JP2012133676A - Automatic transaction device, automatic transaction method, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a new and improved automatic transaction device etc. that is capable of performing transaction based on information stored in an IC storage medium, even when an IC card flag cannot be read from a magnetic stripe.SOLUTION: When it is determined that a first magnetic sensor 406 does not read an IC card flag, an automatic transaction device 10 determines whether a cash card for transaction has an IC card flag by using a storage medium other than a first magnetic stripe 2. When it is determined that the cash card for transaction has an IC chip, transaction is performed on the basis of information stored in the IC chip.

Description

  The present invention relates to an automatic transaction apparatus, an automatic transaction method, and a program.

  Customers who have opened an account at a financial institution such as a bank may use a cash card when performing transactions using an automatic transaction machine such as an ATM (Automatic Teller Machine) installed at a branch of a financial institution or a convenience store. Many.

  This cash card has been mainly provided with a magnetic stripe, but in recent years, a combination of this magnetic stripe and an IC chip has also been used. Along with this, as described in Patent Document 1, an automatic transaction apparatus corresponding to a cash card having a magnetic stripe and an IC chip has also become widespread.

  Such an automatic transaction apparatus first reads an IC card flag indicating whether or not the cash card has an IC chip from the magnetic stripe, and determines whether or not the cash card has an IC chip based on the IC card flag. Determine. And when it determines with a cash card having an IC chip, an automatic transaction apparatus will access an IC chip and will acquire the information in an IC chip. Thereafter, the automatic transaction apparatus performs transactions such as withdrawal and transfer of cash based on information acquired from the IC chip.

Japanese Patent Laid-Open No. 11-66208

  However, if the conventional automatic transaction apparatus cannot read the IC card flag from the magnetic stripe, it cannot determine whether or not the cash card has an IC chip, and as a result, the transaction cannot be performed. There was a problem.

  Accordingly, the present invention has been made in view of the above problems, and an object of the present invention is when information on the presence / absence of an IC storage medium such as an IC card flag cannot be read from a magnetic storage medium such as a magnetic stripe. Even so, an object of the present invention is to provide a new and improved automatic transaction apparatus, automatic transaction method, and program capable of performing transactions based on information stored in an IC storage medium.

  In order to solve the above problems, according to one aspect of the present invention, an IC storage medium indicating whether or not the transaction medium has an IC storage medium from a magnetic storage medium included in the transaction medium used for the transaction Magnetic storage medium reading unit for reading information, reading success / failure determination unit for determining whether the magnetic storage medium reading unit has read the IC storage medium presence / absence information, and information acquisition processing for acquiring information from a storage medium other than the magnetic storage medium When the information acquisition unit and the magnetic storage medium reading unit determine that the IC storage medium presence / absence information is not read, the transaction medium uses the IC storage medium based on the result of the information acquisition process by the information acquisition unit. An IC storage medium presence / absence determining unit for determining whether or not the transaction medium has an IC storage medium based on information stored in the IC storage medium. Characterized in that it comprises a transaction processing unit for performing pull, the automatic teller machine is provided.

  Here, the information acquisition unit reads the IC storage medium presence / absence information from another magnetic storage medium which is a transaction medium and is a storage medium other than the magnetic storage medium. Based on the read IC storage medium presence / absence information, it may be determined whether the transaction medium has an IC storage medium.

  The information acquisition unit wirelessly transmits response request information to an IC storage medium that is a storage medium other than the magnetic storage medium, receives response information wirelessly transmitted from the IC storage medium, and the IC storage medium presence determination unit When the signal transmission / reception unit receives the response signal, it may be determined that the transaction medium has an IC storage medium.

  According to another aspect of the present invention, magnetic storage reads IC storage medium presence / absence information indicating whether or not the transaction medium has an IC storage medium from a magnetic storage medium attached to the transaction medium used for the transaction. Information acquisition for performing a medium reading step, a reading success / failure determining step for determining whether IC storage medium presence / absence information has been read in the magnetic storage medium reading step, and an information acquisition process for acquiring information from a storage medium other than the magnetic storage medium When it is determined in the step and the magnetic storage medium reading step that the IC storage medium presence / absence information is not read, it is determined whether the transaction medium has an IC storage medium based on the result of the information acquisition process IC storage medium presence / absence determination step, and when it is determined that the transaction medium has an IC storage medium, based on information stored in the IC storage medium Characterized in that it comprises a transaction processing step of performing pull, the automatic transaction system is provided.

  According to another aspect of the present invention, an IC storage medium presence / absence information indicating whether or not a transaction medium has an IC storage medium is stored in a computer from a magnetic storage medium attached to the transaction medium used for the transaction. A magnetic storage medium reading function for reading, a reading success / failure determining function for determining whether the magnetic storage medium reading function has read the IC storage medium presence / absence information, and an information acquisition process for acquiring information from a storage medium other than the magnetic storage medium Whether the transaction medium has an IC storage medium based on the result of the information acquisition process by the information acquisition function when it is determined that the information acquisition function and the magnetic storage medium reading function have not read the IC storage medium presence / absence information An IC storage medium presence / absence determination function for determining whether or not the transaction medium has an IC storage medium, based on information stored in the IC storage medium. Characterized in that to realize the transaction processing function of performing transactions have, the program is provided.

