JP2012234578A - Automatic transaction device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To restore a magnetic stripe in the first place when the magnetic stripe on a transaction card is unreadable, and continue a transaction on the basis of information from a restored magnetic stripe.SOLUTION: An automatic transaction device 1 includes a card processing section 8 that receives and processes a transaction card 10 including a magnetic record section 101 in which information for performing a transaction is magnetically recorded, and an IC chip 102 in which information related to the transaction is recorded. When the card processing section 8 cannot read magnetic record information from the magnetic record section 101 of the transaction card 10, the automatic transaction device determines whether or not the transaction card includes the IC chip 102 in a substrate thereof, when the transaction card 10 includes the IC chip 102, reads the information inside the IC chip 102 and restores the magnetic record information based on the information inside the IC chip 102.

Description

  The present invention relates to an automatic transaction apparatus and an automatic transaction system used in a financial institution such as a bank, and particularly relates to a transaction using an IC cash card.

Automatic transaction devices (hereinafter referred to as ATMs) are widely used for account transactions due to the on-line financial institutions and the cooperation of financial institutions. In these transactions, a card that can specify an account, that is, a so-called cash card is used. This cash card is provided with a magnetic stripe, and if this magnetic stripe cannot be read, a transaction cannot be made.
When it is determined that the magnetic stripe of the cash card cannot be read in the ATM in response to such a problem, the user is asked whether or not to reproduce the magnetic stripe, and if the reproduction is selected, the user Each information (password, date of birth, telephone number) is input and the emboss image information of the cash card is acquired, and a reproduction request is transmitted to the host computer. When the host computer determines that the card is a true card from each input information and emboss information, the magnetic stripe information of the cash card is rewritten, and the cash card reproduced together with the statement slip is returned (for example, Patent Document 1).

Recently, a shift to an IC card (so-called IC cash card) provided with an IC (integrated circuit) chip capable of recording a large amount of information in a built-in memory is rapidly progressing. However, in order to make all ATMs and host computers compatible with IC cards, a large amount of investment and a certain period of time are required. Therefore, in order to interoperate between financial institutions, in addition to recording as magnetic information on a conventional magnetic stripe, it is recorded as electronic information on an IC chip so that any one of them can be used for transactions.
Even if such IC cards become widespread, transactions using magnetic stripes will be conducted until ATMs are fully developed. There is a technique of rewriting a magnetic stripe with the same data read from an IC chip when the magnetic stripe cannot be read (for example, Patent Document 2).
Japanese Patent Laying-Open No. 2005-316531 (paragraphs 0010 to 0013) Japanese Patent Laying-Open No. 2005-165916 (paragraphs 0011 and 0043)

There are differences in fees and transaction restrictions between transactions using IC cash cards and transactions using magnetic stripes. For example, when there is a withdrawal limit per transaction and the magnetic recording information cannot be read, it is not preferable to trade with the information in the IC chip. It should be clearly discriminated between transactions using magnetic stripes and IC chips. In the above-described technique, the magnetic stripe is rewritten by the data read from the IC chip. However, the transaction is based on the information in the IC chip and is not a transaction based on the magnetic stripe.
Furthermore, the emboss information (image) provided on the cash card is easily forged, and restoring it based on this emboss information also has a security problem.

A recent IC cash card stores a biometric information of a user for biometric authentication (for example, finger vein pattern information and iris pattern information), and thus an expiration date is set. However, in general, an expiration date is not set for the magnetic stripe information. Therefore, it is assumed that the user who has made the transaction using magnetic stripe information instead of the transaction using biometric information has expired when the user moves to the transaction using the information in the IC chip because the magnetic recording information cannot be read. In such a case, there is a possibility that trading cannot be performed.
The present invention has been made for such a problem. First, the information in the IC chip is used to restore the magnetic stripe, and the transaction can be continued based on the information from the restored magnetic stripe.

  The present invention for solving the above-described problems is to receive and process a transaction card including a magnetic recording unit in which information for performing a transaction is magnetically recorded, and an IC chip in which information associated with the transaction is recorded. Whether or not an IC chip is provided in the base of the transaction card when the card processing unit cannot read magnetic recording information from the magnetic recording unit of the transaction card If the transaction card is a card having an IC chip, the information in the IC chip is read, and the magnetic recording information is restored based on the information in the IC chip.

