CN102542690A - Automatic trading device and automatic trading method - Google Patents

Automatic trading device and automatic trading method Download PDF

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Publication number
CN102542690A
CN102542690A CN2011103088449A CN201110308844A CN102542690A CN 102542690 A CN102542690 A CN 102542690A CN 2011103088449 A CN2011103088449 A CN 2011103088449A CN 201110308844 A CN201110308844 A CN 201110308844A CN 102542690 A CN102542690 A CN 102542690A
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storage medium
mentioned
information
transaction
magnetic
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CN2011103088449A
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CN102542690B (en
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植田进
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Oki Electric Industry Co Ltd
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Oki Electric Industry Co Ltd
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Abstract

The invention provides an automatic trading device and an automatic trading method. Even under the situation that the IC card mark cannot be read from a magnetic stripe, trading of information saved in an IC storage medium can be conducted. When it is determined that a first magnetic sensor (406) does not read the IC card mark, an automatic trading device (10) uses storage medium other than a first magnetic strip (2) to determine whether a cash card for trading has the IC card mark or not. When it is determined that the cash card for trading has the IC card mark, the automatic trading device (10) conducts trading based on the information stored in the IC chip.

Description

Automatic trading apparatus and automatic transaction method
Technical field
The present invention relates to automatic trading apparatus and automatic transaction method.
Background technology
When the ATM automatic trading apparatus such as (Automatic Teller Machine) that the client who opens an account in bank and other financial mechanism is arranged at the branch or the convenience store of financial institution in use is concluded the business, use cash card (cashcard) mostly.
This cash card has magnetic stripe mostly, but also begins to use the cash card that possesses this magnetic stripe and IC chip simultaneously in the last few years.Follow in this, shown in japanese kokai publication hei 11-66208 communique, come corresponding to the automatic trading apparatus of the cash card with magnetic stripe and IC chip is also universal.
This automatic trading apparatus at first reads the IC-card sign whether the expression cash card has the IC chip from magnetic stripe, judges according to this IC-card sign whether cash card has the IC chip.And have under the situation of IC chip when being judged to be cash card, automatic trading apparatus visit IC chip obtains the information in the IC chip.After this, automatic trading apparatus carries out transaction such as cash withdrawal and remittance according to the information that obtains from the IC chip.
Yet existing automatic trading apparatus can't read from magnetic stripe under the situation of IC-card sign, can't judge whether cash card has the IC chip, and its result exists to cause the problem that can't conclude the business.
Summary of the invention
The present invention accomplishes in view of the above problems; Even the object of the present invention is to provide a kind ofly has under the asemantic situation at IC storage mediums such as can't from magnetic storage mediums such as magnetic stripe, reading out the IC-card sign, also can carry out new and improved automatic trading apparatus and automatic transaction method based on the transaction that is stored in the information in the IC storage medium.
In order to solve above-mentioned problem; According to a viewpoint of the present invention; A kind of automatic trading apparatus is provided; It has: the magnetic storage medium reading part, and it has or not information from the employed transaction of concluding the business with reading the IC storage medium that whether has an IC storage medium with medium of representing to conclude the business the magnetic storage medium that medium had; Read the success or failure detection unit, it judges whether the magnetic storage medium reading part reads out the IC storage medium and have or not information; Information obtains portion, and it carries out storage medium outside the magnetic storage medium and obtains the information of information and obtain processing; The IC storage medium has or not detection unit, and it does not read out the IC storage medium and have under the asemantic situation being judged to be the magnetic storage medium reading part, and the information of carrying out according to the information portion of obtaining obtains process result, judges whether transaction has the IC storage medium with medium; And transaction processing portion, it has with medium under the situation of IC storage medium being judged to be transaction, concludes the business according to the information that is stored in the IC storage medium.
As stated; The automatic trading apparatus that the present invention relates to does not read out the IC storage medium and has under the asemantic situation being judged to be the magnetic storage medium reading part; Use the storage medium outside the magnetic storage medium; Judge whether transaction has the IC storage medium with medium,, conclude the business according to the information that is stored in the IC storage medium when being judged to be transaction when having the IC storage medium with medium.
Therefore, even automatic trading apparatus of the present invention has under the asemantic situation can't from magnetic storage medium, reading out the IC storage medium, also can conclude the business based on the information that is stored in the IC storage medium.
At this; Can also constitute; Information obtains portion and has or not information from transaction with reading the IC storage medium other magnetic storage mediums that medium had, as the storage medium outside the magnetic storage medium; The IC storage medium has or not detection unit to have or not information according to the IC storage medium that the information portion of obtaining reads out, and judges whether transaction has the IC storage medium with medium.
Thus, automatic trading apparatus of the present invention has under the asemantic situation can't from magnetic storage medium, reading out the IC storage medium, also can carry out the transaction based on the information that is stored in the IC storage medium.
In addition; Can also constitute; Information obtains portion to the IC storage medium wireless transmission response request message as the storage medium outside the magnetic storage medium; And receive response message from IC storage medium wireless transmission, and receiving when signal transmitting and receiving portion under the situation of response message, the IC storage medium has or not detection unit to be judged to be transaction to have the IC storage medium with medium.
Thus, automatic trading apparatus of the present invention has under the asemantic situation can't from magnetic storage medium, reading out the IC storage medium, also can carry out the transaction based on the information that is stored in the IC storage medium.
According to another viewpoint of the present invention; A kind of automatic transaction method is provided; It comprises: the magnetic storage medium read step, and employed transaction has or not information with reading the IC storage medium that whether has an IC storage medium with medium of representing to conclude the business the magnetic storage medium that medium had from concluding the business; Read the success or failure determination step, judge that in the magnetic storage medium read step, whether reading out the IC storage medium has or not information; Information obtains step, carries out storage medium outside the magnetic storage medium and obtains the information of information and obtain processing; The IC storage medium has or not determination step, in the magnetic storage medium read step, does not read out the IC storage medium and has under the asemantic situation being judged to be, and obtains process result according to information, judges whether transaction has the IC storage medium with medium; And the transaction processing step, have with medium under the situation of IC storage medium being judged to be transaction, conclude the business according to the information that is stored in the IC storage medium.