  As described above, the automatic transaction apparatus according to the present invention uses a storage medium other than the magnetic storage medium when the magnetic storage medium reading unit determines that the IC storage medium presence / absence information is not read. It is determined whether or not an IC storage medium is provided, and when it is determined that the transaction medium has an IC storage medium, a transaction is performed based on information stored in the IC storage medium. Therefore, even if the automatic transaction apparatus cannot read the IC storage medium presence / absence information from the magnetic storage medium, the automatic transaction apparatus can perform a transaction based on the information stored in the IC storage medium.

It is explanatory drawing which shows the IC cash card used by 1st Embodiment of this invention. It is explanatory drawing which shows the cash card which does not have an IC chip. It is a perspective view which shows the external appearance of the automatic transaction apparatus which concerns on the same embodiment. It is a block diagram which shows the internal structure of an automatic transaction apparatus. It is a side view which shows the detailed structure of a card processing part. It is a block diagram which shows the detailed structure of a control part. It is a flowchart which shows the procedure of the process by an automatic transaction apparatus. It is explanatory drawing which shows the IC cash card used by 2nd Embodiment. It is a side view which shows the detailed structure of the card | curd process part which concerns on 2nd Embodiment. It is a block diagram which shows the detailed structure of a control part. It is a flowchart which shows the procedure of the process by an automatic transaction apparatus.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

<1. First Embodiment>
[Schematic configuration of IC cash card 1-1]
First, a schematic configuration of the IC cash card 1-1 used in the first embodiment will be described with reference to FIG. FIG. 1A shows the front surface of the IC cash card 1-1, and FIG. 1B shows the back surface. The IC cash card 1-1 includes a first magnetic stripe 2 (magnetic storage medium), an IC chip (IC storage medium) 3-1, an emboss area 4, an image reading area 5, and a second magnetic stripe 6 (others). Magnetic storage medium). The IC cash card 1-1 is issued by a financial institution, and various specifications (for example, physical, electrical, etc.) are used so that each financial institution participating in the financial network can use it uniformly. And a protocol related to transmission control).

  The first magnetic stripe (JIS2 magnetic stripe) 2 includes an identification code for identifying the financial institution that issued the IC cash card 1-1, the account number of the holder of the IC cash card 1-1, and the IC cash card 1-1. The first magnetic information including an IC card flag (IC storage medium presence / absence information) indicating whether or not has an IC chip 3-1 is stored according to a predetermined unified format.

  The IC chip 3-1 is a contact type and has an integrated circuit. The integrated circuit stores IC information that is the same as or associated with information stored in the first magnetic stripe 2, and exchanges IC information with the automatic transaction apparatus 10. Such IC information includes an identification code for identifying the financial institution that issued the IC cash card 1-1 and the account number of the holder of the IC cash card 1-1. Further, since the surface of the IC chip 3-1 constitutes an electrical contact portion, the color is different from other portions of the IC cash card 1-1.

  In the embossing area 4, the account number and name of the holder of the IC cash card 1-1 are printed by embossing.

  The image reading area 5 is an area including at least the area where the IC chip 3-1 is provided and the embossed area 4, and is an object of image reading by the card processing unit 40 described later. That is, the card processing unit 40 reads information drawn in the image reading area 5, for example, an account number printed in the embossed area 4.

  The second magnetic stripe (JIS 1 magnetic stripe) 6 includes an identification code for identifying the financial institution that issued the IC cash card 1-1, the account number of the holder of the IC cash card 1-1, and the IC cash card 1-1. Stores the second magnetic information including an IC card flag indicating whether or not it has the IC chip 3-1 according to a predetermined unified format.

[Regarding cash card without IC chip 3-1]
FIG. 2 is an explanatory diagram showing a cash card (hereinafter also referred to as “magnetic cash card”) 1-2 that does not have the IC chip 3-1. 2A shows the front surface of the magnetic cash card 1-2, and FIG. 2B shows the back surface. As shown in FIG. 3, the magnetic cash card 1-2 has the same configuration as the IC cash card 1-1 except that it does not have the IC chip 3-1. The automatic transaction apparatus 10 according to the first embodiment corresponds to both the IC cash card 1-1 and the magnetic cash card 1-2. Hereinafter, the IC cash card 1-1 and the magnetic cash card 1-2 are also simply referred to as “transaction cash card”. Further, the holder of the transaction cash card is also simply referred to as “customer”.

[External configuration of automatic transaction apparatus 10]
Next, based on FIG. 3, the external structure of the automatic transaction apparatus 10 is demonstrated. The automatic transaction apparatus 10 has, as its external configuration, a housing 11, a card slot 12, a bankbook slot 13, a banknote slot 14, a coin slot 15, a customer service unit 16, and an approach detection sensor 17. Is provided.

  The housing 11 contains the internal configuration of the automatic transaction apparatus 11, such as the video acquisition unit 20 and the card processing unit 40. The card entry / exit 12 is a portion where a transaction cash card is entered / exited. That is, the automatic transaction apparatus 10 supports transactions using the magnetic cash card 1-2 in addition to the IC cash card 1-1. The passbook entry / exit 13 is a portion where the passbook is entered / exited. The banknote inlet / outlet 14 is a part where a banknote is inserted / extracted, and the coin inlet / outlet 15 is a part where a coin is inserted / extracted. The customer service unit 16 is a display with a touch panel, and displays an image corresponding to the progress of the transaction (for example, an image on which a plurality of buttons indicating the type of transaction item (such as “transfer”) is drawn). The customer can proceed with the transaction by touching the desired button (eg, a button depicting the desired transaction). The customer service sensor 17 detects that a person has approached the automatic transaction apparatus 10.

