 47 of FIG. 8A on the customer guidance display / operation unit 3 (step S14). This password number input guidance screen 47 is an input for displaying "Please press the password number" and a guidance section for displaying a guidance requesting the input of the password number, with one mark incremented each time the password number is entered. A digit number display section 47a is provided.

  When the personal identification number is input, the main control unit 12 executes various transaction processes (transaction process steps) (step S15). This transaction processing differs depending on the processing that has been performed so far, such as allowing only credit transactions, allowing only cash transactions, or allowing both credit transactions and cash transactions. Here, the control unit 12 that executes credit transactions (credit transaction processing) functions as a credit transaction processing unit, and the control unit 12 that executes cash transactions (financial processing) functions as a financial institution processing unit. To do.

  When only credit transactions are performed, a credit transaction start screen 49 shown in FIG. 8B may be displayed on the customer guidance display / operation unit 3. The credit transaction start screen 49 is provided with a caching button 49a for performing a caching process, a repayment button 49b for performing a repayment process, and an inquiry button 49c for performing an inquiry process.

  When conducting a cash transaction, the transaction history (transaction record) is stored in the host computer 21. The stored cash transaction information may be transaction information such as withdrawal, deposit, bankbook entry, balance inquiry, and transfer.

  When it is authentication NG in step S13 (step S13: No), the main control unit 12 executes an authentication NG process (step S16). The main control unit 12 that performs this authentication NG process displays an error message indicating that an authentication error has occurred on the customer guidance display / operation unit 3, and returns the card 8 from the customer guidance display / operation unit 3.

When it is determined in step S11 that the credit card button 43b has been selected (step S11: Yes), the main control unit 12 executes an IC chip authentication process (for credit) (step S17). This IC chip authentication process (for credit) is executed in the backyard without displaying anything on the screen of the customer guidance display / operation unit 3, and details thereof will be described later.
In the conventional process, when a credit transaction is selected, the IC chip authentication process that is processed at the time of the cash transaction is not performed. However, by performing this IC chip authentication process (for credit), the cash transaction is also performed in the credit transaction. Is added to the card 8.

  If the authentication is OK (step S18: Yes), the main control unit 12 advances the processing to various transaction processes in step S15.

  If it is authentication NG (step S18: No), the main control unit 12 executes authentication NG processing (step S19). The main control unit 12 that performs this authentication NG process displays an error message indicating that an authentication error has occurred on the customer guidance display / operation unit 3, and returns the card 8 from the customer guidance display / operation unit 3.

FIG. 9 is a flowchart showing the operation of the main control unit 12 that executes the IC card authentication process (for credit). This IC card authentication process (for credit) can also be called a progress process.
First, the main controller 12 supplies power to the IC chip 8a of the card 8 to activate the IC chip 8a so as to be operable (step S21).

  If it can be activated (step S22: Yes), the main control unit 12 executes the IC card authentication process 1 (step S23). In this IC card authentication process 1, for example, a selection activation confirmation process for instructing the IC chip 8a to select or activate an application (selection or activation based on a command base) and confirm that the selection or activation has been normally performed. Appropriate processing such as application data reading confirmation processing for instructing reading of application data and confirming that the reading has been performed normally, or both, is executed.

  The IC card authentication process 1 is performed before full-scale authentication is performed, but the IC card authentication process 1 itself is also used as a pre-authentication process. That is, if the application cannot be selected or activated, or if the application data cannot be read normally, the IC chip 8a is considered not a genuine product, and this confirmation itself is authentication.

If all the processes are normal (step S24: Yes), the main control unit 12 executes the IC card authentication process 2 (step S25). This IC card authentication process 2 includes SAM (Secure Application Module) authentication (step S26).
SAM authentication is authentication by an authentication module that authenticates whether the card 8 has been issued normally, and is determined by ATM1.

  If the IC card authentication process 2 can be processed normally (step S27: Yes), the main control unit 12 executes a personal authentication process as a host authentication process (step S28). This personal authentication process is a process for requesting authentication from the host computer 21.

  At the time of this personal authentication, the main control unit 12 transmits the PIN and the magnetic information of the magnetic stripe 8b to the host computer 21 using the message format of the balance inquiry. Here, the PIN is appropriate information capable of authenticating the user, such as having the person input a personal identification number to obtain the inputted personal identification number, or reading the biological information to obtain the biometric information read.