According to automatic transaction method of the present invention,, also can carry out based on the transaction that is stored in the information in the IC storage medium even have under the asemantic situation can't from magnetic storage medium, reading out the IC storage medium.
Description of drawings
Figure 1A illustrates the IC cash card that uses in the present invention's the 1st embodiment, especially its positive key diagram is shown.
Figure 1B illustrates the IC cash card that uses in the present invention's the 1st embodiment, especially the key diagram of its reverse side is shown.
Fig. 2 A illustrates cash card with IC chip, especially its positive key diagram is shown.
Fig. 2 B illustrates cash card with IC chip, especially the key diagram of its reverse side is shown.
Fig. 3 is the stereographic map of the outward appearance of the automatic trading apparatus that relates to of this embodiment of expression.
Fig. 4 is the block diagram of the inner structure of expression automatic trading apparatus.
Fig. 5 is the side view of the detailed structure of expression card handling part.
Fig. 6 is the block diagram of the detailed structure of expression control part.
Fig. 7 is the process flow diagram of the treatment step of expression automatic trading apparatus.
Fig. 8 A illustrates the IC cash card that uses in the present invention's the 2nd embodiment, especially its positive key diagram is shown.
Fig. 8 B illustrates the IC cash card that uses in the present invention's the 2nd embodiment, especially the key diagram of its reverse side is shown.
Fig. 9 is the side view of the detailed structure of the card handling part that relates to of expression the 2nd embodiment.
Figure 10 is the block diagram of the detailed structure of expression control part.
Figure 11 is the process flow diagram of the treatment step of expression automatic trading apparatus.
Embodiment
With reference to the accompanying drawings, specify preferred implementation of the present invention.
And in this instructions and accompanying drawing, for the inscape that has the identical function structure in fact, the mark same numeral also omits repeat specification.
< 1. the 1st embodiment >
[the summary structure of IC cash card 1-1]
The summary structure of employed IC cash card 1-1 in the 1st embodiment at first, is described according to Figure 1A, 1B.Figure 1A illustrates the front of IC cash card 1-1, and Figure 1B illustrates reverse side.IC cash card 1-1 has the 1st magnetic stripe 2 (magnetic storage medium), IC chip (IC storage medium) 3-1, embossed area 4, image and reads zone the 5, the 2nd magnetic stripe 6 (other magnetic storage mediums).IC cash card 1-1 has unified all size (for example with physics, the electricity agreement relevant with transmission control) by financial institution's distribution, uses so that can in joining each financial institution of banking network, unify.
The 1st magnetic stripe (JIS2 magnetic stripe) 2 is stored the 1st magnetic information according to set consolidation form, and the 1st magnetic information comprises holder's the number of the account, the IC-card sign (the IC storage medium has or not information) whether expression IC cash card 1-1 has IC chip 3-1 etc. of identification code, the IC cash card 1-1 of the financial institution that is used to discern distribution IC cash card 1-1.
IC chip 3-1 is the contact chip, has integrated circuit.The storage of this integrated circuit is an IC information with 2 canned datas of the 1st magnetic stripe information identical or that be associated, and and automatic trading apparatus 10 between receive and dispatch IC information.Holder's the number of the account that comprises identification code, the IC cash card 1-1 of the financial institution that is used to discern distribution IC cash card 1-1 in this IC information.In addition, the front of IC chip 3-1 constitutes electric contact points, so color is different with other parts of IC cash card 1-1.
Embossed area 4 through embossing processing printed holder's number of the account and the name etc. of IC cash card 1-1.
It is to comprise the zone that is provided with IC chip 3-1 and the zone of embossed area 4 at least that image reads zone 5, and the card handling part of stating after being 40 carries out the object that image reads.That is, card handling part 40 reads out and is depicted in image and reads the information of zone in 5, for example be printed in the number of the account etc. of embossed area 4.
The 2nd magnetic stripe (JIS1 magnetic stripe) 6 is stored the 2nd magnetic information according to set consolidation form, and the 2nd magnetic information comprises holder's the number of the account, the IC-card sign whether expression IC cash card 1-1 has IC chip 3-1 etc. of identification code, the IC cash card 1-1 of the financial institution that is used to discern distribution IC cash card 1-1.
[about not possessing the cash card of IC chip 3-1]
Fig. 2 A, 2B are the key diagrams that cash card (following also be referred to as " magnetic the cash card ") 1-2 that does not possess IC chip 3-1 is shown.Fig. 2 A illustrates the front of magnetic cash card 1-2, and Fig. 2 B illustrates reverse side.As shown in Figure 3, magnetic cash card 1-2 removes not to be possessed outside the IC chip 3-1, and other structure is identical with IC cash card 1-1.The automatic trading apparatus 10 that the 1st embodiment relates to is corresponding with IC cash card 1-1 and magnetic cash card 1-2 both sides.Below IC cash card 1-1 and magnetic cash card 1-2 are also abbreviated as " transaction card " in cash.In addition, also will concluding the business in cash, the holder of card abbreviates " client " as.
[surface structure of automatic trading apparatus 10]
The surface structure of automatic trading apparatus 10 then, is described according to Fig. 3.The surface structure of automatic trading apparatus 10 has framework 11, card gateway 12, bankbook gateway 13, bank note gateway 14, coin gateway 15, Reception Dept 16 and near detecting sensor 17.