[Internal configuration of automatic transaction apparatus 10]
Next, based on FIG. 4, the internal structure of the automatic transaction apparatus 10 is demonstrated. The automatic transaction apparatus 10 has, as its internal configuration, a video acquisition unit 20, a passbook processing unit 30, a card processing unit 40, a statement slip processing unit 50, a banknote deposit / withdrawal unit 60, a coin deposit / withdrawal unit 70, The power supply unit 80, the storage unit 90, the interface unit 100, and the control unit 110-1 are included. The automatic transaction apparatus 10 has a hardware configuration such as a CPU, ROM, RAM, hard disk, various actuators, printing device, digital camera, banknote transport path, denomination cassette, and the like. A functional block is realized.

  The video acquisition unit 20 is a so-called digital camera, and is disposed on the top of the housing 11. The video acquisition unit 20 photographs a customer who uses the automatic transaction apparatus 10 and outputs the image information obtained thereby to the control unit 110-1. The control unit 110-1 extracts the customer's face image from the image information given from the video acquisition unit 20, and performs various processes based on the extracted face image.

  The passbook processing unit 30 performs various processes on the passbook inserted from the passbook entry / exit 13 (for example, printing on the passbook, reading the magnetic stripe attached to the passbook, writing to the magnetic stripe, detecting the print page, and modifying the passbook). Page, etc.), and then return the bankbook from the bank entry / exit 13.

  The card processing unit 40 performs various processes (reading of the first magnetic stripe 2 and the second magnetic stripe 6, access to the IC chip 3-1, etc.) on the transaction cash card inserted from the card entry / exit 12. After the transaction, the transaction cash card is returned from the card slot 12.

  The statement slip processing unit 50 creates a statement slip by printing the transaction date, transaction amount, balance, etc. on a predetermined sheet, and discharges it from a discharge port (not shown) formed near the card slot 12. To do.

  The banknote deposit / withdrawal unit 60 discriminates the authenticity of the banknotes deposited from the banknote slot 14, counts the banknotes, and conveys them to a denomination cassette. Moreover, the banknote depositing / withdrawing part 60 pays out the banknote paid to the customer from the cassette of the denomination and discharges it from the banknote slot 14.

  The coin deposit / withdrawal unit 70 discriminates the authenticity of the coins deposited from the coin deposit / exit 15, counts the coins, and conveys them to a denomination cassette. Further, the coin deposit / withdrawal unit 70 pays out the coins to be paid to the customer from the denomination cassette and discharges it from the coin deposit / exit 15.

  The power supply unit 80 supplies a drive voltage to each component of the automatic transaction apparatus 10. The storage unit 90 stores information acquired by the card processing unit 40 from the transaction cash card, various programs, and the like, and is also used as a work area by the control unit 110. The interface unit 100 is connected to the first host computer 200 and exchanges information with the first host computer 200.

  In addition to controlling each component of the automatic transaction apparatus 10, the control unit 110-1 determines whether or not the transaction cash card has an IC chip, and performs a transaction based on information stored in the IC chip.

[Network configuration]
Next, a network to which the automatic transaction apparatus 10 is connected will be described based on FIG. The automatic transaction apparatus 10 is connected to a first host computer 200, and the first host computer 200 is connected to a second host computer 230 via a network 220. The first host computer 200 is connected to the storage device 210, and the second host computer 230 is connected to the storage device 240.

  The first host computer 200 is installed in a first financial institution that maintains and manages the automatic transaction apparatus 10 and serves as a host device of the automatic transaction apparatus 10. The storage device 210 is managed and controlled by the first host computer 200, and an account data file (for each account managed by the first financial institution, an account number, a deposit balance, a usage status, a magnetic stripe restoration count, and a transaction cache) Or the like recorded as to whether the card is an IC cash card 1-1) or the like.

  The second host computer 230 is installed in a second financial institution different from the first financial institution. The storage device 240 is managed and controlled by the second host computer 230, and an account data file (for each account managed by the second financial institution, account number, deposit balance, usage status, number of times of magnetic stripe restoration, and transaction Or the like recorded as to whether the cash card is an IC cash card 1-1) or the like. The first host computer 200 and the second host computer 230 can exchange information stored in the storage devices 210 and 240 with each other.

[Configuration of Card Processing Unit 40]
Next, a detailed configuration of the card processing unit 40 will be described with reference to FIG. The card processing unit 40 includes a conveyance path 401, a conveyance roller 402, an insertion detection sensor 403, a first magnetic sensor 406, a second magnetic sensor 407, an emboss reading unit 410, and an IC reading unit 414. A storage 416. The card processing unit 40 is also provided with a sensor for detecting the conveyance status (for example, the position of a transaction cash card).

  The transport path 401 is a passage through which transaction cash cards are transported, and connects the card slot 12 and the forgotten storage 416.

  A plurality of conveyance rollers 402 are provided on the conveyance path 401 at intervals, and are driven by a roller driving device (not shown). Thereby, the conveyance roller 402 conveys the transaction cash card in the conveyance path 401 to the forgotten storage 416 side and the card slot 12 side. That is, the transaction cash card (IC cash card 1-1 shown as an example in FIG. 5) inserted in the card entrance / exit 12 in the direction of arrow A is introduced into the transport path 401 by the transport roller 402. Thereafter, the transaction cash card is transported in the transport path 401 by the transport roller 402 and finally returned to the customer from the card entrance 12 or discharged to the forgotten storage 416 in the direction of arrow C. .

