JP2003132399A - Automatic transaction device corresponding to card with ic chip - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve utility of a card provided with an IC chip and a magnetic stripe in an automatic teller machine. SOLUTION: In the automatic transaction device, necessity of information in the IC chip is set on the basis of an operation of a user during a transaction process. When the information in the IC chip is set to be unnecessary, input of information from the IC chip is not carried out and money receiving and dispensing processes are carried out on the basis of information in a magnetic recording part. By this, since reading of the information in the IC chip is omitted in a transaction not needing the information in the IC chip, an adverse effect such as prolongation of a process due to reading of the IC chip or reinsertion of the card can be avoided.

Description

Detailed Description of the Invention

[0001]

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

[0002]

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

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

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

[0005]

In the transaction using the IC card, the information of the IC chip is prioritized, which may impair the convenience of the ATM in practical use.
First, even if the information necessary for the transaction can be obtained from the magnetic stripe, the information of the IC chip was read again. Reading an IC chip takes longer than reading a magnetic stripe. Therefore, by prioritizing the information of the IC chip, the processing time of the ATM becomes long and the convenience is impaired.

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

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

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

[0009]

In order to solve at least a part of the above problems, the present invention sets the necessity of IC chip information in an automatic transaction device based on a user operation in a transaction process. . When the information of the IC chip is set to be unnecessary, the transaction processing is performed based on the information of the magnetic recording unit without inputting the information from the IC chip.

According to the automatic transaction apparatus of the present invention, the reading of the information of the IC chip is omitted in the transaction in which the information of the IC chip is unnecessary. Therefore, it is possible to avoid adverse effects such as a long processing time due to reading the IC chip and reinsertion of the card.

The necessity of the information of the IC chip can be set in various modes. For example, the necessity can be set according to the type of transaction selected by the user. Such setting can be realized, for example, by storing the types of transactions that can be handled by the automatic transaction device, in association with transactions that require IC chip information and transactions that do not. Such association may be stored in the automatic transaction device itself or in a host computer with which the automatic transaction device communicates. That is, in the present invention, the necessity of the information of the IC chip may be set internally by the automatic transaction apparatus itself, or may be set by inquiring the host computer or the like. Examples of transactions that require information on the IC chip include transactions that require a relatively high security level. For example, if deposit / withdrawal processing is taken as an example, withdrawal from user's account, debit card payment, loan,
Transfers can be mentioned. Transactions that do not require IC chip information include transactions with a relatively low security level, such as deposits.

The necessity of the information of the IC chip may be set according to the transaction account selected by the user. For example, as an account for which the information of the IC chip is required, for example, an account that requires a relatively high security level such as a loan account can be cited.

Whether or not the information on the IC chip is necessary may be set according to the amount of money to be deposited and withdrawn, as an example of the deposit and withdrawal process. For example, when depositing / withdrawing a large amount of money exceeding a certain limit, it is possible to adopt a mode of requesting information on the IC chip.

In the automatic transaction apparatus of the present invention, when the information on the IC chip is set to be necessary, it is preferable to prohibit the transaction processing unless the information on the IC chip is input. By doing so, a high security level can be maintained for transactions.

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

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

[0017]

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

A3. Deposit / Withdrawal Process: FIG. 4 is a flowchart of the deposit / withdrawal process. This is a process executed by the control unit 120. The control unit 120 presents a menu for selecting a transaction item to the operation unit 103 regardless of whether or not a card is inserted, and inputs the selection result (step S10). An example W1 of the menu is illustrated in the figure. Here, the case where four types of transaction subjects of deposit, withdrawal, transfer, and loan are listed, but a larger number of transaction subjects may be enumerated.

