JP2009146014A - Automatic teller machine - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To solve the problem that when magnetic stripe information in a card with an IC chip is destroyed, a user is required to visit a teller counter of a financial institution to reissue the card because it is necessary to read the magnetic stripe information in transactions in an automatic teller machine. <P>SOLUTION: When a magnetic stripe of a card cannot be read, a user checks if the card includes a built-in IC chip or not. When the card includes a built-in IC chip, an automatic teller machine is connected to a host computer using information on the IC chip. Thereby, a transaction can be executed by the automatic teller machine using a card with a built-in IC chip even when magnetic stripe information can not be read. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an automatic cash transaction apparatus capable of various transactions at a financial institution such as a bank.

  Even when using a card incorporating an IC chip, which has been increasing in recent years, it is essential to read the magnetic stripe information of the card. For this reason, when the magnetic stripe information on the card is destroyed, it has conventionally been troublesome to reissue the card at a financial institution (Japanese Patent Laid-Open No. 2001-101363). An object of the present invention is to save the trouble of reissuing a card or reproducing the magnetic stripe information of the card by an automatic teller machine in the case of an IC card that cannot read the magnetic stripe.

JP 2001-101363 A

  According to the prior art, even with an IC card incorporating an IC chip, a magnetic stripe reproduction procedure has to be performed once, which places a burden on the user.

  The present invention aims to solve this problem and reduce the burden on the user.

  In order to solve the above-described problems, the present invention employs the following means, configurations, and the like. Note that it is not necessary to provide all of these items, and two or more items may be combined as appropriate.

  The user selects a transaction in the automatic teller machine and inserts a card.

  When it is determined that the magnetic stripe of the card cannot be read by automatic cash transaction, the user is prompted to select whether the IC card has an IC chip. When the user selects “Is an IC card”, the information in the IC chip is read, and if it is read normally, the user is prompted to enter a personal identification number, a personal identification number, a transaction amount required for the transaction, etc. . After inputting each information by the user, the transaction request is transmitted to the host computer together with the IC chip information of the card read and acquired by the automatic teller machine and the magnetic stripe unreadable. The host computer receives the transaction request and confirms the existence of an account from the personal identification number and IC chip information of the customer information file in order to authenticate the user.

  If the host computer determines that there is an account in the personal authentication, the card authentication is performed by checking the match of the card stripe information in the card information file.

  If the card authentication determines that the card is a true card, the transaction completion response is edited. In addition, when there is card unreadable information in the transaction request, the card writing data is edited based on the card stripe information inquired from the file, and a response is made to the automatic teller machine. The automatic teller machine rewrites the magnetic stripe information of the card according to the information of the card write response received from the host computer.

  On the automatic teller machine side, after rewriting the magnetic stripe information on the card, the fact that it has been rewritten is printed on the statement slip, returned to the user together with the regenerated card, and the transaction is terminated.

  According to the present invention, it is possible to trade with an IC card that cannot read magnetic stripes and reproduce stripe information.

  Hereinafter, an embodiment for executing transaction and reproduction of magnetic stripe information on an IC chip built-in card that cannot read magnetic stripe in an automatic teller machine (ATM: Automated Teller Machines, or simply called automatic transaction apparatus) according to the present invention, Referring to the drawings, a host computer (also referred to as a server or a host device) that connects to this ATM and executes various processes based on requests relating to transactions from the ATM will be described in detail.

  FIG. 1 shows a system including an ATM connected to a host through a communication network, and FIG. 2 shows an internal block diagram of the system shown in FIG.

  The automatic cash transaction apparatus 1 has a function of performing cash withdrawal and deposit transactions and is connected to a line connection unit 11 of a host computer 9 by a line connection unit 8. This automatic cash transaction apparatus 1 is an apparatus that automatically executes various transactions requested by a user, and displays operation guidance (guidance), announcement information, and the like related to those transactions on the screen, and the user's operation. And an operation unit 3 that receives and detects an input pressed with a finger. The operation unit 3 is preferably an input / display unit (also referred to as an input display unit) constituted by a touch panel or the like, and displays various information on the display screen. Of course, pressing of various items included in the display screen is also detected.

