JP2007079697A - Automatic transaction device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an automatic transaction device for continuing transaction even when the magnetic stripe information of a passbook breaks down. <P>SOLUTION: This automatic transaction device comprises a reading processing part 28 for reading passbook print information printed on a passbook, magnetic data recorded in the magnetic stripe of the passbook and card information recorded in a transaction card; an operation type display unit 12 for accepting the operation input of a user by displaying operation guide information on a display picture; and a high order processing part 20 for recognizing the passbook print information and card information read by the reading processing part and a password input by the user, and for transmitting the recognition result to a center device, and for receiving the judgement result of the validity of a passbook having magnetic information whose reading by the reading processing part is impossible by the sensor device. The high order processing part 20 limits following transaction only by the passbook according to the judgement result, and displays the transaction limitation information on the operation type display unit 12. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an automatic transaction apparatus, and more particularly to a control technique for an automatic transaction apparatus that can continue a transaction even when magnetic stripe information in a bankbook is destroyed.

  FIG. 4 is a diagram for explaining the overall configuration of an automatic transaction apparatus such as a conventional automatic teller machine. In the figure, 1 is an automatic transaction apparatus main body, 9 is an operation unit of the main body 1, and a user performs a desired input operation by operating the operation unit 9 in accordance with a transaction operation guide. Reference numeral 7 denotes a passbook printer unit, which passes the passbook received from the take-in port of the main body 1 and draws it into the character reading unit 8 to perform a predetermined printing process. Reference numeral 6 denotes a deposit / withdrawal card reader and a printer unit. A control unit 5 communicates with the center host computer 2 through the communication line 3. Moreover, the automatic transaction apparatus 1 is controlled based on this communication result.

  The center side includes the host computer 2 as described above, and the computer is connected to the center ledger 4 as a database. The center ledger 4 stores information such as account numbers and passwords.

  In this device, when a transaction using a passbook is performed, if a magnetic data reading error occurs, the passbook information read from the passbook (print pages in the middle of printing, print lines, etc.), transaction print information (final balance) Print information), card information (account number, store number, etc.), and a password entered by the user by operating the customer operation unit 9, and the acquired information is transmitted to the host computer 2 of the center. , Request the restoration of the magnetic data of the passbook.

The host computer determines the validity of the request for this request. It is shown that when permission information is notified as a determination result, the magnetic data of the passbook is restored based on the permission information (see Patent Document 1).
JP 2000-187756 A

  According to the conventional example, the magnetic information of the passbook can be restored. However, there are many problems in terms of security because the magnetic information of the destroyed bankbook is restored based on the card information.

  In other words, when a transaction is made using a passbook in which magnetic stripe information has been destroyed by an external magnetic field, etc., the identity is identified from the passbook information, etc., and the destroyed magnetic information is restored and rewritten. Pose significant risks for both customers and financial institutions in terms of security. This invention is made | formed in view of these problems, and provides the control technology of the automatic transaction apparatus which can aim at continuation of transaction, reducing the said risk.

  In order to solve the above problems, the present invention employs the following means.

  A reading processor that reads the passbook print information printed on the passbook, the magnetic data recorded on the magnetic stripe of the passbook, and the card information recorded on the transaction card, and the operation guidance information on the display screen to display the user's An operation-type display that accepts an operation input, passbook print information and card information read by the reading processing unit, and a password entered by a user are recognized, and a recognition result is transmitted to a center device. A host processing unit that receives a determination result of the validity of a passbook having magnetic information that cannot be read by the reading processing unit, and the host processing unit restricts subsequent transactions based only on the passbook according to the determination result; At the same time, the transaction restriction information is displayed on the operation type display.

  Since this invention is provided with the above structure, the control technique of the automatic transaction apparatus which can aim at continuation of a transaction can be provided, reducing the risk from the surface of security.

  Hereinafter, the best embodiment will be described with reference to the accompanying drawings. FIG. 1 is a diagram for explaining an automatic transaction apparatus according to the present embodiment. In the figure, 11 is an automatic transaction apparatus main body, 12 is a tentacle input type operation indicator, and the user operates the display screen of the operation indicator 12 in accordance with the guidance for transaction operation to achieve a desired purpose. Follow the input operation. 13 is a money deposit / withdrawal port, and 14 is a bill deposit / withdrawal port. Reference numeral 15 denotes a passbook take-in port, and the passbook received from the take-in port is drawn into the passbook processing unit 16 for processing. Reference numeral 17 denotes a transaction card insertion / discharge port, and 18 is a statement slip discharge port, which is configured as a part of the card processing / detail slip issuing unit 19. Reference numeral 21 denotes a speaker which conveys operation guidance and various guidance to the user by voice or the like.