When the user selects the transaction item, the control unit 120 sets the necessity of the information of the IC chip based on the result (step S11). Control unit 12
0 stores a table in which the necessity of IC chip information is set in advance for each transaction item, and the process of step S11 is performed by referring to this table according to the transaction item selected by the user. Be seen. This setting itself
Users are not involved. In this embodiment, the control unit 12
An example is illustrated in which 0 stores the above table to set the necessity of the information of the IC chip inside the automatic transaction device 100. On the other hand, the above table may be stored in the host computer 200, and the host computer may determine the necessity. In this case, the control unit 120 sends the selection result of the transaction item to the host computer 2
00, and the necessity determination result is received from the host computer 200, whereby the necessity setting can be realized.

The necessity of the IC chip can be arbitrarily set in consideration of the security level required according to the transaction item, but in the present embodiment, the "deposit" and "withdrawal" are the IC chips. Without the need for information
It is assumed that the "transfer" and "loan" are set to require the information of the IC chip.
For all transactions involving withdrawal from the user's account, including "withdrawal", it is possible to adopt a setting that requires the information of the IC chip.

Next, the control unit 120 accepts the insertion of the card and reads the information stored in the magnetic stripe (MS) (step S12). When the information of the IC chip is set to be unnecessary by the processing of step S11 (step S13), the control unit 120
Transaction information such as a personal identification number and the amount of money is input according to the transaction content (step S50), and deposit / withdrawal processing is performed (step S).
70). The deposit / withdrawal process varies depending on the transaction subject, but includes, for example, communication of deposit / withdrawal information to / from the account to be transacted to the host computer 200, creation of a transaction statement, entry in a passbook, transfer of cash, etc. Be done. When the deposit / withdrawal process is completed in this way, the control unit 120 ejects the card (step S80).

If the information of the IC chip is set to be necessary by the process of step S11 (step S11).
13) The control unit 120 determines whether the information of the IC chip is available (step S1).
4). If the information on the IC chip cannot be used,
For example, a card without an IC chip may be inserted, a multi-striped card may be inserted in the opposite direction, or an IC chip may be installed but cannot be read due to a failure. .

When the information of the IC chip cannot be used due to these causes, the control unit 12
0 causes the user to select a transaction that can be executed only with the information of the magnetic stripe (step S15). An example W2 for selection is shown in the figure. In this menu, transactions that require IC chip information, that is, "transfer",
The “loan” is displayed in a non-selectable state.
When presenting this menu, it is desirable to also present that the transaction details are limited because the IC chip cannot be read. When the transaction subject is reselected in this manner, the control unit 120 executes the transaction using the information of the magnetic stripe (steps S50 to S80).

Instead of selecting the transaction item again, a message indicating that the IC chip cannot be used may be displayed and the card may be ejected once (step S15a). At this time, IC
It is preferable to also provide a reason why the chip is unavailable. For example, when a multi-striped card is inserted in the reverse direction, it is preferable to instruct the user to reinsert the card in the normal direction. A display example W3 for instructing reinsertion is shown in the figure. It should be noted that here, although a flowchart in which the card withdrawal process is performed again from the beginning is illustrated, the process to be executed after step S15a can be appropriately set within the range of steps S10 to S14.

If it is determined in step S14 that the IC information is available, the control unit 12
0 reads the account information stored in the IC chip and presents it to the user to select the account (step S16). In addition, based on the information of the IC chip, the IC
Authentication processing is performed to confirm whether the card is valid (step S17). When authentication is completed in this way,
A transaction is executed based on the information of the IC chip (steps S50 to S80).

According to the deposit / withdrawal process of the first embodiment described above, the necessity of the information of the IC chip is set according to the transaction item, and for the transaction in which the information of the IC chip is not required, the information of the IC chip is set. Information reading is omitted. Therefore,
The processing time can be shortened. In addition, it is possible to avoid the need to re-insert the card, and it is possible to improve convenience.

In the deposit / withdrawal process of the first embodiment, a transaction for which the information on the IC chip is set is not executed unless the information on the IC chip is available (see step S14). So in these transactions,
A high security level based on the use of IC chips can be maintained.

