JP2001266220A - Automatic transaction system using electronic transaction medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To increase the additional value of an automatic transaction system where a transaction medium having an IC chip inside can be used by enabling processing other than ordinary transaction to be performed. SOLUTION: The same transaction information is recorded in the IC chip of an IC card and the IC chip of an electronic bankbook 2 and if the data of one IC chip are destroyed, the data are restored by using the information of the other IC chip.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an automatic transaction system using an electronic transaction medium having an IC chip incorporated therein as means for recording information on a transaction medium in a financial institution or the like.

[0002]

2. Description of the Related Art Conventionally, as a means for recording information on a transaction medium in a financial institution or the like, a means of providing a magnetic stripe on a medium and recording data on the medium has been widely used. The amount of information was small, and only information such as information for specifying an account or information for specifying a customer could be recorded.

[0003] Accordingly, a transaction system using an IC card in which an IC chip is embedded in a transaction card has been devised.
Since the amount of information that can be recorded by an IC card is large, it is possible to record transaction information and the like that were conventionally recorded in a passbook, and it is also possible to have a role as a passbook.

[0004]

However, even if the transaction information is recorded on the IC card, the transaction information cannot be visually observed only with the IC card. Therefore, it is necessary to record the transaction information on paper. For this reason, the IC card and the conventional booklet-shaped passbook are used together, but the value of using the IC card is reduced if only normal deposit and withdrawal transactions can be performed. Therefore, with a system that uses both an IC card and a passbook,
There is a problem of adding value by enabling processing other than ordinary deposit / withdrawal transactions.

[0005]

In order to solve the above-mentioned problems, the invention of claim 1 comprises an IC card in which an IC chip is incorporated in a card-like medium, and an IC card in which a IC chip is incorporated in a booklet-like medium. Electronic passbook can be imported,
2. Description of the Related Art In an automatic transaction system using an electronic transaction medium that reads and writes information from and to an IC chip and performs transactions, the same transaction information is recorded on an IC chip of an IC card and an IC chip of an electronic passbook. An automatic transaction system using an electronic transaction medium characterized by restoring data using information of the other IC chip when destroyed.

According to a second aspect of the present invention, in the automatic transaction system using the electronic transaction medium according to the first aspect, information necessary for a withdrawal transaction recorded on the IC chip of the IC card is recorded on the IC chip of the electronic passbook. In addition, an automatic transaction system using an electronic transaction medium is characterized by taking in only an electronic passbook and executing a withdrawal transaction. According to a third aspect of the present invention, in the automatic transaction system using the electronic transaction medium according to the first or second aspect, the collation information is recorded on the magnetic stripe of the electronic passbook and the IC chip, and when the transaction is started, both are recorded. An automatic transaction system using an electronic transaction medium characterized in that the validity of an IC chip is determined by comparison, and no transaction is executed if the validity of the IC chip is not recognized.

[0007] The invention of claim 4 is the first and second aspects of the present invention.
Or, in the automatic transaction system using the electronic transaction medium of 3, the transaction information recorded on the IC chip of the IC card,
An automatic transaction system using an electronic transaction medium characterized by printing visual information of a passbook.

[0008]

FIG. 1 is a block diagram showing an example of an embodiment of an automatic transaction system according to the present invention, and FIG. 2 is an explanatory diagram showing an example of an electronic transaction medium used in the automatic transaction system of FIG. . First, an outline of an electronic transaction medium will be described with reference to FIG. FIG. 2A shows an example of an IC card. I
The C card 1 incorporates an IC chip 1a having a contact that can be contacted from outside with a card-shaped medium.
FIG. 2B shows an example of an electronic passbook. The electronic passbook 2 incorporates an IC chip 2a having a contact that can be contacted from the outside on the cover of a booklet medium. Here, the electronic passbook 2 is also provided with a magnetic stripe 2b.

Next, the configuration of an automatic transaction system using the above-described electronic transaction medium will be described with reference to FIG. In FIG. 1, reference numeral 3 denotes an automatic transaction apparatus that can use an IC card 1 and an electronic passbook 2. The automatic transaction apparatus 3 includes a banknote depositing / dispensing unit 4 for performing banknote depositing / dispensing processing, a coin depositing / dispensing unit 5 for performing coin depositing / dispensing processing, loading and discharging of the IC card 1,
A card reader / writer 6 for reading and writing digitized data on the captured IC card 1; reading and writing of the electronic passbook 2; reading and writing of digitized data on the loaded electronic passbook 2, printing of visual information; The system includes a passbook processing unit 7 for reading and writing, a customer operation unit 8 for performing operations by a customer, a control unit 9 for controlling the entire apparatus, and the like. The automatic transaction apparatus 1 is connected to the host 10
The transaction is performed by performing communication between the automatic transaction apparatus 1 and the host 10.