  FIG. 2 is a diagram for explaining the details of the automatic transaction apparatus including the passbook processing unit 16. In FIG. 2, the passbook 22 inserted into the passbook entry port 15 (see FIG. 1) is detected by the sensor 23. When a bankbook take-in command is output from the host processing unit 20, the control unit 29 drives the motor 25 and rotationally drives the transport rollers 24A to 24D via a drive belt 26 (partially not shown). The medium such as the bankbook 22 is sandwiched between the rotation-driven conveyance roller and the rollers 24 a to 24 d facing the conveyance roller, and is drawn from the intake port 15. The optical reading unit 33 reads information such as a bar code or a print character of the passbook drawn from the take-in port 15 and transmits the read information to the reading processing unit 28.

  Further, the passbook drawn from the intake port 15 passes through the magnetic head 27. The magnetic head 27 reads the magnetic information on the bankbook and transmits the read magnetic information to the reading processing unit 28. The magnetic head 27 is arranged corresponding to the physical attachment position of the magnetic tape attached to the passbook so that the magnetic information can be read accurately.

  The reading processing unit 28 analyzes the bar code written in the passbook, the information on the printed characters, or the magnetic data on the magnetic stripe, and transmits the analyzed information to the host processing unit 20 via the control unit 29. The host processor 20 determines whether or not to accept the passbook as a genuine passbook based on the received information.

  This determination is generally performed by the recognition processing unit 30 in the host processing unit 20 based on magnetic recording information such as an account number and a financial institution code. Here, when the magnetic data on the magnetic stripe is destroyed and a read error occurs in the magnetic data, analysis based on the magnetic recording information becomes impossible. For this reason, it is determined that this bankbook cannot be handled, the data stored in the guide information storage unit 32 is read, and a message such as “This bankbook cannot be handled. Please check the bankbook again” is displayed on the speaker 21. Information is displayed or displayed on the operation type display 12 with characters, and the bankbook is returned. If a read error of the magnetic information is detected, the print head 31 may perform predetermined printing on the passbook, and then eject it from the intake port 15.

  However, when a magnetic data read error occurs, a part of the transaction can be continued using the information on the transaction card. In this case, for example, a message such as "The magnetic information in the bankbook has been destroyed. If you wish to continue the transaction and have a transaction card for this account, please insert the transaction card." Is displayed on the speaker 21 or displayed in characters on the operation-type display 12. If the user inserts the transaction card into the card processing / details issuing unit 19 according to this guidance and further enters a personal identification number, the user's account can be confirmed.

  Thereafter, the bar code on the passbook or the information of the printed characters on the passbook read through the optical reading unit 33 and the acquired account number are transmitted to the center through the upper processing unit 20. The center compares the printed page and printed line information, transaction card account number information, etc. from the bar code or printed character information on the passbook read by the optical reading unit 33 to verify the validity of the passbook (authenticity). Gender).

  When the center side determines that the bankbook is valid, the card transaction including “withdrawal” can be executed. In this case, the print information of the transaction details is printed on the passbook by the print head 31 via the receiving control unit 29 from the host processing unit. Thereafter, the passbook is returned to the discharge port 27 through the reverse route, and the series of processing of the passbook processing unit is completed. Before returning the bankbook, the magnetic information of the magnetic stripe of the bankbook is updated. In this case, instead of restoring to the normal transaction state in the next transaction, “Because the magnetic information of the passbook is damaged,“ deposit ”and“ bookkeeping ”transactions are possible for transactions with only the passbook. Please update the magnetic information at the window by the deadline.If the magnetic information has not been updated, you can not make a transaction only with the passbook after the deadline has passed. Sound or display on the operation type display 12. Further, the card processing / details issuing unit 19 issues a statement slip printed with the above contents. As a result, the user can be informed that normal transactions cannot be made with the passbook alone unless the magnetic information is updated at the counter of the financial institution until the next transaction.

  FIG. 3 is an operation flowchart for explaining the processing of the automatic transaction apparatus. In FIG. 3, when a bankbook take-in command is issued from the host processing unit 20 (step 101), the motor is started (step 102) and the passbook inserted into the passbook take-in slot 15 is moved from the take-in port 15 by the transport roller. Be drawn. The drawn passbook passes through the optical reading unit 33 and the magnetic head 27, where bar code and print character information on the passbook is read (step 103), and further magnetic data is read (step 104). The read information is transmitted to the reading processing unit 28 (step 105).

  The read processor 28 analyzes the read magnetic data (step 106), and transmits the analysis result to the host processor 20 (step 107). The host processing unit 20 determines whether or not the magnetic data can be read based on the received information (step 108). If the determination result is readable (passbook can be used), continue the transaction, perform cash deposit / withdrawal, passbook entry, data write to passbook magnetic stripe, etc. (step 109), The passbook is returned to the passbook entry port 15 and the process is terminated (step 110).

  If it is determined in step 108 that the magnetic data cannot be read (step 111), “The magnetic information in the bankbook has been destroyed. If you wish to continue the transaction, you have a transaction card for this account. In such a case, insert a card. "A message such as" Insert a card "is notified by the speaker 21 or displayed on the operation display 12 by characters, and a transaction card is requested to be inserted (steps 112 and 113).

