JP2013047901A - Transaction device and control program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a transaction device which can easily perform data restoration processing of a storage medium, when accepting the storage medium which comprises a plurality of data storage parts and performing processing.SOLUTION: A transaction device comprises a storage medium processing part which can accept a storage medium including a first data storage part in which at least transaction information and control information are stored and a second data storage part in which at least transaction information is stored, and can perform processing. The transaction device comprises means to confirm whether or not the storage medium accepted by the storage medium processing part includes the second data storage part, and means to perform data restoration of at least the control information to the first data storage part of the storage medium if it is confirmed that the storage medium accepted by the storage medium processing part includes the second data storage part.

Description

  The present invention relates to a transaction apparatus and a control program, and can be applied to, for example, an ATM (Automatic Teller Machine) installed in a financial institution or a convenience store.

  Conventionally, some cash cards used in ATM transactions include a plurality of data recording media. For example, conventionally, there is a cash card (hereinafter referred to as “IC cash card”) to which an IC chip is attached in addition to a magnetic stripe (hereinafter also referred to as “MS”).

In a conventional IC cash card, control information data (hereinafter also referred to as “validity code”) for determining whether or not an IC chip is attached to the cash card is recorded in a magnetic stripe. Even in the case where an IC cash card is inserted in the conventional ATM, the ATM first reads the data of the magnetic stripe and determines the presence or absence of the IC chip of the cash card from the validity code.

  For this reason, if an IC cash card becomes unreadable by an ATM due to a magnetic stripe defect (for example, magnetic loss or damage), even if the IC chip is normal, transactions using the IC cash card can be made. It will no longer be possible, and procedures such as reissuing IC cash cards will be required at financial institutions.

  As a conventional technique for dealing with such a problem, there is a technique described in Patent Document 1. In the ATM described in Patent Document 1, when the data of the magnetic stripe cannot be read with the IC cash card taken in, the IC chip information is transmitted to the host system (host computer), and the magnetic system of the IC cash card is transmitted from the host system. Data to be recorded in the stripe is received, the received data is written into the magnetic stripe of the IC cash card, and the magnetic stripe data is restored.

JP 2009-80544 A

  However, in the technique described in Patent Document 1, it is necessary to operate the ATM in cooperation with the host system. Therefore, when introducing a new system, it is necessary to modify not only the ATM side but also the host system side.

  In view of the above-described problems, a transaction apparatus and a control capable of easily performing data restoration processing of a recording medium when receiving and processing a recording medium (for example, an IC cash card) including a plurality of data recording units. A program is desired.

  The first aspect of the present invention includes a first data recording unit and a second data recording unit, and the first data recording unit includes at least transaction information for performing a transaction and the recording medium with the first data recording unit. Control information indicating that two data recording units are provided is recorded, and the second data recording unit includes at least transaction information representing the same content as the transaction information of the first data recording unit. In a transaction apparatus including a recording medium processing unit capable of receiving and processing a recorded recording medium, (1) whether the recording medium received by the recording medium processing unit includes a second data recording unit A confirmation means for confirming whether or not (2) the confirmation means confirms that the recording medium received by the recording medium processing section is provided with the second data recording section; 1 data recording part In contrast, characterized in that it comprises a data recovery processing means for performing data restoration processing at least control information.

  A control program according to a second aspect of the present invention includes (1) a first data recording unit and a second data recording unit, and the first data recording unit includes at least transaction information for performing a transaction. Control information indicating that the second data recording unit is provided on the recording medium is recorded, and the second data recording unit has at least the same transaction information as the first data recording unit. A computer installed in a transaction apparatus including a recording medium processing unit capable of receiving and processing a recording medium in which transaction information representing the contents is recorded is (2) a recording medium received by the recording medium processing unit. Confirmation means for confirming whether or not the second data recording section is provided; and (3) the recording medium received by the recording medium processing section is provided with the second data recording section by the confirmation means. Confirmed If, with respect to the first data recording unit of the recording medium, characterized in that to function as a data restoration processing means for performing data restoration processing at least control information.

  ADVANTAGE OF THE INVENTION According to this invention, when receiving and processing a recording medium provided with a some data recording part, the transaction apparatus which can perform the data restoration process of a recording medium easily can be provided.