Next, the processing using the IC card 1 and the electronic passbook 2 realized by the automatic transaction system will be described. The automatic transaction system according to the present embodiment has the following functions. (1) Passbook Forgery Prevention Function When issuing the electronic passbook 2, a pair of collation information is recorded in the IC chip 2a and the magnetic stripe 2b.

When conducting a transaction using the electronic passbook 2, the control section 9 controls the passbook processing section 7 to read collation information from each of the IC chip 2a and the magnetic stripe 2b of the taken electronic passbook 2. The control unit 9 determines the validity of the IC chip 2a by comparing the collation information.
If the collation information matches, the IC chip 2a determines that the IC chip 2a is valid and executes the transaction. On the contrary,
If the collation information does not match, the IC chip 2a cannot be determined to be legitimate, so that no transaction is executed. That is, the fact that the collation information does not match means that the acquired electronic passbook 2 may be a fake passbook in which the IC chip 2a has been improperly replaced, and therefore no transaction is executed. Since the information recorded on the IC chip 2a is encrypted and cannot be easily decrypted, this collation information is recorded in advance when the electronic passbook 2 is issued.
You may continue to use this as it is, but if you decide to rewrite it each time you trade, decrypt the collation information,
The work of recording on an unauthorized IC chip becomes extremely difficult, and the forgery prevention effect of the passbook can be further enhanced.

(2) Offline Passbook Bookkeeping Function In a financial institution, when a customer makes a transaction using the automatic transaction device 3, especially in the case of a withdrawal transaction, the IC card 1
In some cases, transactions are performed using only Therefore, when a transaction is performed by taking in only the IC card 1, the control unit 9 controls the card reader / writer 6 to record the information of the transaction details sent from the host 10 on the IC chip 1 a of the IC card 1. . At a later date, when registering in the electronic passbook 2, the automatic transaction device 3 takes in the IC card 1 and the electronic passbook 2, and
The information of the transaction details is read out from the IC chip 1a of the card 1, and the information is printed and recorded on the electronic passbook 2 as visual information. At this time, since the information of the transaction details can be acquired without communicating with the host 10, the passbook entry can be performed in an offline state, and the operation time of the passbook entry can be extended.

Here, since the host 10 recognizes the unrecorded information in the electronic passbook 2, when the IC card 1 is fetched only and a transaction is performed, the IC chip 1 of the IC card 1 is used.
If the information of the transaction details to be recorded in a includes the unbooked information, even the passbook bookkeeping process using the IC card 1 and the electronic bankbook 2 enables printing including the unbooked information.

Further, when the unbooked information is recorded in the electronic passbook 2, the information can be recorded using any of the information of the IC card 1 and the information of the host 10, and the information is not duplicated. Therefore, the IC chip 1a of the IC card 1
And the IC chip 2a of the electronic passbook 2 and the host 10 respectively hold the final entry information for the electronic passbook 2,
When the bookkeeping process to the electronic passbook 2 occurs, the respective final bookkeeping information is compared. If the final bookkeeping information held in the electronic bankbook 2 is newer than the last bookkeeping information held in the host 10, the information of the IC card 1 is already used. Since the entry has been completed, entry with the information of the host 10 is not performed.
Update the last book information of. If the final bookkeeping information held in the electronic passbook 2 is newer than the last bookkeeping information held in the IC card 1, the bookkeeping has already been completed with the information of the host 10, so the bookkeeping with the information of the IC card 1 is not performed. The last entry information of the IC card 1 is updated.

(3) Withdrawal transaction function using a bankbook Conventionally, a withdrawal transaction is performed using a card. In order to complete the entry to the passbook, it is necessary to bring both the card and the passbook at the time of the withdrawal transaction. However, only the passbook entry is performed at a later date. Therefore, the IC chip 2 of the electronic passbook 2
By recording the same information as that of the IC chip 1a of the IC card 1 in "a", only the electronic passbook 2 is fetched and the withdrawal transaction is enabled. That is, when only the electronic passbook 2 is inserted at the time of the withdrawal transaction, the control unit 9 reads out information necessary for the withdrawal transaction such as personal identification information from the IC chip 2a of the electronic passbook 2 and performs the withdrawal transaction. It is. As a result, it is possible to perform a withdrawal transaction without bringing both the IC card 1 and the electronic passbook 2, and it is possible to reduce the trouble of inserting and receiving the card, and to simplify the operation. (4) Mutual backup function of passbook / card Both the IC card 1 and the electronic passbook 2 have an IC chip mounted thereon, so that the amount of recordable information is increased. Therefore, in the event that data is destroyed, it can be easily restored.