When the magnetic recording information for performing transactions from the magnetic stripe cannot be read, the information necessary for restoring the magnetic stripe is read from the IC chip in the card base, the magnetic recording information of the magnetic stripe is restored, and the restored magnetic recording Since the information is read again and the transaction is resumed, it can be handled as a transaction based on the magnetic stripe information. Therefore, there are no fees or transaction restrictions that are not desired by the user.
In addition, since the information used for restoration is not emboss information but information from the IC chip, it is not easily forged, so that security can be maintained.

  Embodiments of the present invention will be described below with reference to the drawings. FIG. 2 is an external view of the automatic transaction apparatus of the present invention, and FIG. 3 is a system diagram of the automatic transaction system of the present invention. 4 is a conceptual diagram of the card processing unit of the present invention, and FIG. 5 is a plan view of the IC cash card of the present invention.

In the figure, 1 is an automatic transaction apparatus (hereinafter referred to as ATM), and 2 is a host computer as a host apparatus possessed by a financial institution that maintains and manages ATM1. A storage device 3 stores deposit balance information corresponding to the account number for each user, and is managed and controlled by the host computer 2. The host computer 2 is connected to a host computer 5 owned by another financial institution via a network 4 managed and operated jointly. Reference numeral 6 denotes a storage device managed and controlled by the host computer 5, and stores account data files 6a including deposit balance information corresponding to account numbers for each user. Note that the storage device 3 also has the account data file 3a and the like as in the storage device 6, and can provide the same service to each other.
In these account data files 3a and 6a, information relating to the bank card issued and lent (eg, whether it is an IC card or not) is stored in correspondence with the account number of the user, including deposit and saving balance information and transaction history information. , Magnetic restoration frequency information, etc.).

  With the above configuration, when a user who has an account contract with a financial institution that maintains and manages the host computer 5 performs various transactions using the ATM 1 owned by the financial institution that maintains and manages the host computer 2, the ATM 1 Thus, an automatic transaction system that can be connected to the host computer 5 via the host computer 2 and the network 4 is constructed. In the figure, the number of host computers connected to the network 4 is two. However, the present invention is not limited to this.

  Next, ATM1 will be described. Reference numeral 7 denotes a passbook processing unit which performs printing processing on the passbook inserted from the passbook insertion / return port, and further includes means for reading and updating magnetic recording information, means for detecting a printed page line, page break means, and the like. Yes. Reference numeral 8 denotes a card processing unit, which is a processing unit for a transaction card (hereinafter referred to as an IC cash card, which will be described in detail later) 10 inserted in the direction of arrow A from a card insertion return port 8a connected to the front side.

  The IC cash card 10 is issued by a financial institution, and has a storage unit in which user information such as an identification code for each financial institution, a user account number, and a name is stored. Financial institutions that are members of this automated transaction system under the financial network environment are created with specifications that are physical, electrical, and transmission control protocols unified, and account identification information is stored in accordance with a predetermined unified format. Yes. The card processing unit 8 reads this account identification information.

  A statement slip processing unit 9 prints transaction date, amount, balance, and the like, and performs a transaction statement slip issuing process issued to the user. The issuance route of the transaction statement slip is connected to the statement slip conveyance path in the vicinity of the card insertion return port 8a of the card processing unit 8, and the transaction statement slip is issued from the vicinity of the card insertion return port 8a in conjunction with the return of the IC cash card 10. To be controlled.

  The IC cash card 10 has a magnetic stripe 101 as shown in FIG. 5, and an identification code and an account number for each financial institution are recorded as magnetized information. Reference numeral 102 denotes an IC chip, and at least user information that is the same as or associated with the magnetized information is stored as electronic information in the integrated circuit. Since the IC chip 102 constitutes an electrical contact portion on the surface, the IC chip 102 has a color difference from the card base portion of the IC cash card 10. Reference numeral 103 denotes an emboss area, which is an area where the account information (number) of the user is formed with convex characters. A surface image reading area 104 includes at least a range where the IC chip 102 and the embossed area 103 are provided.