  Receiving this, the host computer 21 determines whether or not the user of the card 8 is the principal using the PIN and magnetic information. Since the electronic message is a balance inquiry message, the host computer 21 executes personal authentication at a security level similar to that at the balance inquiry time. In addition, the received message has a configuration including card data, PIN, and account information in the case of a normal balance inquiry. However, in the personal authentication using the message format of the balance inquiry, the configuration includes at least a PIN and magnetic information. can do. The host computer 21 does not perform balance processing itself. Accordingly, although the personal identification of the balance inquiry which is a cash transaction function is used, the balance inquiry itself is not performed, so that the balance inquiry does not remain in the transaction history (transaction record) of the user's bank account. In other words, by not performing the transaction itself using only transaction authentication, it is possible to complete the processing in the backyard, and the personal authentication used in the cash transaction function can be used without leaving an unnecessary transaction history.

If the personal authentication is OK (step S29: Yes), the main control unit 12 ends the IC card authentication process (for credit).
When activation is not possible at step S22 described above (step S22: No), when even one process is not normal at step S24 (step S24: No), when normal processing is not possible at step S27 (step (S27: No), when it is authentication NG in step S29 (step S29: No), the main control unit 12 executes an IC card NG process (step S30). The main control unit 12 that performs the IC card NG process displays an error display screen indicating the error content that is the reason for the NG on the customer guidance display / operation unit 3, and returns the card 8 from the card / detail processing unit 4. .

  In the series of IC card authentication processes (for credit) as the authentication process using the financial institution system processing unit, steps S21 to S27 are terminal authentication processes that can be executed by the ATM 1 as a single unit. S 28 to S 29 are host authentication processing executed by the host computer 21. And the main control part 12 which performs this series of IC card authentication processes (for credit) functions as an authentication execution part.

  With the above configuration and operation, it is possible to execute a highly secure process using both cash transaction information, which is financial institution information, and credit transaction information, which is credit transaction information.

  Further, even when a credit transaction using the magnetic stripe 8b is performed, the authentication accuracy of the personal authentication can be improved because the IC chip 8a is accessed.

  In addition, as authentication prior to credit transactions, while performing identity verification using the balance inquiry message format for cash transactions, transactions without balance inquiry without including account information are not performed. It is possible to perform identity authentication and process without leaving an unnecessary history such as balance inquiry in the transaction history of cash transactions.

  Further, since the magnetic stripe 8b of the card 8 is mainly used for credit transactions and the IC chip 8a of the card 8 is mainly used for cash transactions, various transactions can be used in different ways. Of these, the security level can be remarkably improved by using the IC chip 8a for cash transactions in credit transactions.

  In addition, since the credit transaction uses the magnetic stripe 8b, the security level is lower than that of the IC chip 8a. By using the IC chip 8a for authentication of the credit transaction, authentication with a high security level can be performed even in the credit transaction. can do. Therefore, it is possible to execute a transaction after confirming that the credit card has a high authenticity of authenticity.

  In addition, when a financial institution (such as a bank) creates (affiliates) a partner card with a credit company, it is necessary to pass PCI DSS (Payment Card Industry Data Security Standard), which is a security standard for protecting credit card information. Even if a credit card is used in a terminal that does not comply with the PCI DSS security standards, an IC cashier card unified by a financial institution is obtained by executing authentication using the IC chip 8a. The credit transaction with high reliability based on the standard specification of is possible.

  Further, for example, in the case of a continuous transaction in which a cash transaction is executed after a credit transaction is executed, a waiting time for activating the IC chip 8a in the cash transaction can be omitted. That is, since the activation of the IC chip 8a is completed in the previous credit transaction, the cash transaction can be executed by immediately accessing the IC chip 8a in the subsequent cash transaction. Therefore, it is possible to eliminate the time that the IC card authentication standby screen 45 shown in FIG.

  Note that the IC card authentication process (for credit) described in the first embodiment may have only steps S21 to S22 and S30. In this case, only the activation of the IC chip 8a is used as the authentication process, and the process can be completed in a short time.

  Further, the IC card authentication process (for credit) may have only steps S21 to S27 and S30. In this case, it is possible to perform the authentication that is completed only by the ATM 1 by the activation of the IC chip 8a and the IC card authentication process 1 and the IC card authentication process 2, and the authentication may be completed without performing communication with the host computer 21. it can. In this case as well, the process can be completed in a shorter time than the IC card authentication process (for credit) of the first embodiment.

  Next, the operation of the second embodiment in which the processing order is changed so as to select the transaction type first will be described. Since the transaction processing system 20 having the same ATM 1, network 19, and host computer 21 as in the first embodiment is used in the second embodiment, detailed description of the configuration is omitted.