Framework 11 is built-in with the inner structure of automatic trading apparatus 11, and for example video is obtained portion 20 and blocked handling part 40 etc.Card gateway 12 is the parts of card discrepancy in cash of concluding the business.That is, automatic trading apparatus 10 is except correspondence is used the transaction of IC cash card 1-1, and also correspondence is used the transaction of magnetic cash card 1-2.Bankbook gateway 13 is parts that bankbook is come in and gone out.Bank note gateway 14 is parts that bank note is come in and gone out, and coin gateway 15 is parts that coin is come in and gone out.Reception Dept 16 is displays of band touch panel, shows the image that carries out corresponding to transaction (for example, describing the image of button of the kind of a plurality of expression trading items (" transferring accounts " etc.)).Client touches the button (for example describing the button of desired transaction) of expectation, can conclude the business thus.Reception detecting sensor 17 detects the situation of people near automatic trading apparatus 10.
[inner structure of automatic trading apparatus 10]
The inner structure of automatic trading apparatus 10 then, is described according to Fig. 4.As the inner structure of automatic trading apparatus 10, have that video is obtained portion 20, bankbook handling part 30, card handling part 40, detail form handling part 50, bill receiving and dispensing portion 60, coin goes out income portion 70, power supply unit 80, storage part 90, interface portion 100 and control part 110-1.And the hardware such as box that automatic trading apparatus 10 has CPU, ROM, RAM, hard disk, various actuator, printing equipment, digital camera, bank note class carrying path, be provided with by Currency Type constitute, and constitute through these hardware and realize each functional block.
It is so-called digital cameras that video is obtained portion 20, is disposed at the top of framework 11.Video is obtained 20 pairs in portion and is used the client of automatic trading apparatus 10 to take, and thus obtained image information is exported to control part 110-1.Control part 110-1 obtains the face image that extracts client the image information that portion 20 provided from video, carries out various processing according to the face image that extracts.
30 pairs of bankbook handling parts from the bankbook gateway 13 bankbooks that insert carry out various processing (for example to bankbook print, read bankbook with magnetic stripe, magnetic stripe is write, detects type face and skips etc.), after this 13 return bankbooks from the bankbook gateway.
The transaction that 40 pairs of handling parts of card insert from card gateway 12 stick into the various processing of row (the reading of the 1st magnetic stripe 2 and the 2nd magnetic stripe 6, to the visit of IC chip 3-1 etc.) in cash, return transaction from card gateway 12 then and block in cash.
Detail form handling part 50 prints on the day of trade, dealing money and remaining sum etc. and produces detail form on the set paper, discharges from being formed near card gateway 12 escape holes (not shown).
The bank note of 60 pairs in bill receiving and dispensing portion, 14 incomes from the bank note gateway is discerned the false from the genuine, and bank note is counted, and be carried to the box that is provided with by Currency Type.In addition, bill receiving and dispensing portion 60 sees the bank note of paying client off from the box by the Currency Type setting, with its 14 discharges from the bank note gateway.
Coin goes out the coin of 70 pairs in income portion, 15 incomes from the coin gateway discerns the false from the genuine, and coin is counted, and be carried to the box that is provided with by Currency Type.In addition, coin goes out income portion 70 and from the box by the Currency Type setting, sees the coin of paying client off, with its 15 discharges from the coin gateway.
Power supply unit 80 provides driving voltage to each textural element of automatic trading apparatus 10.Storage part 90 stores card handling parts 40 from the transaction information that obtains of card and various programs etc. in cash, and as the operating area of control part 110.Interface portion 100 is connected with the 1st principal computer 200, and carries out information transmit-receive between the 1st principal computer 200.
Each textural element of control part 110-1 control automatic trading apparatus 10, and carry out that relevant transaction blocks the judgement that whether has the IC chip in cash and based on the transaction that is stored in the information in the IC chip etc.
[network structure]
Then, according to Fig. 4 the network that is connected with automatic trading apparatus 10 is described.Automatic trading apparatus 10 is connected with the 1st principal computer 200, and the 1st principal computer 200 is connected with the 2nd principal computer 230 via network 220.The 1st principal computer 200 is connected with memory storage 210, and the 2nd principal computer 230 is connected with memory storage 240.
The 1st principal computer 200 is epigyny devices of automatic trading apparatus 10, is arranged in the 1st financial institution that automatic trading apparatus 10 is safeguarded, managed.Memory storage 210 is by 200 management of the 1st principal computer and control; The storage accounts data file (for each account that the 1st financial institution is managed, record number of the account, the balance of deposits, behaviour in service, magnetic stripe restore number of times and transaction in cash card whether be the file of IC cash card 1-1 etc.) etc.
The 2nd principal computer 230 is arranged in the 2nd financial institution that is different from the 1st financial institution.Memory storage 240 is by 230 management of the 2nd principal computer and control; The storage accounts data file (for each account that the 2nd financial institution is managed, record number of the account, the balance of deposits, behaviour in service, magnetic stripe restore number of times and transaction in cash card whether be the file of IC cash card 1-1 etc.) etc.The 1st principal computer 200 and the 2nd principal computer 230 can exchange the information that is stored in memory storage 210,240 each other.
[structure of card handling part 40]
Then, according to the detailed structure of Fig. 5 instruction card handling part 40.Card handling part 40 has carrying path 401, carrying roller 402, insert detecting sensor the 403, the 1st Magnetic Sensor the 406, the 2nd Magnetic Sensor 407, embossing reading part 410, IC reading part 414 and lose collecting storage facility 416.And also be provided with the sensor of the carrying situation that detects (for example transaction the position etc. of card) in cash in the handling part 40 at card.
Carrying path 401 is to transport the passage that transaction blocks in cash, links card gateway 12 and loses collecting storage facility 416.