It is the flowchart shown about operation | movement of ATM of 1st Embodiment. It is the block diagram shown about the functional structure of ATM of 1st Embodiment. It is explanatory drawing shown about the structural example of the cash card used by ATM of 1st Embodiment. It is explanatory drawing shown about the example of the content of the screen displayed when returning a cash card in ATM of 1st Embodiment. It is the flowchart shown about operation | movement when the cash card is inserted by ATM of 2nd Embodiment. It is the flowchart shown about operation | movement in case the validity code decompression | restoration process is performed by ATM of 2nd Embodiment.

(A) 1st Embodiment Hereinafter, 1st Embodiment of the transaction apparatus and control program by this invention is described in full detail, referring drawings. In addition, the transaction apparatus of 1st Embodiment is ATM.

(A-1) Configuration of the First Embodiment FIG. 2 is a block diagram showing a functional configuration of the ATM 10 of this embodiment. Moreover, the code | symbol in the parenthesis of FIG. 2 is a code | symbol used only in 2nd Embodiment mentioned later.

  The ATM 10 is, for example, a transaction apparatus installed in a store or convenience store of a financial institution, and is used by a user who performs transaction processing (hereinafter referred to as “customer”) or a host system (host computer) (not shown). Transaction processing (for example, transfer processing, deposit (deposit) processing, etc.) related to the customer's account is performed by information processing (for example, transaction processing) involving communication. The ATM 10 can accept a cash card inserted from the customer and perform transaction processing using the data written in the data recording unit of the cash card when dealing with the customer.

  FIG. 3 is a block diagram showing a configuration of a cash card (IC cash card 20 and IC-less cash card 30) inserted into the ATM 10. As shown in FIG.

  In the ATM 10, only the magnetic stripe 301 and the IC stripe 202 shown in FIG. 3A are attached, or only the magnetic stripe 301 shown in FIG. Assume that any cash card 30 without an IC chip (without an IC chip) is inserted by a customer. Since the IC cash card 20 and the IC-less cash card 30 are the same as those used in the existing ATM, detailed description thereof is omitted.

  The ATM 10 includes a control unit 101, a data storage unit 102, a card processing unit 103, an operation display unit 104, a printer 105, a passbook processing unit 106, a cash processing unit 107, and a communication unit 108. Note that the hardware configuration of the ATM 10 of the first embodiment can be the same as that of an existing ATM. Moreover, in ATM10, the structure of the interface (for example, the printer 105, the passbook processing part 106, the cash processing part 107) with customers other than the operation display part 104 and the card processing part 103 is not limited, and existing ATM Various configurations can be applied.

  The control unit 101 has a function of controlling the operation of each unit in the ATM 1. The data storage unit 102 is a data storage unit that stores various types of information necessary for the control unit 101 to perform information processing, and can be configured by various memories, for example.

  The control unit 101 can be realized, for example, by installing the control program of the embodiment in the implementation configuration of the program including a processor or the like. For example, the control program may be stored in the data storage unit 102 and read and executed by the control unit 101 when the ATM 1 is activated.

  The communication unit 108 is a network interface for connecting to the above-described host system (host computer) (not shown). Note that the communication unit 108 can be the same as the existing ATM or the like, and thus detailed description thereof is omitted.

  The transaction processing unit 11 performs information processing for performing transaction processing with a customer, and controls each component in the ATM 10 in accordance with the transaction processing. In addition, since the content of the transaction processing (for example, transaction processing, such as transfer and depositing) performed by the transaction processing unit 11 can be the same as that of the existing ATM or the like, detailed description is omitted.

  The operation display unit 104 functions as an interface with a user who uses the ATM 1. The type of device used for the interface with the user in the operation display unit 104 is not limited, but here, a device such as a touch panel screen using a display (for example, a liquid crystal display) is used. The operation display unit 104 can be the same as an existing ATM or the like, and will not be described in detail. Further, the operation display unit 104 of this embodiment will be described on the assumption that the operation display from the customer, the display of information to the customer, and the operation from the customer are received using the touch panel screen.