In the first embodiment, if "deposit" or "withdrawal", which is a transaction that does not require the information of the IC chip, is selected, the transaction to the account recorded in the magnetic stripe is executed without selecting the account. The case is illustrated. I
In order to make it possible to deposit into the account recorded in the C chip, a menu "transaction to the account recorded in the IC chip" may be provided in the presentation of the transaction item (step S10).

A4. Modified Example: In the first embodiment, the case where the necessity of the IC chip is determined depending on the transaction subject is illustrated. Since the information of the IC chip can be effectively used for transactions requiring a high security level, the necessity of setting the information may be set in consideration of the amount of transaction.
Such processing is shown as a modification.

FIG. 5 is a flowchart of a deposit / withdrawal process as a modified example. In the first embodiment (FIG. 4), only the processing after the transaction information is input is shown.

When the transaction information is input, the control unit 120 sets the necessity of the IC chip based on the transaction amount in the transaction information (step S60). When the transaction amount exceeds a predetermined upper limit value, the information of the IC chip can be set to be requested. This upper limit value may be a fixed value regardless of the transaction item, or may be set individually according to the transaction item. Alternatively, it may be set for each user.

In this way, when it is judged that the information of the IC chip is unnecessary from the viewpoint of the transaction amount (step S6).
1) As in the first embodiment, deposit / withdrawal processing is performed (step S70), and the card is ejected (step S80).

On the other hand, when the transaction amount is high and it is judged that the information of the IC chip is necessary (step S6)
1), the control unit 120 determines whether the information of the IC chip is available (step S62). Figure 4
As in the case where "withdrawal" is selected in step S10, the transaction information may be input (step S50) without determining whether or not the IC chip can be read. It is determined whether it is available or not.

If the IC chip is unavailable, the control unit 120 prompts the user to re-enter the transaction amount (step S63). In this case, it is required to re-enter the transaction amount such as that the input transaction amount exceeds the upper limit value that can be transacted only with the magnetic stripe information and that the information of the IC chip cannot be read. It is preferable to also present the reason.

When the information on the IC chip is available (step S62), the control unit 120 determines whether the IC authentication has been completed in the previous processing (step S64). This is because when the process that requires the information of the IC chip is selected in step S10, the IC authentication has already been completed (step S17 in FIG. 4), and it is not necessary to repeat the same process. Therefore, in this case, the IC authentication is omitted, and the deposit / withdrawal process and the card discharge are performed (steps S70 and S80). On the other hand, IC
If the authentication is not completed (step S64), I
After performing C authentication (step S65), deposit / withdrawal processing and card ejection are performed (steps S70, S80).

According to the processing of the modified example, the transaction item itself is I
The information of the IC chip can be used properly according to the transaction amount regardless of whether the information of the C chip is required. Therefore, it becomes possible to secure a high security level at the time of high-value transactions.

In addition, in the modification, the case where the judgment by the transaction item (FIG. 4) and the judgment by the transaction amount (FIG. 5) are combined about the necessity of the information of the IC chip is exemplified, but only the judgment by the transaction amount is performed. May be applied.

B. Second Embodiment: In the first embodiment, the case where the necessity of the information of the IC chip is judged by selecting the transaction item in the initial menu is illustrated. The necessity of the information of the IC chip may be set after it is detected that the IC card is inserted in the transaction process, or may be set based on the account selection. The processing in such a case will be described as a second embodiment. The hardware configuration of the automatic transaction device as the second embodiment is the same as that of the first embodiment (FIG. 2) or its modification (FIG. 3). In the following, for convenience of explanation, the processing content is shown based on the configuration of the first embodiment (FIG. 2).

FIG. 6 is a flowchart of the deposit / withdrawal process in the second embodiment. When the control unit 120 starts this process triggered by the insertion of the card, it first inputs the information recorded in the magnetic stripe (step S2).
0). The control unit 120 can determine whether the IC card is inserted based on the information input here.