That is, the IC chip 1a of the IC card 1
The same information is recorded on the IC chip 2a of the electronic passbook 2 and, for example, if data destruction occurs in the IC card, the information of the IC chip 2a of the electronic passbook 2 1a is restored. This restoration process may be performed by an automatic transaction device by a customer operation.

First, the control unit 9 sends an IC
Guidance for prompting insertion of card 1 and electronic passbook 2 is issued. When the customer inserts the IC card 1 and the electronic passbook 2 into the predetermined insertion slots by this guidance, the IC card 1 is taken in by the card reader / writer 6 and the electronic passbook 2 is taken in by the passbook processing unit 7. The control unit 9 reads information from the IC chip 1 a of the IC card 1 and
The information is read from a, and the data on the destroyed side is overwritten with the information on the non-destructed side to restore the data. Then, by ejecting the IC card 1 and the electronic passbook 2, the medium in which the data has been destroyed can be restored and returned to the customer.

Since the customer information, account information, and password information do not change with the transaction, the same information is always recorded on the IC chip 1a of the IC card 1 and the IC chip 2a of the electronic passbook 2. It is possible for one information to completely restore the other information. On the other hand, since the IC chip can record a lot of information, it is conceivable to record the transaction details. In this case, when the control unit 9 takes in both the IC card 1 and the electronic passbook 2 and conducts a transaction, the control unit 9 records the same information on each IC chip. IC card 1 and electronic passbook 2
When a transaction is performed by importing either of the information, the information is recorded in accordance with the information on the side where newer information is recorded. Transaction statements change with the transaction,
Since a transaction may be made using only the IC card 1 or only the electronic passbook 2, it is not always possible to record the same information. However, if the last information in the IC card 1 and the electronic passbook 2 is destroyed on the old side, it can be restored with new information. Even if the last information is destroyed on the new side, the information of the host 10 is added. Thus, complete restoration is possible, so that recovery when data is destroyed can be easily performed.

[0019]

As described above, according to the present invention, the same transaction information is recorded on the IC chip of the IC card and the IC chip of the electronic passbook, and when the data of one IC chip is destroyed, the other IC chip is destroyed. Since the data is restored using the chip information, even if the data is destroyed, the restoration can be easily performed.

Further, by recording information necessary for withdrawal transactions recorded on the IC chip of the IC card on the IC chip of the electronic passbook, only the electronic passbook can be fetched and the withdrawal transaction can be executed. Since it is not necessary, the operation can be simplified. Furthermore, the verification information is recorded on the magnetic stripe of the electronic passbook and the IC chip, and when the transaction is started, the two are compared to determine the validity of the IC chip. If the validity of the IC chip is not recognized, Since the transaction is not executed, it is possible to prevent the transaction using the forged passbook.

Further, since the visual information of the passbook is printed using the transaction information recorded on the IC chip of the IC card, the passbook entry can be made offline. in this way,
By adding an additional function using a large amount of information recorded in an IC card or an electronic passbook, the value as a product is increased and customer service is also improved.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an example of an embodiment of an automatic transaction system of the present invention.

FIG. 2 is an explanatory diagram showing an example of an electronic transaction medium.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 IC card 2 Electronic passbook 3 Automatic transaction device 9 Control part 10 Host

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (reference) G06K 17/00 G06K 17/00 DS

Claims (4)

[Claims] An IC card constructed by incorporating an IC chip into a card-like medium and an electronic passbook constructed by incorporating an IC chip into a booklet-like medium can be imported. In an automatic transaction system using an electronic transaction medium, the same transaction information is recorded on the IC chip of an IC card and the IC chip of an electronic passbook, and when the data of one IC chip is destroyed, the information of the other IC chip is recorded. An automatic transaction system using an electronic transaction medium, wherein data is restored using the electronic transaction medium. 2. The dispensing transaction according to claim 1, wherein information necessary for the dispensing transaction recorded on the IC chip of the IC card is recorded on the IC chip of the electronic passbook, and only the electronic passbook is imported to execute the dispensing transaction. An automatic transaction system using an electronic transaction medium. 3. The method according to claim 1, wherein the verification information is recorded on the magnetic stripe of the electronic passbook and the IC chip, and when the transaction is started, the two are compared to determine the validity of the IC chip. An automatic transaction system using an electronic transaction medium, wherein a transaction is not executed if the validity of the chip is not recognized. 4. The automatic transaction system using an electronic transaction medium according to claim 1, wherein the visual information of the passbook is printed using the transaction information recorded on the IC chip of the IC card.