The carrying roller 402 compartment of terrain carrying path 401 that separates each other is provided with a plurality ofly, drives through not shown roll driving apparatus.Thus, carrying roller 402 will carry transaction in the path 401 and block in cash to be carried to and lose collecting storage facility 416 sides and block gateway 12 sides.That is the transaction of, inserting card gateway 12 along the arrow A direction blocks (as an example IC cash card 1-1 being shown among Fig. 5) in cash and is handled upside down roller 402 and imports in the carrying paths 401.After this, transaction card in cash is handled upside down roller 402 carrying in carrying path 401, finally returns to client from card gateway 12, or is discharged to the something lost collecting storage facility 416 that falls along the arrow C direction.
Insertion detecting sensor 403 detects the transaction that imports to carrying path 401 and blocks in cash.Insert detecting sensor 403 detecting under the situation that transaction blocks in cash, export to control part 110-1 to the detection information of this expression content.
The 1st Magnetic Sensor 406 is arranged at the rear of inserting detecting sensor 403 (something lost fall collecting storage facility 416 sides) and is positioned at the top in carrying path 401; The 1st Magnetic Sensor drive unit through not shown drives, thus with the transaction in cash the card with the 1st magnetic stripe 2 contact.Thus, the 1st Magnetic Sensor 406 reads in the 1st magnetic information that is stored in the 1st magnetic stripe 2.Then, the 1st Magnetic Sensor 406 the 1st magnetic information that will read in is exported to control part 110-1.
The 2nd Magnetic Sensor 407 is arranged at the below in carrying path 401 and is positioned at the position relative with the 1st Magnetic Sensor 406, drive through the 2nd not shown Magnetic Sensor drive unit, thereby with transaction in cash card with the 2nd magnetic stripe 6 contact.Thus, the 2nd Magnetic Sensor 407 reads in the 2nd magnetic information that is stored in the 2nd magnetic stripe 6.Then, the 2nd Magnetic Sensor 407 the 2nd magnetic information that will read in is exported to control part 110-1.
Embossing reading part 410 is arranged at the 1st Magnetic Sensor 406 rears, reads with optical mode to be depicted in the image that transaction blocks in cash and to read the information (for example being printed in the number of the account of embossed area 4 etc.) in the zone 5, and the information that reads is exported to control part 110-1.This information is used when making detail form.
IC reading part 414 is arranged at the position of leaving carrying path 401 at embossing reading part 410 rears.IC reading part 414 concludes the business in cash that jig has under the situation of IC chip 3-1 being judged to be, and moves to the arrow B direction, is crimped on the IC chip 3-1 that transaction blocks in cash.And IC reading part 414 reads in the IC information that is stored in IC chip 3-1, outputs it to control part 110-1.
[structure of control part 110-1]
The structure of control part 110-1 then, is described according to Fig. 6.Control part 110-1 has the success or failure of reading detection unit 111-1, the IC storage medium has or not detection unit 112-1, the 113-1 of transaction processing portion.
Read success or failure detection unit 111-1 according to the 1st magnetic information that provides from the 1st Magnetic Sensor 406, judge whether the 1st Magnetic Sensor 406 has read the IC-card sign.Particularly, read success or failure detection unit 111-1 and judge whether the 1st magnetic information that provides from the 1st Magnetic Sensor 406 comprises the IC-card sign.
Read under the situation of IC-card sign being judged to be the 1st Magnetic Sensor 406, read success or failure detection unit 111-1 and will export to the IC storage medium from the 1st magnetic information that the 1st Magnetic Sensor 406 provides and have or not detection unit 112-1.On the other hand, do not read under the situation of IC-card sign being judged to be the 1st Magnetic Sensor 406, read magnetic problem information that success or failure detection unit 111-1 will represent this content and export to the IC storage medium and have or not detection unit 112-1.
Providing under the situation of the 1st magnetic information from reading success or failure detection unit 111-1, the IC-card sign that the IC storage medium has or not detection unit 112-1 to be comprised according to the 1st magnetic information judges transaction blocks whether have IC chip 3-1 in cash.
Its result concludes the business in cash that jig has under the situation of IC chip 3-1 being judged to be, and the IC storage medium has or not detection unit 112-1 will represent that the IC chip of this content exists determination information to export to the 113-1 of transaction processing portion.On the other hand, block in cash under the situation with IC chip 3-1 being judged to be transaction, the IC storage medium has or not detection unit 112-1 that the 1st magnetic information is exported to the 113-1 of transaction processing portion.
Providing under the situation of magnetic problem information from reading success or failure detection unit 111-1, the IC storage medium has or not detection unit 112-1 according to the 2nd magnetic information that provides from the 2nd Magnetic Sensor 407, judges transaction blocks whether have IC chip 3-1 in cash.
The IC storage medium has or not detection unit 112-1 according to the 2nd magnetic information that provides from the 2nd Magnetic Sensor 407, judges whether the 2nd Magnetic Sensor 407 has read the IC-card sign.Particularly, the IC storage medium has or not detection unit 112-1 to judge whether the 2nd magnetic information that provides from the 2nd Magnetic Sensor 407 comprises the IC-card sign.
Read under the situation of IC-card sign being judged to be the 2nd Magnetic Sensor 407, the IC storage medium has or not detection unit 112-1 according to this IC-card sign, judge transaction in cash card whether have IC chip 3-1.
Its result concludes the business in cash that jig has under the situation of IC chip 3-1 being judged to be, and the IC storage medium has or not detection unit 112-1 will represent that the IC chip of this content exists determination information to export to the 113-1 of transaction processing portion.On the other hand, block in cash under the situation with IC chip 3-1 being judged to be transaction, the IC storage medium has or not detection unit 112-1 that the 2nd magnetic information is exported to the 113-1 of transaction processing portion.
Do not read under the situation of IC-card sign being judged to be the 2nd Magnetic Sensor 407, the IC storage medium has or not detection unit 112-1 will represent that the magnetic problem information of this content exports to the 113-1 of transaction processing portion.