  The printer 105 prints and outputs a statement or the like on which transaction details are printed. Note that since the printer 105 itself can be the same as the existing ATM or the like, detailed description thereof is omitted.

  The passbook processing unit 106 has a function of accepting a passbook inserted from a customer and performing a process related to the passbook, such as printing contents according to transaction details with the customer in the ATM 10. As the passbook processing unit 106, the same one as the existing ATM or the like can be applied, and thus detailed description thereof is omitted.

  The cash processing unit 107 has a function of accepting and storing cash (banknotes and / or coins) received from a customer and a function of withdrawing the stored cash to the customer. In addition, the cash processing part 107 can apply the same thing as the existing ATM etc.

  The card processing unit 103 can read and write data with respect to the magnetic stripe 201 (or magnetic stripe 301) attached to the IC cash card 20 (or the IC-less cash card 30) according to the control of the control unit 101. It is assumed that it is configured. Further, it is assumed that the card processing unit 103 is configured to be able to read at least data with respect to the IC chip 202 attached to the IC cash card 20. In the card processing unit 103, a configuration for performing data processing (reading and writing) on a magnetic stripe and an IC chip can be applied to a configuration similar to that of a card reader / writer provided in an existing ATM or the like. Since it can, detailed description is omitted.

  In this embodiment, the magnetic stripe 201 (magnetic stripe 301) attached to the IC cash card 20 (IC-less cash card 30) contains information necessary for transactions (at least the financial institution of the financial institution that issued the cash card). Number, an account number related to the cash card), and a validity code (control information indicating the presence or absence of an IC chip of the cash card) are recorded.

  That is, the validity code recorded in the magnetic stripe 201 of the IC cash card 20 to which the IC chip 202 is attached has the content indicating “IC chip present”. On the other hand, the validity code recorded in the magnetic stripe 301 of the cash card 30 without IC with no IC chip attached is the content indicating “no IC chip”. The magnetic stripe 301 of the IC-less cash card 30 may be configured to indicate “no IC chip” by not recording the validity code itself, but in this embodiment, as described above, It is assumed that a validity code having a content indicating “no IC chip” is recorded. As the recording format and contents of specific data such as the validity code recorded in the magnetic stripe 201 or the magnetic stripe 301, the same recording format and contents as those of an existing cash card can be applied, and detailed description thereof will be omitted.

(A-2) Operation of the First Embodiment Next, the operation of the ATM 10 of the first embodiment having the above configuration will be described.

  Here, the operation of the ATM 10 (control unit 101) when a cash card (IC cash card 20 or IC-less cash card 30) is inserted from a customer will be described with reference to FIG.

  First, it is assumed that the customer has inserted a cash card (IC cash card 20 or IC-less cash card 30) into the card processing unit 103 (S101).

  In addition, in ATM10 of this embodiment, insertion of a cash card is first received from a customer, and selection operation of which transaction processing is performed after that is received (for example, a transaction selection menu is displayed on the touch panel of the operation display unit 104). Will be selected). Moreover, in ATM10, the timing which receives insertion of a cash card | curd is not limited, For example, after accepting selection operation of which transaction processing is performed, you may make it accept insertion of a cash card | curd.

  Then, the card processing unit 103 reads the data of the magnetic stripe of the inserted cash card under the control of the control unit 101 (S102).

  Then, the control unit 101 confirms the data reading result of the magnetic stripe by the card processing unit 103, and the subsequent processing is determined according to the confirmation result (S103). In step S103, if the data reading of the magnetic stripe is successful (in the case of reading OK), the control unit 101 operates from the processing in step S104 described later, and if the data reading of the magnetic stripe fails (in the case of reading NG). In the case), the operation starts from step S107 described later.

  In the control unit 101, a method for determining whether the data reading result of the magnetic stripe is successful (whether the magnetic stripe is normal) is not limited. For example, when error detection processing (for example, detection using error detection or error correction code) is performed on the magnetic stripe data read by the card processing unit 103 and no error is detected, the control unit 101 sets the magnetic stripe data It may be determined that the data reading of the stripe is successful. On the other hand, when it is determined that an error has been detected in the error detection process and normal data could not be read, or when the card processing unit 103 cannot read data from the magnetic stripe itself, the control unit 101 can It may be determined that the data reading of the stripe has failed.