  Insertion and ejection operations of cash cards and the like used during transactions of the automatic teller machine 1, or a function of reading or writing magnetic stripe information (MS: Magnetic Stripe) attached to the card (magnetic head, magnetic reading unit) and card The card mechanism unit 4 having a function of reading the IC chip information and the statement slip mechanism unit 4 that prints the transaction contents on the statement slip by the printing unit and discharges it from the apparatus. As shown in FIG. 1, it is desirable that the card mechanism unit and the statement slip mechanism unit are provided on the same unit so that the card and the statement slip can be simultaneously delivered to the user. Furthermore, there is also a passbook mechanism unit 5 that performs processing such as insertion and discharge of passbooks used in various transactions, printing operations by the printing unit to the passbooks, and reading magnetic stripe information affixed to the passbooks with a magnetic head. is there. In the following description, the card possessed by the user is attached with an MS and an IC chip is incorporated, and the information stored in the MS and the information of the IC chip are read by the card mechanism unit 4.

  In addition, the automatic teller machine 1 includes a bill depositing / dispensing mechanism unit 6 and a coin depositing / dispensing mechanism unit 7 that perform depositing and / or dispensing functions of banknotes or coins (medium), medium discrimination, medium transport, and storage. Prepare. The processing of these units (the mechanism or unit is also referred to as means; the same applies hereinafter) is controlled by the control unit 2.

  On the other hand, the host computer 9 connected to the ATM 1 is connected to the line connection unit 8 of the ATM 1, a line connection unit 11 for transmitting or receiving data with the ATM 1, and a file for storing and storing various information related to customer information and the like. A control unit 13 that controls a plurality of files included in the file unit 16, and a host computer control unit 10 that controls these units (also simply referred to as a control unit). This host computer is also simply referred to as a host or the like, and is also referred to as a host station, host, or host device, and various functions described later may be controlled by a server.

  As shown in FIG. 2, it is desirable that the file unit 16 is managed separately for a plurality of files for each different information. A method of managing the file unit 16 as one file in this one file unit (storage unit). It may be. The file unit 16 has two files, a customer information file 13 and a card information file 15. Various processes such as information update and inquiry are executed on each file by the customer information file control unit 12 and the card information file control unit 14. In addition, the function of each control unit such as the customer information file control unit 12 may be provided in the control unit 10, and processing of each file may be executed by the control unit 10.

  The file unit 16 in FIG. 2 is a storage device (also referred to as a storage unit or storage means) that is configured by a hardware configuration such as a magnetic disk or an optical disk and stores various data. This will be described with reference to FIG.

  FIG. 5 shows a customer information file 13, which is a file and storage unit that mainly stores information based on an account that a user has in a financial institution or the like. As shown in the figure, the customer basic information includes the store number 1000 indicating the branch number of the financial institution that opened the user's account, the customer number 1001 uniquely assigned to each user, and the user's identification number. It has an address 1002 for storing address information, a date of birth 1003, and a telephone number 1004 of the user. The “account information”, which is detailed information of the “customer basic information”, includes an account number 1005 that is uniquely assigned to each user's account information and can be identified, and information on the deposit balance of the user corresponding to this account number. Information such as a deposit balance 1006 to be stored, a personal identification number 1007 set by the user himself when issuing a cash card to the user, and a card ID 1008 uniquely added for each account is stored. As in the customer information file 13, it is desirable that the account information 1 and 2 be subordinate to a tree structure based on the “customer basic information”. This figure shows a form in which one user has a plurality of accounts, but when there is only one account, there is only one “account information”. Needless to say, there is a plurality of “customer basic information” for users registered in financial institutions.

  Based on FIG. 3, the transaction processing in the case of an IC card with an abnormal insertion card magnetic stripe reading in ATM will be described. In the following description, the control unit 2 that controls each part of the ATM 1 reads the screen, detects the operation, edits the screen, transmits / receives data to / from the host, and the like, and the host computer control unit 10 that controls each part of the host computer 9 The file inquiry, determination, and data transmission / reception with the ATM 1 will be omitted. These control units include a processor (CPU), a memory for storing control programs, a memory for storing data, and the like.

  The operation unit 3 of the ATM 1 displays an initial screen of “welcome / transaction selection”, and the user starts a transaction by selecting a transaction that the user wants to perform from among a plurality of displayed selection keys.

  After selecting a transaction from the transaction selection screen, the user inserts a card held by the user into the card mechanism unit 4 (step 100, step 101, step 102).

  The ATM 1 reads the magnetic stripe information of the inserted card and determines from the read magnetic stripe information whether it is a card with a built-in IC chip (step 103).

  As a result of reading the magnetic stripe information of the inserted card, if it cannot be read normally, G104 shown in FIG. 6 is displayed to prompt the user to check whether the IC card has an IC chip built-in. After confirming the above-mentioned thing displayed on the operation unit 3 and pressing the “confirm” key of G104, the process proceeds to IC card reading. When the “Cancel” key is pressed, the card is returned and the transaction is terminated (step 104).