  The insertion detection sensor 403 detects a transaction cash card introduced into the transport path 401. When detecting the transaction cash card, the insertion detection sensor 403 outputs detection information to that effect to the control unit 110-1.

  The first magnetic sensor 406 is provided behind the insertion detection sensor 403 (on the side of the forgotten storage 416) and above the transport path 401, and is driven by a first magnetic sensor driving device (not shown), so that it becomes a transaction cash card. The first magnetic stripe 2 is contacted. Accordingly, the first magnetic sensor 406 reads the first magnetic information stored in the first magnetic stripe 2. Then, the first magnetic sensor 406 outputs the read first magnetic information to the control unit 110-1.

  The second magnetic sensor 407 is provided below the transport path 401 and at a position facing the first magnetic sensor 406, and is driven by a second magnetic sensor driving device (not shown), so that the second magnetic sensor 407 is attached to the transaction cash card. 2 Touch the magnetic stripe 6. Thereby, the second magnetic sensor 407 reads the second magnetic information stored in the second magnetic stripe 6. Then, the second magnetic sensor 407 outputs the read second magnetic information to the control unit 110-1.

  The emboss reading unit 410 is provided behind the first magnetic sensor 406, and optically reads information drawn in the image reading area 5 of the transaction cash card (for example, an account number printed in the embossing area 4). The read information is output to the control unit 110-1. This information is used when creating a statement slip.

  The IC reading unit 414 is provided at a position behind the emboss reading unit 410 and away from the conveyance path 401. When it is determined that the transaction cash card has the IC chip 3-1, the IC reading unit 414 moves in the direction of the arrow B and presses against the IC chip 3-1 of the transaction cash card. Then, the IC reading unit 414 reads the IC information stored in the IC chip 3-1, and outputs it to the control unit 110-1.

[Configuration of Control Unit 110-1]
Next, based on FIG. 6, the structure of the control part 110-1 is demonstrated. The control unit 110-1 includes a reading success / failure determination unit 111-1, an IC storage medium presence / absence determination unit 112-1, and a transaction processing unit 113-1.

  Based on the first magnetic information given from the first magnetic sensor 406, the reading success / failure determination unit 111-1 determines whether or not the first magnetic sensor 406 has read the IC card flag. Specifically, the reading success / failure determination unit 111-1 determines whether or not an IC card flag is included in the first magnetic information given from the first magnetic sensor 406.

  When it is determined that the first magnetic sensor 406 has read the IC card flag, the reading success / failure determination unit 112-1 uses the first magnetic information provided from the first magnetic sensor 406 as the IC storage medium presence determination unit 112-1. Output to. On the other hand, if the reading success / failure determination unit 111-1 determines that the first magnetic sensor 406 has not read the IC card flag, it outputs magnetic failure information to that effect to the IC storage medium presence / absence determination unit 112-1. .

  When the first magnetic information is given from the read success / failure determination unit 111-1, the IC storage medium presence / absence determination unit 112-1 determines whether the transaction cash card is based on the IC card flag included in the first magnetic information. It is determined whether or not the IC chip 3-1 is included.

  As a result, if the IC storage medium presence / absence determination unit 112-1 determines that the transaction cash card has the IC chip 3-1, the IC chip presence determination information to that effect is output to the transaction processing unit 113-1. To do. On the other hand, when determining that the transaction cash card does not have the IC chip 3-1, the IC storage medium presence / absence determination unit 112-1 outputs the first magnetic information to the transaction processing unit 113-1.

  When receiving the magnetic failure information from the reading success / failure determination unit 111-1, the IC storage medium presence / absence determination unit 112-1 is based on the second magnetic information provided from the second magnetic sensor 407. It is determined whether or not the card has an IC chip 3-1.

  The IC storage medium presence / absence determination unit 112-1 determines whether the second magnetic sensor 407 has read the IC card flag based on the second magnetic information given from the second magnetic sensor 407. Specifically, the IC storage medium presence / absence determination unit 112-1 determines whether or not an IC card flag is included in the second magnetic information given from the second magnetic sensor 407.

  If it is determined that the second magnetic sensor 407 has read the IC card flag, the IC storage medium presence / absence determination unit 112-1 determines whether the transaction cash card has the IC chip 3-1 based on the IC card flag. Determine whether or not.

  As a result, if the IC storage medium presence / absence determination unit 112-1 determines that the transaction cash card has the IC chip 3-1, the IC chip presence determination information to that effect is output to the transaction processing unit 113-1. To do. On the other hand, when determining that the transaction cash card does not have the IC chip 3-1, the IC storage medium presence / absence determination unit 112-1 outputs the second magnetic information to the transaction processing unit 113-1.

  When determining that the second magnetic sensor 407 has not read the IC card flag, the IC storage medium presence / absence determination unit 112-1 outputs magnetic failure information to that effect to the transaction processing unit 113-1.

  Transaction processing unit 113-1 controls each component of automatic transaction apparatus 10. On the other hand, when the IC chip presence determination information is given from the IC storage medium presence / absence determination unit 112-1, the transaction processing unit 113-1 drives the IC reading unit 414 shown in FIG. It is brought into pressure contact with the IC chip 3-1 of the transaction cash card. Thereafter, a transaction is performed based on the IC information given from the IC reading unit 414. On the other hand, when the first magnetic information or the second magnetic information is given from the IC storage medium presence / absence determining unit 112-1, the transaction processing unit 113-1 performs a transaction based on the information. On the other hand, the transaction processing unit 113-1 returns the transaction cash card to the customer using the transport roller 402 when the magnetic failure information is given from the IC storage medium presence / absence determination unit 112-1.