  10 and 11 are flowcharts showing the operation of the customer service process executed by the main control unit 12 of the ATM 1. FIG. 12 shows the configuration of the screen displayed on the customer guidance display / operation unit 3 of the ATM 1 in the customer service process. It is explanatory drawing shown.

  As shown in FIG. 10, the main control unit 12 that has started the customer service process displays the transaction start screen 61 shown in FIG. 12A (step S41). The transaction start screen 61 displays “Welcome to you. "Please press the transaction", a message prompting you to select the transaction type is displayed. Further, the transaction start screen 61 is provided with a withdrawal button 61a, a deposit button 61b, a passbook entry button 61c, a balance inquiry button 61d, a transfer button 61e, and a credit card button 61f.

  The main control unit 12 waits until the transaction type is selected (step S42: No). When the transaction type is selected (step S42: Yes), the card insertion guidance screen 63 shown in FIG. Displayed on the guidance display / operation unit 3.

  The main control unit 12 waits until the card 8 is inserted (step S44: No), and when detecting the insertion of the card 8 (step S44: Yes), the selected transaction type and the card information of the inserted card 8 are detected. A trading account is determined from the above (step S45). Here, it is determined whether the credit card has a credit transaction function or a cash card having a cash transaction function. In addition, for a cash card, it is determined whether it is a self-bank / other bank card or a postal saving card. Thereby, the subsequent processing can be switched between the credit card and the cash card.

  When the card type is the own bank / other bank card, the main control unit 12 executes the own bank / other bank card process (step S46). With this processing, normal processing using a bank-type cash card is executed.

  If the card type is a postal saving card, the main control unit 12 executes normal processing using a postal saving cash card (step S47). By this processing, normal processing using a postal saving cash card is executed.

  When the card type is a credit card, as shown in FIG. 11, the main control unit 12 determines whether or not there is a forward IC chip 8a for the card 8 (step S48).

  Since Steps S48 to S49 and Steps S51 to S59 are the same as Steps S7 to S8 and Steps S11 to S19 of the first embodiment, detailed description thereof will be omitted.

  When there is the IC chip 8a (step S48: Yes), the main control unit 12 determines whether it is a credit transaction or a cash transaction by comparing the transaction type selected in step S42 with the transaction account determination data 30 (step S50). ), And the subsequent processing is executed according to the determination of whether or not the credit is received (step S51).

With the above configuration, the same effects as those of the first embodiment can be obtained.
Further, if the transaction type is directly specified in step S41, it is possible to determine whether the transaction is a credit transaction or a cash transaction using the transaction account determination data 30, so that the user can directly select a credit transaction or a cash transaction. The screen 43 (see Example 1) can be omitted, and convenience can be improved.

  In the first embodiment, the card 8 is inserted first, and a transaction (credit transaction or cash transaction) suitable for the card 8 is selected. According to the second embodiment, the card 8 is inserted. The transaction type can be selected before.

  Next, a third embodiment in which the flow of the IC card authentication process (for credit) is different will be described. In this third embodiment, since the transaction processing system 20 having the same ATM 1, network 10 and host computer 21 as in the first embodiment is used, detailed description of the configuration is omitted.

FIG. 13 is a flowchart showing the operation of the IC card authentication process (for credit) executed by the main control unit 12 of ATM1.
Steps S71 to S72 are the same as steps S21 to S22 of the first embodiment described above, and thus detailed description thereof is omitted.

  If the IC chip 8a can be activated (step S72: Yes), the main control unit 12 executes an IC card authentication process (basic) (step S73). This IC card authentication process (basic) is a process excluding the SAM authentication (step S26) in the IC card authentication process 2 (step S25) described in the first embodiment. That is, basic IC card authentication processing is executed.

  If the process can be performed normally (step S74: Yes), the main control unit 12 executes the person / card authentication process (step S75). This personal / card authentication process is a process in which the host computer 21 authenticates, and executes both the “personal authentication process” and the “card authentication process”. The personal authentication process executes the same process as step S28 of the first embodiment. The card authentication process is a process in which the host computer 21 authenticates whether or not the card 8 is a regular card.

  If the authentication is OK (step S76: Yes), the main control unit 12 ends the process.

  In the above-described series of IC card authentication processes (for credit card) as an authentication process using a financial institution system processing unit, steps S71 to S74 and step S77 are all terminal authentication processes that can be executed alone by ATM1, which is a terminal. Steps S75 to S76 are host authentication processing executed by the host computer 21. The main control unit 12 that executes this series of IC card authentication processing (for credit card) functions as an authentication execution unit.