If the inserted card is not an IC card (step S21), it is not necessary to judge the necessity of the IC chip. Therefore, the control unit 120 executes the transaction according to the information on the magnetic stripe. That is,
Allow the user to select a feasible transaction item based on the magnetic stripe information (step S27), enter transaction information,
Deposit / withdrawal processing is performed (steps S50 and S70), and when completed, the card is ejected (step S80). Since these processes are the same as those in the first embodiment, description thereof will be omitted.

On the other hand, when it is determined that the IC card is inserted, the control unit 120 prompts the user to select an account and a transaction item (step S22).
In the figure, an example menu W4 for selection is illustrated. The user can select the account to be traded from the left column and the transaction subject from the right column. The left column lists all the accounts recorded on the magnetic stripe and the IC chip that were read at this point.

When the transaction item is input in this way, the control unit 120 sets the necessity of the IC chip (step S23). In the second embodiment, the necessity of the IC chip is set in consideration of not only the transaction subject but also the account. For example, if the user selects an account that requires high security in transactions such as "loan account",
It is set to request the information of the IC chip. The control unit 120 stores in advance a table in which the types of accounts and the necessity of IC chips are associated with each other, and the process of step S23 is performed by referring to this table. The type of account and the necessity of the IC chip can be arbitrarily set regardless of the above example.

When it is determined that the information of the IC chip is unnecessary by the processing of step S23, the control unit 1
20 trades based on the information of the magnetic stripe (steps S50 to S80).

When it is judged that the information of the IC chip is necessary, the control unit 120 judges whether the IC chip is in a usable state (step S25).
If the IC chip is available, the IC is authenticated (step S26) and then the transaction is performed (step S5).
0-S80). On the other hand, when the IC chip is not available, the transaction using the information of the magnetic stripe is performed (steps S27 to S80). Step S15 of the first embodiment
Similar to a, the card may be ejected with a display indicating that the IC chip cannot be used.

According to the second embodiment, after it is detected that the IC card has been inserted, whether or not the IC chip is necessary is determined. Can complete the process.

[0064]

According to the present invention, in the transaction in which the information of the IC chip is unnecessary, the reading of the information of the IC chip is omitted, so that the processing by the reading of the IC chip takes a long time and the card is reinserted. It is possible to avoid the harmful effects of.

[Brief description of drawings]

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

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

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

FIG. 4 is a flowchart of deposit / withdrawal processing.

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

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

[Explanation of symbols]

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

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) G06K 19/08 G06K 19/00 Q G07D 13/00 F G07F 19/00 F term (reference) 3E040 AA03 BA07 5B035 AA13 BB02 BB09 BC00 5B058 CA01 CA31 KA12 KA33 YA20

Claims (5)

[Claims] 1. An automatic transaction device for performing transactions according to a user's operation, comprising an information input section for reading information from a card having an IC chip and a magnetic recording section, and at least the IC chip and the magnetic recording section. Based on the information read from one side, the transaction processing unit that performs the transaction processing, and the IC based on the operation of the user in the transaction process.
A request setting unit that sets the necessity of information of a chip, and when the information of the IC chip is set to be unnecessary, the information is not input from the IC chip and the information is stored based on the information of the magnetic recording unit. An automatic transaction apparatus comprising: the information input unit and a control unit that controls the transaction processing unit to perform transaction processing. 2. The automatic transaction apparatus according to claim 1, wherein the necessity is set according to the type of transaction selected by the user. 3. The automatic transaction apparatus according to claim 1, wherein the necessity is set according to an account of a transaction selected by the user. 4. The automatic transaction apparatus according to claim 1, wherein the transaction process is a deposit / withdrawal process, and the necessity is set according to an amount to be deposited / withdrawn. 5. The automatic transaction apparatus according to claim 1, wherein when the information of the IC chip is set to be necessary, the control unit performs the transaction process unless the information of the IC chip is input. An automatic transaction device that controls the information input unit and the transaction processing unit so as to prohibit.