Each textural element of the 113-1 of transaction processing portion control automatic trading apparatus 10.On the other hand, when have or not detection unit 112-1 to provide the IC chip to exist under the situation of determination information from the IC storage medium, the 113-1 of transaction processing portion drives IC reading part 414 shown in Figure 5 to the arrow B direction, makes it be crimped on the IC chip 3-1 that transaction blocks in cash.After this, conclude the business according to the IC information that provides from IC reading part 414.On the other hand, when have or not detection unit 112-1 to provide under the situation of the 1st magnetic information or the 2nd magnetic information from the IC storage medium, the 113-1 of transaction processing portion concludes the business according to these information.On the other hand, when have or not detection unit 112-1 to provide under the situation of magnetic problem information from the IC storage medium, the 113-1 of transaction processing portion uses carrying roller 402 will conclude the business to block in cash and returns to client.
[processing of automatic trading apparatus 10]
The treatment step of automatic trading apparatus 10 then is described according to Fig. 7.In step S10, automatic trading apparatus 10 shows standby image in guide portion 16.After this, when client near automatic trading apparatus 10, when entering in the set opereating specification (in the sensing range near detecting sensor 17), detection information is exported to the 113-1 of transaction processing portion near detecting sensor 17.When being provided detection information, the 113-1 of transaction processing portion shows that in guide portion 16 transaction selects images (depicted a plurality of marks the image of button of type of transaction).After this, need to select the transaction transaction (for example, having pushed " withdrawing the money " button) of card, the then 113-1 of transaction processing portion driven roller drive unit in cash by client by client.On the other hand, when client does not have option dealing and the card of will concluding the business in cash inserts under the situation of card gateway 12, the 113-1 of transaction processing portion is the driven roller drive unit also.
Then, the 113-1 of transaction processing portion standby is till providing detection information from insertion detecting sensor 403.On the other hand, client will conclude the business to block in cash and insert card gateway 12, and carrying roller 402 will be concluded the business and blocked in cash in the importing carrying path 401.Thus, insert detecting sensor 403 and detect transaction card in cash, detection information is exported to the 113-1 of transaction processing portion.When being provided detection information, the 113-1 of transaction processing portion uses carrying roller 402, and the carrying transaction blocks in cash between the 1st Magnetic Sensor 406 and the 2nd Magnetic Sensor 407.
In step S20, read success or failure detection unit 111-1 and make the 1st Magnetic Sensor 406 contacts the 1st magnetic stripe 2.Thus, the 1st Magnetic Sensor 406 can read the 1st magnetic information that is stored in the 1st magnetic stripe 2.The 1st Magnetic Sensor 406 reads the 1st magnetic information that is stored in the 1st magnetic stripe 406, and exports to and read success or failure detection unit 111-1.And, when the part of the 1st magnetic information for a certain reason and under the situation of demagnetization, the 1st Magnetic Sensor 406 can only be exported to the remainder of the 1st magnetic information and read success or failure detection unit 111-1.And work as the 1st magnetic information fully by under the situation of demagnetization, the 1st Magnetic Sensor 406 can't be exported to the 1st magnetic information and read success or failure detection unit 111-1.
Read success or failure detection unit 111-1 according to the 1st magnetic information that provides from the 1st Magnetic Sensor 406, judge whether the 1st Magnetic Sensor 406 has read the IC-card sign.Particularly, read success or failure detection unit 111-1 and judge whether the 1st magnetic information that provides from the 1st Magnetic Sensor 406 comprises the IC-card sign.
Read under the situation of IC-card sign when being judged to be the 1st Magnetic Sensor 406, read success or failure detection unit 111-1 and will export to the IC storage medium from the 1st magnetic information that the 1st Magnetic Sensor 406 provides and have or not detection unit 112-1, got into step S40.
On the other hand, do not read under the situation of IC-card sign, read magnetic problem information that success or failure detection unit 111-1 will represent this content and export to the IC storage medium and have or not detection unit 112-1, get into step S30 when being judged to be the 1st Magnetic Sensor 406.
When not providing under the situation of the 1st magnetic information from the 1st Magnetic Sensor 406; Reading success or failure detection unit 111-1 also is judged to be the 1st Magnetic Sensor 406 and does not read the IC-card sign; And the magnetic problem information that will represent this content is exported to the IC storage medium and is had or not detection unit 112-1, gets into step S30.
And, do not read under the situation of IC-card sign being judged to be the 1st Magnetic Sensor 406, read success or failure detection unit 111-1 and can before getting into step S30, repeat the processing of the step S20 of set number of times.
In step S30, when reading success or failure detection unit 111-1 magnetic problem information is provided, the IC storage medium has or not detection unit 112-1 to make the 2nd Magnetic Sensor 407 contacts the 2nd magnetic stripe 6.Thus, the 2nd Magnetic Sensor 406 can read the 2nd magnetic information that is stored in the 2nd magnetic stripe 6.The 2nd magnetic information that the 2nd Magnetic Sensor 407 will be stored in the 2nd magnetic stripe 407 is exported to the IC storage medium and is had or not detection unit 112-1.
Then, the IC storage medium has or not detection unit 112-1 according to the 2nd magnetic information that provides from the 2nd Magnetic Sensor 407, judges transaction blocks whether have IC chip 3-1 in cash.
That is, the IC storage medium has or not detection unit 112-1 according to the 2nd magnetic information that provides from the 2nd Magnetic Sensor 407, judges whether the 2nd Magnetic Sensor 407 has read the IC-card sign.Particularly, the IC storage medium has or not detection unit 112-1 to judge whether the information that provides from the 2nd Magnetic Sensor 407 comprises the IC-card sign.