[Processing by the automatic transaction apparatus 10]
Next, based on FIG. 7, the procedure of the process by the automatic transaction apparatus 10 is demonstrated. In step S <b> 10, the automatic transaction apparatus 10 causes the guide unit 16 to display a standby image. Thereafter, when the customer approaches the automatic transaction apparatus 10 and enters the predetermined operation range (within the detection range of the proximity detection sensor 17), the proximity detection sensor 17 outputs detection information to the transaction processing unit 113-1. When the detection information is given, the transaction processing unit 113-1 displays a transaction selection image (an image in which a plurality of buttons on which the type of transaction is drawn) is displayed on the guide unit 16. Thereafter, when a transaction requiring a transaction cash card is selected by the customer (for example, a “drawer” button is pressed by the customer), transaction processing unit 113-1 drives the roller driving device. On the other hand, even when the customer inserts a transaction cash card into the card slot 12 without selecting a transaction, the transaction processing unit 113-1 drives the roller driving device.

  Next, the transaction processing unit 113-1 waits until detection information is given from the insertion detection sensor 403. On the other hand, the customer inserts the transaction cash card into the card slot 12, and the transport roller 402 introduces the transaction cash card into the transport path 401. Thereby, the insertion detection sensor 403 detects the transaction cash card and outputs the detection information to the transaction processing unit 113-1. When the detection information is given, the transaction processing unit 113-1 uses the transfer roller 402 to transfer the transaction cash card between the first magnetic sensor 406 and the second magnetic sensor 407.

  In step S <b> 20, the reading success / failure determination unit 111-1 brings the first magnetic sensor 406 into contact with the first magnetic stripe 2. As a result, the first magnetic sensor 406 can read the first magnetic information stored in the first magnetic stripe 2. The first magnetic sensor 406 reads the first magnetic information stored in the first magnetic stripe 406 and outputs it to the reading success / failure determination unit 111-1. When a part of the first magnetic information is degaussed for some reason, the first magnetic sensor 406 can output only the remaining part of the first magnetic information to the reading success / failure determination unit 111-1. In addition, when the first magnetic information is completely demagnetized, the first magnetic sensor 406 cannot read the first magnetic information and output it to the success / failure determination unit 111-1.

  Based on the first magnetic information given from the first magnetic sensor 406, the reading success / failure determination unit 111-1 determines whether or not the first magnetic sensor 406 has read the IC card flag. Specifically, the reading success / failure determination unit 111-1 determines whether or not an IC card flag is included in the first magnetic information given from the first magnetic sensor 406.

  When it is determined that the first magnetic sensor 406 has read the IC card flag, the reading success / failure determination unit 111-1 uses the first magnetic information provided from the first magnetic sensor 406 as the IC storage medium presence determination unit 112-1. The process proceeds to step S40.

  On the other hand, when it is determined that the first magnetic sensor 406 has not read the IC card flag, the reading success / failure determination unit 111-1 outputs magnetic failure information to that effect to the IC storage medium presence determination unit 112-1. The process proceeds to step S30.

  Even when the first magnetic sensor 406 does not give the first magnetic information, the reading success / failure determination unit 111-1 determines that the first magnetic sensor 406 has not read the IC card flag, and information on the magnetic failure to that effect. Is output to the IC storage medium presence / absence determination unit 112-1, and the process proceeds to step S30.

  When the reading success / failure determination unit 111-1 determines that the first magnetic sensor 406 has not read the IC card flag, the processing of step S20 may be repeated a predetermined number of times before proceeding to step S30.

  In step S30, the IC storage medium presence / absence determining unit 112-1 brings the second magnetic sensor 407 into contact with the second magnetic stripe 6 when the magnetic failure information is given from the reading success / failure determining unit 111-1. Thereby, the second magnetic sensor 406 can read the second magnetic information stored in the second magnetic stripe 6. The second magnetic sensor 407 outputs the second magnetic information stored in the second magnetic stripe 407 to the IC storage medium presence / absence determining unit 112-1.

  Next, the IC storage medium presence / absence determining unit 112-1 determines whether or not the transaction cash card has the IC chip 3-1 based on the second magnetic information given from the second magnetic sensor 407.

  In other words, the IC storage medium presence / absence determination unit 112-1 determines whether the second magnetic sensor 407 has read the IC card flag based on the information given from the second magnetic sensor 407. Specifically, the IC storage medium presence / absence determination unit 112-1 determines whether or not the information provided from the second magnetic sensor 407 includes an IC card flag.

  If it is determined that the second magnetic sensor 407 has read the IC card flag, the IC storage medium presence / absence determination unit 112-1 proceeds to step S40 and determines that the second magnetic sensor 407 has not read the IC card flag. In that case, magnetic failure information to that effect is output to transaction processing section 113-1, and the process proceeds to step S70.

  In step S40, the IC storage medium presence / absence determination unit 112-1 determines whether the transaction cash card has the IC chip 3-1 based on the IC card flag included in the first magnetic information or the second magnetic information. judge.