Reference numeral 11 denotes a banknote depositing / withdrawing unit, which authenticates and counts banknotes deposited by a user, conveys them and stores them in a denomination cassette, or pays out banknotes paid to a user from the denomination cassette. Is. A coin deposit / withdrawal unit 12 authenticates and counts the coins deposited by the user, transports them and stores them in a denomination cassette, or pays out coins paid to the user from the denomination cassette. .
The banknote deposit / withdrawal unit 11 and the coin deposit / withdrawal unit 12 are combined with a customer service entrance for a user to insert bills and coins (hereinafter referred to as “money” together) or pay money to a customer. Yes. In addition, the shutter which can be opened and closed is provided in the customer service port, and the insertion and removal of money is regulated.

  13 is a customer service section, which is a touch panel for displaying a transaction induction screen for inputting a transaction by a user or inputting an operation, and a transaction selection screen at the start of the transaction, for example, “payment” which is a transaction item, Transactions can be selected by displaying "Deposit" or "Passbook entry" and lightly touching the display.

Reference numeral 14 denotes an approach detector that detects that the user has approached ATM 1 using ultrasonic waves or the like. Reference numeral 15 denotes a storage unit configured by a ROM (Read Only Memory), a RAM (Random Access Memory), a hard disk, or the like in which programs for performing various controls are stored.
Reference numeral 16 denotes an interface unit (IF unit) for connecting to the host computer 2 which is a host device. Reference numeral 17 denotes a control unit that controls the above-described units, and reference numeral 18 denotes a power supply unit that supplies power to the above-described units.
Reference numeral 19 denotes a video acquisition unit capable of capturing a user, and is a part having a camera 19a for collecting a face image and iris information from the video of the user's upper body. Furthermore, there are a user guidance section for performing operation guidance by voice and visual display, and a subject display that can be traded by a plasma display disposed on the front side of the ATM 1 and a part for displaying various information, but the description is omitted. .

Next, the card processing unit will be described.
FIG. 4 is a conceptual diagram of the card processing unit, which is provided next to the bankbook processing unit 7 above the banknote depositing / withdrawing unit 11. An insertion detection sensor 81 is provided following the card insertion / return port 8a, and the IC cash card 10 to be inserted can be detected. A magnetic information processing unit 82 has a magnetic head 82a and reads magnetic recording information from a magnetic stripe 101 provided on the IC cash card 10 to be inserted.

An emboss reading unit 83 optically reads convex characters such as a customer name and account number from the surface image reading area 104 of the IC cash card 10 and records the transaction record on a transaction statement slip (not shown) issued by the statement slip processing unit 9. This is a part for obtaining information for printing. Furthermore, in the present invention, the entire area of the IC cash card 10 up to the area where the IC chip 102 is provided can be read.
The layout and recording format of the IC chip 102, the magnetic stripe 101, and the embossed area (convex portion) 103 in the card base material are determined and configured according to industry standard specifications.

  An IC reading unit 84 has an IC contact 84a that can correspond to the IC chip (terminal unit) 102 on the surface of the IC cash card 10, and is conveyed along the card conveyance path 85 by descending in the direction of arrow B. In addition, the IC cash card 10 of the IC cash card 10 can be pressed and electrically connected. In the card transport path 85, the IC cash card 10 is transported by rotating the transport roller 85a by a driving means (not shown). In addition to the insertion detection sensor 81 for detecting the presence or absence of the IC cash card 10 to be inserted, various sensors for monitoring the conveyance status are arranged in the card conveyance path 85, but they are omitted in the drawing. Reference numeral 86 denotes a forgetting storage for taking in the IC cash card 10 to be discharged to the card insertion / return port 8a and storing it in the direction of arrow C when the user forgets to take it.

The operation will be described according to the operation flowchart in the automatic transaction apparatus (ATM) of the present invention shown in FIG. The IC cash card used is from the same financial institution as the ATM of the financial institution that is issuing and managing the card (assumed to be the own bank ATM). If it is (sometimes referred to as a self-running card), it is assumed that the magnetic stripe is automatically restored based on information stored in the IC chip.
In addition, the transaction item is “withdrawal transaction”, and in the description of this operation flowchart, the account of the user is determined from the information in the IC cash card, and the input operation of the password or withdrawal amount is omitted. S represents a step of each operation.