Read under the situation of IC-card sign being judged to be the 2nd Magnetic Sensor 407; The IC storage medium has or not detection unit 112-1 to make processing get into step S40; Do not read under the situation of IC-card sign being judged to be the 2nd Magnetic Sensor 407; The IC storage medium has or not detection unit 112-1 will represent that the magnetic problem information of this content exports to the 113-1 of transaction processing portion, makes to handle to get into step S70.
In step S40, the IC-card sign that the IC storage medium has or not detection unit 112-1 to be comprised according to the 1st magnetic information or the 2nd magnetic information, judge transaction in cash card whether have IC chip 3-1.
Its result concludes the business in cash that jig has under the situation of IC chip 3-1 being judged to be, and the IC storage medium has or not detection unit 112-1 will represent that the IC chip of this content exists determination information to export to the 113-1 of transaction processing portion, makes to handle to get into step S50.On the other hand; Block in cash under the situation with IC chip 3-1 being judged to be transaction; The magnetic information that the IC storage medium has or not detection unit 112-1 in this judgement, to use (for example gets under the situation of step S40 from step S20 direct (walking around step S30); With the 1st magnetic information) export to the 113-1 of transaction processing portion, make to handle to get into step S60.
In step S50, when having or not detection unit 112-1 to provide the IC chip to have information from the IC storage medium, the 113-1 of transaction processing portion recognizes and concludes the business in cash that jig has IC chip 3-1.So the 113-1 of transaction processing portion use carrying roller 402 will be concluded the business and blocked the below that moves to IC reading part 414 in cash.Then, the 113-1 of transaction processing portion makes it be crimped on the IC chip 3-1 that transaction blocks in cash to arrow B direction drive IC reading part 414.Thus, IC reading part 414 can be visited IC chip 3-1.IC reading part 414 obtains IC information from IC chip 3-1, and exports to the 113-1 of transaction processing portion.
In step S60; The 113-1 of transaction processing portion is according to having or not magnetic information that detection unit 112-1 provides or from the IC information that IC reading part 414 provides from the IC storage medium, carry out the processing that exchange needs (for example the transferring accounts of the input reception of password and dealing money, dealing money, payment etc.).After this, the 113-1 of transaction processing portion will conclude the business to block in cash and return to client, end process.And when returning transaction when blocking in cash, transaction is stuck in card gateway 12 in cash has been detained under the situation of given time, and the 113-1 of transaction processing portion is judged to be and has produced client and forget card taking, is accommodated in the something lost collecting storage facility 416 that falls and will conclude the business to block in cash.
In step S70, the 113-1 of transaction processing portion is according to the magnetic problem information that has or not detection unit 112-1 to provide from the IC storage medium, identifies the magnetic that transaction blocks in cash and produced problem.In step S80, the 113-1 of transaction processing portion will conclude the business to block in cash and return to client.After this, the 113-1 of transaction processing portion end process.
As stated, do not read under the situation of IC-card sign being judged to be the 1st Magnetic Sensor 406, the storage medium that automatic trading apparatus 10 uses outside the 1st magnetic stripe 2, judge transaction in cash card whether have IC chip 3-1.And conclude the business in cash that jig has under the situation of IC chip 3-1 being judged to be, automatic trading apparatus 10 is concluded the business according to the IC information that is stored in IC chip 3-1.Therefore, automatic trading apparatus 10 can't read under the situation of IC-card sign from the 1st magnetic stripe 2, also can carry out the transaction based on the information that is stored in IC chip 3-1.And; In the past, under the situation of the 1st magnetic information demagnetization of the 1st magnetic stripe 2, needed client to write again in financial institution; Just can use the transaction of automatic trading apparatus then, but the automatic trading apparatus 10 that this embodiment relates to need not carry out these formalities.
Particularly, do not read under the situation of IC-card sign being judged to be the 1st Magnetic Sensor 406, the 2nd magnetic information that automatic trading apparatus 10 reads according to the 2nd Magnetic Sensor 407, judge transaction in cash card whether have IC chip 3-1, therefore can be easy to carry out this judgement.And, in above-mentioned processing, be made as at the 1st Magnetic Sensor 406 and do not read under the situation of IC-card sign, read the 2nd magnetic information by the 2nd Magnetic Sensor 407, but the 1st Magnetic Sensor 406 and the 2nd Magnetic Sensor 407 also can read magnetic information simultaneously.
< the 2nd embodiment >
The 2nd embodiment then is described.About the 2nd embodiment, only explanation and the 1st embodiment difference.The difference of the automatic trading apparatus 1 that automatic trading apparatus 10 that the 2nd embodiment relates to and the 1st embodiment relate to is, structure, the structure of control part and the processing of control part of the kind of spendable IC cash card, card handling part.
[structure of IC cash card 1-3]
Fig. 8 A, 8B represent employed IC cash card 1-3 in the 2nd embodiment.That is, the automatic trading apparatus that the 2nd embodiment relates to is except to the magnetropism cash card 1-2, also to should IC cash card 1-3.Be made as " transaction is card in cash " in the following content and also comprise this IC cash card 1-3.
IC cash card 1-3 replaces contact IC chip 3-1 and has non-contact IC chip 3-2.IC chip 3-2 is embedded in the IC cash card 1-3.Other structures and IC cash card 1-1 are same structure.And in Fig. 8 A, 8B, IC cash card 1-3 has the 2nd magnetic stripe 6, but also can not have the 2nd magnetic stripe 6.
[structure of card handling part 41]
Then, according to Fig. 9 the card handling part 41 that uses in the 2nd embodiment is described.Card handling part 41 is different with the card handling part 40 that the 1st embodiment relates to, and does not have the 2nd Magnetic Sensor 407.In addition, card handling part 41 has contactless IC reading part 420 (signal transmitting and receiving portion), and replaces IC reading part 414.IC reading part 420 sends response request message to IC chip 3-2, and IC chip 3-2 sends response message to this.