  As a result, if the IC storage medium presence / absence determination unit 112-1 determines that the transaction cash card has the IC chip 3-1, the IC chip presence determination information to that effect is output to the transaction processing unit 113-1. Then, the process proceeds to step S50. On the other hand, if the IC storage medium presence / absence determining unit 112-1 determines that the transaction cash card does not have the IC chip 3-1, the magnetic information used for this determination (for example, directly from step S20 (step S30). If the process proceeds to step S40, the first magnetic information is output to the transaction processing unit 113-1, and the process proceeds to step S60.

  In step S50, the transaction processing unit 113-1 recognizes that the transaction cash card has the IC chip 3-1, when the IC chip presence information is given from the IC storage medium presence / absence determination unit 112-1. Then, the transaction processing unit 113-1 moves the transaction cash card to below the IC reading unit 414 using the transport roller 402. And transaction processing part 113-1 drives IC reading part 414 in the direction of arrow B, and makes pressure contact IC chip 3-1 of a transaction cash card. As a result, the IC reading unit 414 can access the IC chip 3-1. The IC reading unit 414 acquires IC information from the IC chip 3-1, and outputs the IC information to the transaction processing unit 113-1.

  In step S60, the transaction processing unit 113-1 performs processing necessary for the transaction based on the magnetic information given from the IC storage medium presence / absence judging unit 112-1 or the IC information given from the IC reading unit 414 (for example, (Receive input of personal identification number and transaction amount, transfer of transaction amount, payment, etc.). Thereafter, the transaction processing unit 113-1 returns the transaction cash card to the customer, and ends the process. The transaction processing unit 113-1 determines that the customer has forgotten to remove the card if the transaction cash card stays at the card entry / exit 12 for a predetermined time when the transaction cash card is returned. Forget to take the card and store it in the storage 416.

  In step S70, the transaction processing unit 113-1 recognizes that a defect has occurred in the magnetism of the transaction cash card based on the magnetic defect information given from the IC storage medium presence / absence determination unit 112-1. In step S80, transaction processing unit 113-1 returns the transaction cash card to the customer. Thereafter, the transaction processing unit 113-1 ends the process.

  As described above, when it is determined that the first magnetic sensor 406 has not read the IC card flag, the automatic transaction apparatus 10 uses the storage medium other than the first magnetic stripe 2 to store the transaction cash card in the IC chip 3- 1 is determined. If the automatic transaction apparatus 10 determines that the transaction cash card has the IC chip 3-1, the automatic transaction apparatus 10 performs the transaction based on the IC information stored in the IC chip 3-1. Therefore, even if the automatic transaction apparatus 10 cannot read the IC card flag from the first magnetic stripe 2, it can make a transaction based on the information stored in the IC chip 3-1. Conventionally, when the first magnetic information of the first magnetic stripe 2 is demagnetized, the customer has to perform a transaction using an automatic transaction apparatus after rewriting at a financial institution. However, the automatic transaction apparatus 10 according to the present embodiment does not need to perform such a procedure.

  Specifically, if the automatic transaction apparatus 10 determines that the first magnetic sensor 406 has not read the IC card flag, the automatic transaction apparatus 10 determines the transaction cash based on the second magnetic information read by the second magnetic sensor 407. Since it is determined whether or not the card has the IC chip 3-1, the determination can be easily performed. In the above-described processing, when the first magnetic sensor 406 has not read the IC card flag, the second magnetic sensor 407 reads the second magnetic information. However, the first magnetic sensor 406 and the second magnetic sensor 407 may read magnetic information at the same time.

<Second Embodiment>
Next, a second embodiment will be described. In the second embodiment, only parts different from the first embodiment will be described. The automatic transaction apparatus 10 according to the second embodiment includes the types of IC cash cards that can be used, the configuration of the card processing unit, the configuration of the control unit, and the processing by the control unit according to the first embodiment. Different from the device 10.

[Configuration of IC Cash Card 1-3]
FIG. 8 shows an IC cash card 1-3 used in the second embodiment. That is, the automatic transaction apparatus according to the second embodiment is compatible with the IC cash card 1-3 in addition to the magnetic cash card 1-2. Hereinafter, “transaction cash card” includes this IC cash card 1-3.

  The IC cash card 1-3 has a non-contact type IC chip 3-2 instead of the contact type IC chip 3-1. The IC chip 3-2 is embedded in the IC cash card 1-3. Other configurations are the same as those of the IC cash card 1-1. In FIG. 8, the IC cash card 1-3 has the second magnetic stripe 6, but the second magnetic stripe 6 may not be provided.

[Configuration of Card Processing Unit 41]
Next, the card processing unit 41 used in the second embodiment will be described with reference to FIG. Unlike the card processing unit 40 according to the first embodiment, the card processing unit 41 does not have the second magnetic sensor 407. Further, the card processing unit 41 has a non-contact type IC reading unit 420 (signal transmission / reception unit) instead of the IC reading unit 414. The IC reading unit 420 transmits response request information to the IC chip 3-2. In response to this, the IC chip 3-2 transmits response information.

  The card processing unit 41 may include the second magnetic sensor 407, and the IC reading unit 420 may have the function of the contact type IC reading unit 414.

[Configuration of Control Unit 110-2]
Next, based on FIG. 10, the structure of the control part 110-2 which concerns on 2nd Embodiment is demonstrated. The control unit 110-2 includes a reading success / failure determination unit 111-2, an IC storage medium presence / absence determination unit 112-2, and a transaction processing unit 113-2.

  The reading success / failure determination unit 111-2 performs the same processing as the reading success / failure determination unit 111-1 according to the first embodiment.