  When the user approaches the ATM 1 and enters the predetermined operation range, the approach detector 14 detects this and switches the screen display of the customer service unit 13 from the standby state to the transaction selection screen display. When the “Drawer” key in the transaction selection screen display is pressed by the user, the control unit 17 displays “Please insert a card” in the customer service unit 13 and sends an activation command to the card processing unit 9. To do. Even when the IC cash card 10 is first inserted and the insertion detection sensor 81 detects the insertion without pressing the “drawer” key, the process proceeds to the next step S1.

S1: When the IC cash card 10 is inserted and this is detected by the insertion detection sensor 81, the control unit 17 controls the entire card processing unit 8 and conveys the IC cash card 10 to the magnetic information processing unit 82. Subsequently, the magnetic stripe 82 is read by the magnetic head 82a.
S2: Here, when the identification code or account number for each financial institution as the magnetic recording information is read from the magnetic stripe 101, the password input operation is guided. In this reading process, for example, if a part of the magnetic stripe 101 is demagnetized, a part of the magnetic recording information cannot be read, and the financial institution code and the account number of the user cannot be read. In this case, re-reading is performed by executing a predetermined number of retry operations, but as a result, it cannot be read again.
Further, when the control unit 17 cannot detect a part of the magnetic recording information from the magnetic head 82a, that is, when there is no read data, there is a possibility that the card is inserted in the wrong direction or other cards are inserted. The card is discharged and a display as shown in FIG.

S3: Subsequently, as shown in FIG. 6B, the control unit 17 notifies the user that the magnetic recording information is to be restored, and controls the emboss reading unit 83 to set the surface image reading area 104 to the emboss reader. Read by 83a. This reading is preferably performed so that the entire area can be read at one time, but the card processing unit 8 of the present embodiment divides it into two blocks from the arrangement interval of the conveying rollers 85a.
S4: The control unit 17 synthesizes the read two blocks of images and performs image analysis.
For example, character recognition such as a bank number or account number existing in the embossed area 103 is performed, and further, whether or not pixel information recognized as the IC chip exists in a position where the IC chip 102 exists in the card base is analyzed. Then, pattern matching with predetermined IC chip image information is performed.

S5: As a result of pattern matching with the IC chip image information, when the control unit 17 determines that “IC chip is present”, it is determined that the inserted card is “IC cash card”. Further, when the determination of “no IC chip” is made, the subsequent processing differs depending on the result of character recognition such as a bank number or account number existing in the embossed area 103 (details will be described later).
In step S4, when there is no emboss area 103 and no IC chip, there is a possibility that the card is not an IC cash card, and the card is discharged from the card insertion / return port 8a. Also at this time, guidance as shown in FIG.

  S6: If it is determined that the card is an IC cash card, the control unit 17 then operates the IC reading unit 84. First, the IC cash card 10 is conveyed to the IC reading unit 84, and after the stop, the IC contact 84a is brought into pressure contact with the IC chip 102, and information stored in the IC chip 102 by the predetermined transmission control (specifically, financial information). (Institution code, account number) is read and stored in the storage unit 15. When the storage in the storage unit 15 is completed, the IC contact 84a is retracted from the IC chip 102 (counter arrow B direction).

S7: The control unit 17 determines from the information (financial institution code) stored in the IC chip 102 whether the IC cash card 10 is issued or managed. Here, if the card is an issuance / management source card, the process proceeds as “own bank card”. If the IC cash card 10 is not the issue / management source card, the process proceeds as “other bank card”.
S8: The conveyance roller 85a is rotated to convey the IC cash card 10 to the magnetic information processing unit 82, and magnetic recording information to be recorded on the magnetic stripe 101 is generated based on the information obtained from the IC chip 102.

S9: Magnetic recording information is recorded on the magnetic stripe 101 by the magnetic head 82a on the IC cash card 10 conveyed to the magnetic information processing unit 82. In some cases, magnetic recording information that could not be read still remains in the magnetic stripe 101, but overwriting restores the magnetic recording information.
At this time, the “restore” display surrounded by the arrow frame shown in FIG. 6B is switched to the thick frame display.
When the restoration of the magnetic recording information for restoration is completed, it is determined whether the restoration is possible by performing the reading operation again. At this time, the subsequent read defect rate is reduced by checking whether the read level threshold value output by the magnetic head 82a in a normal state is stricter.