  When the card is inserted, the magnetic data of the card is read (step 114), and further the input of a password is requested (step 115). When the personal identification number is input (step 116), the barcode and print character information acquired in step 103 (passbook page number in the middle of writing, passbook information such as a printed line), and the transaction card acquired in step 114 are displayed. Information and a personal identification number are transmitted to the host computer of the center via the host processing unit 20 (step 117).

  The center host computer refers to, for example, the center ledger based on the received passbook information and card information, and recognizes the validity of recognizing the passbook in which the magnetic data is destroyed as a genuine passbook (person's passbook). Judgment is made (step 118).

  If it can be determined that it is the bankbook of the person in question, “Because the magnetic information of the bankbook is damaged, please update the magnetic information at the window by the deadline. If the magnetic information has not been updated In order to inform the customer that the transaction information is restricted for transactions with only the passbook, this is a passbook in which the magnetic information has been destroyed. That effect is displayed from the information storage unit using voice or a display (step 119). Thereafter, according to the selected transaction type, the magnetic information of deposit, bookkeeping, and bankbook is written (step 120). The contents guided in step 119 are printed on a statement slip and issued (step 121), and then the card and passbook are returned to the discharge port to complete a series of processing (step 122). In step 118, if it cannot be recognized as a passbook (cannot be considered valid), “The magnetic information cannot be updated because the magnetic information in the passbook is damaged. Please update the magnetic information at the counter. ”Or the like is displayed using voice or a display (step 123), and then the card and passbook are returned to the outlet to complete a series of processes.

  As described above, according to the present embodiment, even with a bankbook in which the magnetic data of the bankbook has been destroyed due to contact with a magnetic clasp of a mobile phone or a handbag, there are conditions depending on the time limit of the transaction type. You can continue trading. This makes it possible to achieve the customer's immediate objective. Moreover, it is possible to reduce the frequency of going to a window, and it is possible to improve user convenience. In particular, it is effective for financial institutions that install ATMs that allow deposits and withdrawals using just a bankbook, such as post offices, and can be expected to improve customer service and save labor in counter operations.

It is a figure explaining the automatic transaction apparatus which concerns on embodiment of this invention. It is a figure explaining the detail of the automatic transaction apparatus containing the bankbook process part. It is an operation | movement flowchart explaining the process of an automatic transaction apparatus. It is a figure explaining the whole automatic transaction apparatus structure, such as the conventional automatic teller machine.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Automatic transaction apparatus 2 Host computer 3 Communication line 4 Center ledger 5 Control part 6 Deposit / withdrawal card processing unit 7 Passbook printer unit 8 Passbook printing character reading part 9 Operation part 10 Magnetic information restoration key 11 Automatic transaction apparatus main body 12 Tentacle input type Operational indicator 13 Money deposit / withdrawal port 14 Banknote deposit / withdrawal port 15 Passbook entry port 16 Passbook processing unit 17 Transaction card insertion / ejection port 18 Detail slip ejection port 19 Card processing / details issue unit 20 Upper processing unit DESCRIPTION OF SYMBOLS 21 Speaker 22 Passbook 23 Sensor 24A-24D Conveyance roller 25 Motor 26 Drive belt 27 Magnetic head 28 Reading processing part 29 Control part 30 Recognition processing part 31 Print head 32 Guidance information storage part 33 Optical reading part

Claims (5)

A reading processor that reads the passbook print information printed on the passbook, the magnetic data recorded on the magnetic stripe of the passbook, and the card information recorded on the transaction card,
An operation-type display that displays operation guidance information on the display screen and receives user operation inputs;
Recognize the passbook print information and card information read by the reading processing unit and the password entered by the user, and transmit the recognition result to the center device, which cannot be read by the reading processing unit by the center device. It has a high-order processing unit that receives the validity judgment result of a passbook with magnetic information,
The higher order processing unit restricts transactions based only on a subsequent passbook according to the determination result, and displays transaction restriction information on the operation type display. The automatic transaction apparatus according to claim 1,
An automatic transaction apparatus, wherein the upper processing unit displays information for prompting insertion of a transaction card when the magnetic data recorded in the magnetic stripe of the bankbook cannot be read. The automatic transaction apparatus according to claim 1,
The automatic transaction apparatus characterized in that the host processor restricts the types of transactions using the passbook when the magnetic data recorded on the magnetic stripe cannot be read. Respectively reading the passbook print information printed on the passbook, the magnetic data recorded on the magnetic stripe of the passbook, and the card information recorded on the transaction card;
Displaying operation guidance information on a display screen and receiving user operation input;
Recognizing the passbook print information and card information read by the reading processing unit, and the password entered by the user, and transmitting the recognition result to the center device;
Receiving a judgment result of validity of a passbook having magnetic information that cannot be read by the reading processing unit by the center device;
A method for controlling an automatic transaction apparatus comprising the steps of restricting subsequent transactions based only on the passbook according to the determination result and displaying transaction restriction information on the operation type display. In the control method of the automatic transaction apparatus according to claim 4,
The center device determines the validity of a passbook based on the passbook print information and card information.

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