  When the first magnetic information is given from the read success / failure determination unit 111-1, the IC storage medium presence / absence determination unit 112-2 determines whether the transaction cash card is based on the IC card flag included in the first magnetic information. It is determined whether or not the IC chip 3-2 is provided.

  As a result, if the IC storage medium presence / absence determining unit 112-2 determines that the transaction cash card has the IC chip 3-2, the IC chip presence determination information to that effect is output to the transaction processing unit 113-2. To do. On the other hand, when determining that the transaction cash card does not have the IC chip 3-2, the IC storage medium presence / absence determination unit 112-2 outputs the first magnetic information to the transaction processing unit 113-2.

  When receiving the magnetic failure information from the reading success / failure determining unit 111-2, the IC storage medium presence / absence determining unit 112-2 moves the transaction cash card to below the IC reading unit 420 using the transport roller 402. The response request information is transmitted to the IC reading unit 420. When receiving the response information, the IC reading unit 420 outputs the response information to the IC storage medium presence / absence determining unit 112-2.

  When the response information is given from the IC reading unit 420, the IC storage medium presence / absence determination unit 112-2 determines that the transaction cash card has the IC chip 3-2, and the IC chip presence determination information to that effect. Is output to transaction processing section 113-2. On the other hand, when the response information is not given from the IC reading unit 420, the IC storage medium presence / absence determination unit 112-1 determines that the transaction cash card does not have the IC chip 3-2, and deals with magnetic failure information. The data is output to the processing unit 113-2.

  Transaction processing unit 113-2 controls each component of automatic transaction apparatus 10. On the other hand, when the IC chip presence determination information is given from the IC storage medium presence / absence determination unit 112-2, the transaction processing unit 113-2 causes the IC reading unit 420 to read the IC information of the IC chip 3-2. The IC reading unit 420 outputs the read IC information to the transaction processing unit 113-2. The transaction processing unit 113-1 performs a transaction based on the IC information. The transaction processing unit 113-2 is configured such that when the IC chip presence determination information is given from the IC storage medium presence / absence determination unit 112-2, the transaction cash card is arranged below the first magnetic sensor 406. First, the transaction cash card is moved to a position below the IC reading unit 420, and then the above processing is performed.

  On the other hand, when the first magnetic information is given from the IC storage medium presence / absence determining unit 112-1, the transaction processing unit 113-2 performs a transaction based on the first magnetic information. When the transaction processing unit 113-2 is provided with magnetic failure information from the IC storage medium presence / absence determination unit 112-2, the transaction processing unit 113-2 uses the transport roller 402 to return the transaction cash card to the customer.

[Processing by the automatic transaction apparatus 10]
Next, based on FIG. 11, the procedure of the process by the automatic transaction apparatus 10 will be described. The process of step S100 is the same as the process of step S10 according to the first embodiment.

  In step S <b> 110, the reading success / failure determination unit 111-2 brings the first magnetic sensor 406 into contact with the first magnetic stripe 2. As a result, the first magnetic sensor 406 can read the first magnetic information stored in the first magnetic stripe 2. The first magnetic sensor 406 reads the first magnetic information stored in the first magnetic stripe 406 and outputs it to the success / failure determination unit 111-2.

  Based on the first magnetic information given from the first magnetic sensor 406, the reading success / failure determination unit 111-2 determines whether or not the first magnetic sensor 406 has read the IC card flag. Specifically, the reading success / failure determination unit 111-2 determines whether or not an IC card flag is included in the first magnetic information provided from the first magnetic sensor 406.

  If the reading success / failure determination unit 111-2 determines that the first magnetic sensor 406 has read the IC card flag, the IC storage medium presence / absence determination unit 112-1 uses the first magnetic information provided from the first magnetic sensor 406. The process proceeds to step S130.

  On the other hand, when it is determined that the first magnetic sensor 406 has not read the IC card flag, the reading success / failure determination unit 111-2 outputs magnetic failure information to that effect to the IC storage medium presence / absence determination unit 112-1. The process proceeds to step S120.

  Even when the first magnetic information is not given from the first magnetic sensor 406, the reading success / failure determination unit 111-2 determines that the first magnetic sensor 406 has not read the IC card flag, and magnetic failure information to that effect. Is output to the IC storage medium presence / absence determination unit 112-2, and the process proceeds to step S120.

  If the reading success / failure determination unit 111-2 determines that the first magnetic sensor 406 has not read the IC card flag, the processing of step S110 may be repeated a predetermined number of times before proceeding to step S120.

  In step S120, the IC storage medium presence / absence determining unit 112-2 uses the transport roller 402 to transfer the transaction cash card below the IC reading unit 420 when the magnetic failure information is given from the reading success / failure determining unit 111-2. To the IC reader 420 to send response request information. When receiving the response information, the IC reading unit 420 outputs the response information to the IC storage medium presence / absence determining unit 112-2.

  When the response information is given from the IC reading unit 420, the IC storage medium presence / absence determination unit 112-2 determines that the transaction cash card has the IC chip 3-2. Then, the IC storage medium presence / absence determining unit 112-2 outputs the IC chip presence determination information to that effect to the transaction processing unit 113-2, and proceeds to step S140. On the other hand, when the response information is not given from the IC reading unit 420, the IC storage medium presence / absence determination unit 112-1 determines that the transaction cash card does not have the IC chip 3-2. Then, the IC storage medium presence / absence determining unit 112-2 outputs the magnetic failure information to the transaction processing unit 113-2, and the process proceeds to step S160.