S10: When the control unit 17 reads the magnetic recording information from the magnetic stripe 101 to the IC cash card 10 waiting in the magnetic information processing unit 82 by the magnetic head 82a and successfully reads the information from the magnetic stripe 101. , Prompt you to enter your PIN.
Since the subsequent input of the personal identification number and the input of the withdrawal amount are the same as the conventional processing, the description thereof will be omitted, but the control unit 17 stores in the storage unit 15 that the magnetic recording information restoration processing has been completed. The host computer 2 is notified together with the account number information. The host computer 2 records “card magnetic restoration” in the customer information in the account data file 3 a stored in the storage device 3.

S11: In step S7, when the IC cash card 10 is not issued or managed, the processing is started as “another card”.
First, the control unit 17 notifies the host computer 2 through the IF unit 16 that it is an “other bank card”. Specifically, (1) magnetic reading failure, (2) transaction may be executed based on information from the IC chip, or (3) magnetic recording information may be restored. It will be notified with the financial institution code information.
The host computer 2 that has received these pieces of information sends the financial institution code information to the host computer of the financial institution (here, for convenience of explanation, the host computer 5) together with the account number information and the like (1) to (3 ). It should be noted that when the magnetic recording information is poorly read in advance from another financial institution, the transaction by the IC chip 102, the case where the restoration of the magnetic recording information is permitted based on the information, or the designation that the restoration is not permitted is made. In some cases, the host computer 5 is not inquired.

  S12: When a restoration permission signal for magnetic recording information is returned from the host computer 5 to the ATM 1 via the host computer 2, the control unit 17 proceeds to the process of step S8 described above. When a signal indicating that the restoration of the magnetic recording information is not permitted is received, it is asked whether or not the transaction based on the information from the IC chip 102 is permitted. It should be noted that permission / non-permission of whether (2) the transaction may be executed based on the information from the IC chip described above or (3) the magnetic information may be restored can be completed by one communication. It goes without saying that it is good.

  S13: When the host computer 2 permits the transaction based on the information from the IC chip 102 from the host computer 5, the transaction is performed based on the information read in the previous step S6 and stored in the storage unit 15. It will be. The IC chip 102 records the fact that the magnetic recording information has been restored and the transaction based on the information in the IC chip 102 before the transaction ends.

S14: When it is determined in step S5 that the inserted card is not an IC cash card, the host computer 5 of the corresponding financial institution is determined by the character recognition result such as the financial institution code and the account number existing in the embossed area 103. The emboss area information is transmitted to inquire whether the magnetic recording information can be restored. The host computer 5 determines whether or not the magnetic recording information can be restored in accordance with a predetermined standard, and returns it to the host computer 2.
In addition, since there is a security problem only with the emboss information, further confirmation may be performed by using both identification number input and biometric authentication.

  S 15: The control unit 17 receives the magnetic recording information to be restored from the host computer 5 together with the restoration permission notification of the magnetic recording information, and temporarily stores it in the storage unit 15. Further, the host computer 5 that has determined that the restoration of magnetic recording information is not permitted transmits guidance information to the host computer 2 so as to go to the bank (card issuer) window. For example, it is assumed that image information such as a map, a route, etc. for guiding the location information where ATM1 is installed and the nearest store from the store.

S16: Since the restoration of the magnetic stripe is not permitted, the control unit 17 conveys the card to the card insertion return port 8a and returns it to the user. At this time, the information received from the host computer 5 is displayed on the customer service unit 13 as a store guidance screen 134 as shown in FIG. In the store guide screen 134, image data related to the map information 135 is prepared on the host computer 5 side and transmitted to the ATM 1 via the host computer 2.
When the above processing is completed, the control unit 17 deletes information such as an account number stored in the storage unit 15.