With the above configuration and operation, the same effects as in the first embodiment can be obtained.
Further, the IC card authentication process (for credit card) can be simplified as compared with the first embodiment, and the process can be completed in a shorter time.

  In each of the above embodiments, two access methods of the IC chip 8a and the magnetic stripe 8b are used as the card 8. However, the present invention is not limited to this, and credits can be obtained using appropriate access methods with physically different access methods. You may make it the structure which uses transaction and cash transaction separately. Even in this case, the same effect can be obtained.

  In each of the above-described embodiments, the card transaction information is stored in the IC chip 8a and the credit transaction information is stored in the magnetic stripe 8b. However, the present invention is not limited to this. Many combinations can be envisaged, and any configuration that adds IC chip processing to the transaction of the magnetic stripe 8b can be applied.

  The present invention is not limited only to the configuration of the above-described embodiment, and many embodiments can be obtained.

  The present invention provides various transaction processing apparatuses that implement a plurality of different types of transactions such as financial institution transactions and credit institution transactions using information processing media having information processing units with different access methods provided for each transaction. Can be used.

DESCRIPTION OF SYMBOLS 1 ... ATM, 3 ... Customer guidance display / operation part, 4 ... Card and statement processing part 4a ... Magnetic processing part, 4b ... IC chip processing part, 8 ... Card 8a ... IC chip, 8b ... Magnetic stripe

Claims (6)

A medium processing unit for exchanging information with an information processing medium that allows financial processing;
An input unit that accepts user operation inputs;
A transaction processing apparatus comprising a transaction processing unit that executes transaction processing based on an operation input received by the input unit and information read from the information processing medium by the medium processing unit,
The medium processing unit is
As the information processing medium, a financial institution system information unit that allows information processing related to an account of a financial institution, and a credit transaction system information unit that allows information processing related to other credit transactions not directly using the account of the financial institution are provided. A configuration that accepts a composite information processing medium,
A financial institution processing unit for exchanging information with the financial institution information unit;
A credit transaction processing unit for exchanging information with the margin transaction information unit;
The input unit is
It is configured to accept an operation input of any of the financial institution system processing using the financial institution system processing unit and the margin transaction system processing unit using the margin transaction system processing unit,
Accessing the information processing medium using the financial institution processing unit regardless of whether the financial institution processing or the credit transaction processing is executed for the composite information processing medium received by the medium processing unit configuration and to be,
An authentication execution unit that executes an authentication process using the financial institution system processing unit by accessing the information processing medium;
The authentication execution unit
A transaction processing apparatus configured to execute authentication by processing according to balance inquiry . The processing according to the balance inquiry is as follows:
A host authentication process that sends a message to the host computer and requests authentication,
The transaction processing apparatus according to claim 1, wherein a message transmitted to the host computer is configured such that a message format of the message is a balance inquiry format . The transaction processing unit is configured to execute the transaction processing in a form of leaving a transaction record when executing the transaction processing using the financial institution processing unit of the medium processing unit,
The authentication execution unit
Transaction processing apparatus of the transaction record is configured to perform the authentication process in a manner that leaves no claim 1, wherein using the financial institution system processing unit of the media processing unit. When the credit transaction processing is operated and input at the input unit,
The described and executes the authentication execution unit by the authentication using the financial institution system processing section processing, in any one of claims 1 to 3 is configured to perform transaction processing using the credit transaction system processing unit Transaction processing equipment. The financial institution system information section of the medium processing section is an IC chip processing section that reads information from an IC chip,
The transaction processing apparatus according to claim 1, wherein the credit transaction system information unit of the medium processing unit is a magnetic processing unit that reads information from a magnetic stripe. A medium processing step for exchanging information with an information processing medium that allows financial processing; and
An input step for accepting user operation input;
A transaction processing method including a transaction processing step for executing a transaction process based on the operation input received in the input step and the information read from the information processing medium in the medium processing step;
The medium processing step includes
As the information processing medium, a financial institution system information unit that allows information processing related to an account of a financial institution, and a credit transaction system information unit that allows information processing related to other credit transactions not directly using the account of the financial institution are provided. Accepts complex information processing media,
The input step includes
It is configured to accept an operation input of any of the financial institution system processing for the financial institution system information unit and the margin transaction system processing for the margin transaction system information unit,
With access to the financial institution system information portion of the information processing medium regardless of whether execution of any process for the composite information processing medium received in the media processing step and the financial institution system processing and the credit transaction system processing ,
Transaction processing method for executing authentication by processing according to balance inquiry .

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