  When the inserted card is recognized as an IC chip built-in card, information on the IC chip is read. If the information on the IC chip cannot be read, the card is returned and the transaction is terminated. (Step 105).

  After reading the IC chip, a password input screen and a transaction amount input screen for personal authentication information are displayed on the operation unit 3 to prompt the user to input a password and transaction amount (steps 106 and 107).

After inputting the personal authentication information and the transaction amount, the ATM 1 edits the transaction request data based on the IC chip information of the card inserted by the user, the personal identification number input by the user, and the transaction amount information. And [transaction with read abnormal IC card] (step 108). The central communication (card reproduction) in step 108 will be described later with reference to FIG.
The ATM 1 performs response processing (detail slip printing, cash withdrawal operation, etc.) in response to the transaction request received from the host computer 9 (step 109).

  If the process ends normally, the card, statement, and cash are released and the user waits for receipt. After receipt by the user, the transaction is terminated (step 110, step 111).

  Next, the magnetic stripe reproduction processing of the magnetic stripe reading abnormality card in the automatic teller machine will be described with reference to FIGS.

  After executing Step 100 to Step 107 described in [Transaction with Unusual IC Card], ATM1 reads the result of reading the magnetic stripe information of the card inserted by the user, the IC chip information of the card, and the password entered by the user. Based on the transaction amount information, the transaction request data is edited and communicated with the host computer 9 (step 108).

  The host computer 9 receives the transaction transaction request, edits the transaction response, and makes a transaction response to the automatic cash transaction apparatus 1. At this time, if the transaction request from the host computer 9 automatic teller machine 1 includes “no magnetic stripe read” and it is determined that the magnetic stripe information on the card needs to be rewritten, the magnetic stripe for rewriting the magnetic stripe is included in the transaction response. Reply with information added (steps 200 to 203).

  The ATM 1 that has received the transaction reply rewrites the magnetic stripe information of the card inserted by the user when the host computer 9 instructs to rewrite the magnetic stripe information (step 109).

  By adopting these configurations, when an IC card that cannot read a magnetic stripe is inserted into an ATM, it is possible to realize a transaction by using information on the IC chip and to further reproduce the stripe information. is there. Therefore, since the user can make a transaction without going to the window and exchanging the card, the convenience of the user is greatly improved. In addition, since the procedure for reissuing the card is not necessary for financial institutions, the operational efficiency can be improved.

Outline diagram of automatic teller machine and host computer Internal configuration diagram of automatic teller machine and host computer Flow diagram showing the overall processing of payment transactions on the automated teller machine side Flow chart showing overall processing of magnetic stripe rewriting judgment on the host computer side Internal configuration diagram of customer information file 13 Example of a screen for confirming whether it is an IC card

Explanation of symbols

  DESCRIPTION OF SYMBOLS 1 ... Automatic cash transaction apparatus (ATM), 2 ... Control part, 3 ... Operation part, 4 ... Card mechanism part, statement slip mechanism part, 5 ... Passbook mechanism part, 6 ... Banknote depositing / withdrawing mechanism part , 7 ... Coin deposit / withdrawal mechanism unit, 8 ... Line connection unit, 9 ... Host computer, 10 ... Host computer control unit, 11 ... Line connection unit, 12 ... Customer information file control unit, 13 ... Customer information file, 14 ... Card File control unit, 15 ... card information file

Claims (3)

An automatic transaction apparatus that automatically transactions banknote deposits and withdrawals,
An operation means for displaying various screens and detecting an input to a specific item on the screen;
Card / detail slip mechanism means for reading / writing card information and printing on the slip,
A passbook mechanism means for reading and writing the passbook information and printing;
Control means,
When it is determined that the magnetic stripe of the card inserted by the user cannot be read, the control means displays a screen for allowing the user to check whether the card inserted in the operation means is an IC card, and the IC card If it is input, the information read from the IC chip of the card is transmitted to the host computer, and the information read from the IC chip of the inserted card and the information for authentication by the host computer are transmitted. An automatic transaction apparatus characterized by using the transaction.   The control means displays the information read from the IC chip when the IC chip is normally read when the operation means displays a screen for confirming whether the card is an IC card or not. The automatic transaction apparatus according to claim 1, wherein:   The control means receives magnetic stripe information generated based on information read from an IC chip of the inserted card from the host computer, and writes the magnetic stripe information to the card. The automatic transaction apparatus according to 1 or 2.

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