Next, FIGS. 6A to 6C will be briefly described.
FIG. 6 is an explanatory view showing an example of the operation screen of the present invention, and FIG. 6A is an example screen 131 displayed on the customer service section 13 when the transaction cannot be advanced by the inserted card, and the insertion of the card. It guides the user to confirm the direction. FIG. 6B shows a screen example 132 that clearly shows the magnetic stripe restoration processing step according to the processing stage. As the processing proceeds as shown in the figure, the highlight frame shifts to the right side. Reference numeral 133 denotes a cancel button, which is pressed at the user's discretion, cancels the ongoing processing, and shifts to a guide screen (not shown). FIG. 6C shows an example screen 134 for guiding from the installation location of the ATM where the transaction is currently made to the financial institution handling the processing of the card (for example, restoration at the window), and a map display 135 is provided. Reference numeral 136 denotes a confirmation button. When this button is pressed, the screen returns to the initial screen.
In addition, although this map information demonstrated that it received from the financial institution on the card issue / management side, you may hold | maintain in the memory | storage part 15 in ATM.

  As described above, the present invention detects the presence / absence of an IC chip in the card base when the magnetic recording information for performing a transaction from the magnetic stripe cannot be read, and determines that the IC chip is present. The information necessary for restoring the magnetic stripe is read out from the magnetic stripe to restore the magnetic recording information of the magnetic stripe. Since the restored magnetic recording information is read again and the transaction is resumed, there is no inconvenience for the user to receive the IC cash card and perform the transaction again.

In the above description, it is determined from the image analysis by the emboss reading unit whether or not the IC chip is present in the card base material, but the present invention is not limited to this. For example, a metal detection sensor may be arranged in the card processing unit, and determination may be made based on a detection signal from the metal detection sensor.
Furthermore, in the case of a non-contact type IC cash card that has begun to be frequently used recently, the IC reading unit is used as a non-contact type IC reading combined type, and is conveyed to the non-contact type IC reading unit when a magnetic reading failure occurs. Information may be read.

It is an operation | movement flowchart of this invention. It is an external view of the automatic transaction apparatus of this invention. It is a system configuration | structure figure of the automatic transaction system of this invention. It is a conceptual diagram of the card | curd process part of this invention. It is a top view of the IC cash card of the present invention. It is explanatory drawing which shows the example of an operation screen of this invention.

1 Automatic transaction equipment (ATM)
2 Host computer (host device)
3 Storage Device 8 Card Processing Unit 8a Card Insertion Return Port 13 Customer Service Unit 14 Approach Detector 82 Magnetic Information Processing Unit 83 Emboss Reading Unit 84 IC Reading Unit 85 Transport Path 10 IC Cash Card (Transaction Card)
101 Magnetic stripe 102 IC chip 104 Surface image reading area

Claims (7)

An automatic transaction apparatus having a card processing unit that receives and processes a transaction card including a magnetic recording unit in which information for performing a transaction is magnetically recorded and an IC chip in which information associated with the transaction is recorded. And
When the card processing unit cannot read magnetic recording information from the magnetic recording unit of the transaction card, determine whether or not an IC chip is provided in the base of the transaction card;
When the transaction card is a card equipped with an IC chip, an automatic transaction comprising a control unit that reads information in the IC chip and restores the magnetic recording information based on the information in the IC chip apparatus. The card processing unit includes card image reading means for acquiring a surface image of a transaction card,
When magnetic record information cannot be read from the transaction card, it is determined whether or not an IC chip is provided in the base of the transaction card based on the surface image of the transaction card read by the card image reading means. Item 1. An automatic transaction apparatus according to item 1. The card processing unit includes metal detection means for detecting a metal part of the transaction card,
2. The automatic transaction apparatus according to claim 1, wherein when the magnetic recording information cannot be read from the transaction card, it is determined by the metal detection means whether an IC chip is provided in a base of the transaction card. The automatic control according to any one of claims 1 to 3, wherein when the transaction card is a bank card, the control unit automatically restores the magnetic recording information based on information read from an IC chip of the transaction card. Trading device. When the magnetic recording information cannot be read from the transaction card part,
The automatic transaction device according to claim 1, wherein the control unit displays to the operator that the magnetic recording information is to be restored. The automatic transaction apparatus according to claim 1, wherein when the control unit determines that an IC chip is not provided in a base of the transaction card, the transaction card is returned. 7. The automatic transaction apparatus according to claim 1, wherein when the magnetic recording information cannot be read at all, the accepted transaction card is returned to guide re-operation.

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