And card handling part 41 also can have the 2nd Magnetic Sensor 407, and IC reading part 420 also can have the function of contact IC reading part 414.
[structure of control part 110-2]
The structure of the control part 110-2 that the 2nd embodiment relates to then, is described according to Figure 10.Control part 110-2 has the success or failure of reading detection unit 111-2, the IC storage medium has or not detection unit 112-2 and the 113-2 of transaction processing portion.
Reading success or failure detection unit 111-2 carries out reading the identical processing of success or failure detection unit 111-1 with the 1st embodiment relates to.
Providing under the situation of the 1st magnetic information from reading success or failure detection unit 111-1, the IC-card sign that the IC storage medium has or not detection unit 112-2 to be comprised according to the 1st magnetic information judges transaction blocks whether have IC chip 3-2 in cash.
Its result concludes the business in cash when being judged to be that jig has under the situation of IC chip 3-2, and the IC storage medium has or not detection unit 112-2 will represent that the IC chip of this content exists determination information to export to the 113-2 of transaction processing portion.And block in cash under the situation with IC chip 3-2 when being judged to be transaction, the IC storage medium has or not detection unit 112-2 that the 1st magnetic information is exported to the 113-2 of transaction processing portion.
Providing under the situation of magnetic problem information from reading success or failure detection unit 111-2, the IC storage medium has or not detection unit 112-2 to use carrying roller 402 to conclude the business and blocks the below that moves to IC reading part 420 in cash, sends response request messages to IC reading part 420.IC reading part 420 is exported to the IC storage medium with this response message and is had or not detection unit 112-2 when receiving response message.
Providing from IC reading part 420 under the situation of response message, the IC storage medium has or not detection unit 112-2 to be judged to be to conclude the business in cash that jig has IC chip 3-2, and will represent that the IC chip of this content exists determination information to export to the 113-2 of transaction processing portion.On the other hand, do not providing under the situation of response message from IC reading part 420, the IC storage medium has or not detection unit 112-1 to be judged to be transaction and blocks in cash and do not have IC chip 3-2, and magnetic problem information is exported to the 113-2 of transaction processing portion.
Each textural element of the 113-2 of transaction processing portion control automatic trading apparatus 10.On the other hand, when have or not detection unit 112-2 to provide the IC chip to exist under the situation of determination information from the IC storage medium, the 113-2 of transaction processing portion makes IC reading part 420 read the IC information of IC chip 3-2.IC reading part 420 is exported to the 113-2 of transaction processing portion with the IC information that reads out.The 113-1 of transaction processing portion concludes the business according to this IC information.And; When having or not detection unit 112-2 to provide the IC chip to have determination information from the IC storage medium; The transaction in cash the card be disposed at the 1st Magnetic Sensor 406 below situation under; The 113-2 of transaction processing portion will conclude the business and block the below that moves to IC reading part 420 in cash, carry out above-mentioned processing then.
On the other hand, having or not detection unit 112-1 to provide under the situation of the 1st magnetic information from the IC storage medium, the 113-2 of transaction processing portion concludes the business according to the 1st magnetic information.Having or not detection unit 112-2 to provide under the situation of magnetic problem information from the IC storage medium, the 113-2 of transaction processing portion uses carrying roller 402 will conclude the business to block in cash and returns to client.
[processing of automatic trading apparatus 10]
The treatment step of automatic trading apparatus 10 then, is described according to Figure 11.The processing of step S100 is identical with the processing of the step S10 that the 1st embodiment relates to.
In step S110, read success or failure detection unit 111-2 and make the 1st Magnetic Sensor 406 contacts the 1st magnetic stripe 2.Thus, the 1st Magnetic Sensor 406 can read the 1st magnetic information that is stored in the 1st magnetic stripe 2.The 1st magnetic information that the 1st Magnetic Sensor 406 will be stored in the 1st magnetic stripe 406 is exported to and is read success or failure detection unit 111-2.
Read success or failure detection unit 111-2 according to the 1st magnetic information that provides from the 1st Magnetic Sensor 406, judge whether the 1st Magnetic Sensor 406 has read the IC-card sign.Particularly, read success or failure detection unit 111-2 and judge whether the 1st magnetic information that provides from the 1st Magnetic Sensor 406 comprises the IC-card sign.
Read under the situation of IC-card sign being judged to be the 1st Magnetic Sensor 406, read success or failure detection unit 111-2 and will export to the IC storage medium from the 1st magnetic information that the 1st Magnetic Sensor 406 provides and have or not detection unit 112-1, made to handle to get into step S130.
On the other hand, do not read under the situation of IC-card sign being judged to be the 1st Magnetic Sensor 406, read magnetic problem information that success or failure detection unit 111-2 will represent this content and export to the IC storage medium and have or not detection unit 112-1, make to handle to get into step S120.
Do not providing under the situation of the 1st magnetic information from the 1st Magnetic Sensor 406; Reading success or failure detection unit 111-2 also is judged to be the 1st Magnetic Sensor 406 and does not read the IC-card sign; The magnetic problem information of this content of expression is exported to the IC storage medium have or not detection unit 112-2, make to handle to get into step S120.
And, do not read under the situation of IC-card sign being judged to be the 1st Magnetic Sensor 406, read success or failure detection unit 111-2 and can handle the processing that repeat set number of times step S110 before getting into step S120.
In step S120; When reading success or failure detection unit 111-2 magnetic problem information be provided; The IC storage medium has or not detection unit 112-2 to use carrying roller 402 to make transaction block the below that moves to IC reading part 420 in cash, makes IC reading part 420 send response request message.IC reading part 420 is receiving under the situation of response message, this response message is exported to the IC storage medium have or not detection unit 112-2.