  In step S130, the IC storage medium presence / absence determination unit 112-2 determines whether or not the transaction cash card has the IC chip 3-2 based on the IC card flag included in the first magnetic information.

  As a result, if the IC storage medium presence / absence determining unit 112-2 determines that the transaction cash card has the IC chip 3-2, the IC chip presence determination information to that effect is output to the transaction processing unit 113-2. Then, the process proceeds to step S140. On the other hand, if it is determined that the transaction cash card does not have the IC chip 3-2, the IC storage medium presence / absence determination unit 112-2 outputs the first magnetic information to the transaction processing unit 113-2, and step S150. Proceed to

  In step S140, the transaction processing unit 113-2 recognizes that the transaction cash card has the IC chip 3-2 when the IC chip presence determination information is given from the IC storage medium presence determination unit 112-2.

  Then, the transaction processing unit 113-2 causes the IC reading unit 420 to read the IC information of the IC chip 3-2. The IC reading unit 420 outputs the read IC information to the transaction processing unit 113-2. The transaction processing unit 113-2 is configured such that when the IC chip presence determination information is given from the IC storage medium presence / absence determination unit 112-2, the transaction cash card is arranged below the first magnetic sensor 406. First, the transaction cash card is moved to a position below the IC reading unit 420, and then the above processing is performed.

  The processing from step S150 to step S170 is the same as that from step S60 to step S80 according to the first embodiment.

  As described above, when it is determined that the first magnetic sensor 406 has not read the IC card flag, the automatic transaction apparatus 10 determines whether or not the transaction cash card is based on whether the IC reading unit 420 has received the response information. Determines whether it has the IC chip 3-2. Therefore, the automatic transaction apparatus 10 can determine the presence or absence of the IC chip 3-2 even when the transaction cash card does not have the second magnetic stripe 6.

  The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

1-1, 1-3 IC cash card 1-2 Magnetic cash card 2 First magnetic stripe 3-1, 3-2 IC chip 4 Embossed area 5 Image reading area 6 Second magnetic stripe 10 Automatic transaction apparatus 40 Card processing unit 110-1, 110-2 Control unit 111-1, 111-2 Reading success / failure determination unit 112-1, 112-2 IC storage medium presence / absence determination unit 113-1, 113-2 Transaction processing unit

Claims (5)

A magnetic storage medium reading unit that reads information on presence / absence of an IC storage medium indicating whether the transaction medium has an IC storage medium from a magnetic storage medium included in the transaction medium used for the transaction;
A reading success / failure determination unit that determines whether the magnetic storage medium reading unit has read the IC storage medium presence / absence information;
An information acquisition unit that performs an information acquisition process of acquiring information from a storage medium other than the magnetic storage medium;
When it is determined that the magnetic storage medium reading unit does not read the IC storage medium presence / absence information, the transaction medium includes the IC storage medium based on a result of the information acquisition process by the information acquisition unit. An IC storage medium presence / absence determining unit for determining whether or not
An automatic transaction apparatus comprising: a transaction processing unit configured to perform the transaction based on information stored in the IC storage medium when it is determined that the transaction medium includes the IC storage medium. . The information acquisition unit reads the IC storage medium presence / absence information from another magnetic storage medium that the transaction medium has and is a storage medium other than the magnetic storage medium,
The IC storage medium presence / absence determination unit determines whether the transaction medium has the IC storage medium based on the IC storage medium presence / absence information read by the information acquisition unit. Item 1. An automatic transaction apparatus according to item 1. The information acquisition unit wirelessly transmits response request information to the IC storage medium that is a storage medium other than the magnetic storage medium, and receives response information wirelessly transmitted from the IC storage medium,
2. The automatic according to claim 1, wherein the IC storage medium presence / absence determination unit determines that the transaction medium has the IC storage medium when the signal transmission / reception unit receives the response signal. Trading device. A magnetic storage medium reading step of reading from the magnetic storage medium attached to the transaction medium used for the transaction, the IC storage medium presence / absence information indicating whether or not the transaction medium has an IC storage medium;
A read success / failure determination step of determining whether or not the IC storage medium presence / absence information has been read in the magnetic storage medium reading step;
An information acquisition step for performing an information acquisition process for acquiring information from a storage medium other than the magnetic storage medium;
If it is determined in the magnetic storage medium reading step that the IC storage medium presence / absence information has not been read, whether or not the transaction medium includes the IC storage medium based on the result of the information acquisition process. An IC storage medium presence / absence determining step for determining;
A transaction processing step of performing the transaction based on information stored in the IC storage medium when it is determined that the transaction medium has the IC storage medium. . On the computer,
A magnetic storage medium reading function for reading from the magnetic storage medium attached to the transaction medium used for the transaction, the IC storage medium presence / absence information indicating whether or not the transaction medium has an IC storage medium;
A read success / failure determination function for determining whether the magnetic storage medium reading function has read the IC storage medium presence / absence information;
An information acquisition function for performing an information acquisition process for acquiring information from a storage medium other than the magnetic storage medium;
When it is determined that the magnetic storage medium reading function is not reading the IC storage medium presence / absence information, the transaction medium includes the IC storage medium based on a result of the information acquisition process by the information acquisition function An IC storage medium presence / absence determination function for determining whether or not
And a transaction processing function for performing the transaction based on information stored in the IC storage medium when it is determined that the transaction medium includes the IC storage medium.

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