Providing from IC reading part 420 under the situation of response message, the IC storage medium has or not detection unit 112-2 to be judged to be to conclude the business in cash that jig has IC chip 3-2.So the IC storage medium has or not detection unit 112-2 will represent that the IC chip of this content exists determination information to export to the 113-2 of transaction processing portion, make to handle to get into step S140.On the other hand, do not providing under the situation of response message from IC reading part 420, the IC storage medium has or not detection unit 112-1 to be judged to be transaction and blocks in cash and do not have IC chip 3-2.So the IC storage medium has or not detection unit 112-2 that magnetic problem information is exported to the 113-2 of transaction processing portion, make to handle to get into step S160.
In step S130, the IC-card sign that the IC storage medium has or not detection unit 112-2 to be comprised according to the 1st magnetic information judges transaction blocks whether have IC chip 3-2 in cash.
Its result concludes the business in cash that jig has under the situation of IC chip 3-2 being judged to be, and the IC storage medium has or not detection unit 112-2 will represent that the IC chip of this content exists determination information to export to the 113-2 of transaction processing portion, makes to handle to get into step S140.On the other hand, block in cash under the situation with IC chip 3-2 when being judged to be transaction, the IC storage medium has or not detection unit 112-2 that the 1st magnetic information is exported to the 113-2 of transaction processing portion, makes to handle to get into step S150.
In step S140, when having or not detection unit 112-2 to provide the IC chip to have determination information from the IC storage medium, the 113-2 of transaction processing portion is identified as and concludes the business in cash that jig has IC chip 3-2.
Then, the 113-2 of transaction processing portion makes IC reading part 420 read the IC information of IC chip 3-2.IC reading part 420 is exported to the 113-2 of transaction processing portion with the IC information that reads out.And; When having or not detection unit 112-2 to provide the IC chip to have determination information from the IC storage medium; Transaction in cash card be disposed under the situation below the 1st Magnetic Sensor 406, the 113-2 of transaction processing portion will conclude the business and block the below that moves to IC reading part 420 in cash, carry out above-mentioned processing then.
The processing of step S150~step S170 is identical with step S60~step S80 that the 1st embodiment relates to.
According to the above, do not read under the situation of IC-card sign when being judged to be the 1st Magnetic Sensor 406, whether automatic trading apparatus 10 receives response message according to IC reading part 420, and judges transaction blocks whether have IC chip 3-2 in cash.Therefore, automatic trading apparatus 10 transaction in cash card do not have and can judge under the situation of the 2nd magnetic stripe 6 yet and have or not IC chip 3-2.
Abovely specified preferred implementation of the present invention, but the present invention is not limited to above-mentioned example with reference to accompanying drawing.The personnel with general knowledge level of technical field can expect various variation or modification certainly under the present invention in the technological thought category that claims are put down in writing, and these also all belong to technical scope of the present invention certainly.

Claims (4)

1. automatic trading apparatus, it has:
The magnetic storage medium reading part, it, reads the above-mentioned transaction of expression and has or not information with the IC storage medium whether medium has the IC storage medium with the magnetic storage medium that medium had from the employed transaction of concluding the business;
Read the success or failure detection unit, it judges whether above-mentioned magnetic storage medium reading part reads out above-mentioned IC storage medium and have or not information;
Information obtains portion, and it carries out storage medium outside the above-mentioned magnetic storage medium and obtains the information of information and obtain processing;
The IC storage medium has or not detection unit; It does not read out above-mentioned IC storage medium and has under the asemantic situation being judged to be above-mentioned magnetic storage medium reading part; The above-mentioned information of carrying out according to the above-mentioned information portion of obtaining obtains process result, judges whether above-mentioned transaction has above-mentioned IC storage medium with medium; And
Transaction processing portion, it has with medium under the situation of above-mentioned IC storage medium being judged to be above-mentioned transaction, carries out above-mentioned transaction according to the information that is stored in above-mentioned IC storage medium.
2. automatic trading apparatus according to claim 1, wherein,
Above-mentioned information obtains portion and has or not information from above-mentioned transaction with reading above-mentioned IC storage medium other magnetic storage mediums that medium had, as the storage medium outside the above-mentioned magnetic storage medium,
Above-mentioned IC storage medium has or not detection unit to have or not information according to the above-mentioned IC storage medium that the above-mentioned information portion of obtaining reads out, and judges whether above-mentioned transaction has above-mentioned IC storage medium with medium.
3. automatic trading apparatus according to claim 1, wherein,
Above-mentioned information obtains portion to the above-mentioned IC storage medium wireless transmission response request message as the storage medium outside the above-mentioned magnetic storage medium, and receives the response message from above-mentioned IC storage medium wireless transmission,
Receive in signal transmitting and receiving portion under the situation of above-mentioned response message, above-mentioned IC storage medium has or not detection unit to be judged to be above-mentioned transaction to have above-mentioned IC storage medium with medium.
4. automatic transaction method, it comprises:
The magnetic storage medium read step, employed transaction representes that with reading the magnetic storage medium that medium had above-mentioned transaction has or not information with the IC storage medium whether medium has the IC storage medium from concluding the business;
Read the success or failure determination step, judge that in above-mentioned magnetic storage medium read step, whether reading out above-mentioned IC storage medium has or not information;
Information obtains step, carries out storage medium outside the above-mentioned magnetic storage medium and obtains the information of information and obtain processing;
The IC storage medium has or not determination step; In above-mentioned magnetic storage medium read step, do not read out above-mentioned IC storage medium and have under the asemantic situation being judged to be; Obtain process result according to above-mentioned information, judge whether above-mentioned transaction has above-mentioned IC storage medium with medium; And
The transaction processing step has with medium under the situation of above-mentioned IC storage medium being judged to be above-mentioned transaction, carries out above-mentioned transaction according to the information that is stored in above-mentioned IC storage medium.
CN201110308844.9A 2010-12-22 2011-10-12 Automatic trading device and automatic trading method Expired - Fee Related CN102542690B (en)

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