  When the magnetic stripe data has been successfully read in the above-described step S103 (in the case of reading OK), the control unit 101 refers to the validity code included in the read magnetic stripe data and reads “IC It is confirmed whether the content indicates “with chip” or “without IC chip” (S104). Then, when it is confirmed that the content of the referred validity code indicates “IC chip present”, the control unit 101 operates from step S105 described later. When it is confirmed that the content of the referred validity code indicates “no IC chip”, the control unit 101 operates from step S106 described later.

  When it is confirmed in step S104 described above that the content of the referred validity code indicates “IC chip present” (that is, when the inserted cash card is the IC cash card 20), the control unit 101 Reads the data of the IC chip 202 via the card processing unit 103, and starts transaction processing using the data of the card processing unit 103 with the customer (S105).

  On the other hand, when it is confirmed in the above-described step S104 that the content of the referenced validity code indicates “no IC chip” (that is, when the inserted cash card is the IC-less cash card 30), Transaction processing using the data of the magnetic stripe 301 read by the card processing unit 103 is started with the customer (S106).

  On the other hand, when the data reading of the magnetic stripe fails in the above-described step S103 (in the case of reading NG), the control unit 101 uses the IC cash card 20 to which the IC chip is temporarily attached as the inserted cash card. Assuming that there is, it tries to read the data of the IC chip through the card processing unit 103 (S107).

  In step S103 described above, the failure to read the data on the magnetic stripe of the inserted cash card means that the validity code recorded on the magnetic stripe of the cash card cannot be read. Then, it cannot be determined whether an IC chip is attached to the cash card based on the validity code. Therefore, as described above, the control unit 101 considers that the cash card is the IC cash card 20 to which the IC chip is attached, and contacts the IC chip (reads data via the card processing unit 103). It is determined whether or not an IC chip is attached to the cash card.

  Then, the control unit 101 determines whether or not an IC chip is attached to the inserted cash card according to the data read result in step S107 (S108). If it is determined in step S108 that an IC chip is attached to the inserted cash card, the control unit 101 operates from step S109 described later, and the IC chip is inserted into the inserted cash card. When it is determined that the is not attached, the control unit 101 operates from step S111 described later.

  When it is determined in step S108 described above that an IC chip is attached to the inserted cash card (that is, when the inserted cash card is the IC cash card 20), the control unit 101 Then, at least the validity code among the data on the magnetic stripe 201 of the IC cash card 20 is restored (written) so that it can be read by ATM (not limited to ATM to which the present invention is applied) (S109). .

  In step S109, the content of the data written to the magnetic stripe 201 of the IC cash card 20 may be any content that can be read by other ATMs at least for the validity code. For example, the control unit 101 may input dummy data (for example, dummy data of all 0s for an account number or the like) other than the validity code among the data of the magnetic stripe 201.

  Then, when the customer inserts the IC cash card 20 into another ATM corresponding to the IC chip (ATM to which the present invention is not applied), the customer can make a transaction based on the contents of the IC chip 202. However, if it is inserted into another ATM that does not correspond to the IC chip (ATM to which the present invention is not applied), the transaction cannot be performed. Therefore, when the control unit 101 restores the contents (validity data) of the magnetic stripe 201 of the IC cash card 20, a screen as shown in FIG. 4 is displayed on the touch panel screen of the operation display unit 104. An alarm may be issued to notify the customer that at least the magnetic stripe data is defective. In ATM10, for example, as shown in Fig. 4, ATM10 (control unit 101) says, "The magnetic stripe on the card is damaged. Please contact us as soon as possible. An alarm may be issued by outputting to the customer a message that “a transaction cannot be made with an unsupported ATM”. As a result, the customer can be alerted by notifying the customer that the magnetic stripe data is defective and that ATM is not compatible with the IC chip. As a result, the customer can bring the cash card to the counter and receive services such as restoration of magnetic stripe data and issuance of a new cash card. Note that the means for issuing the above-described alarm in the ATM 10 is not limited. For example, a voice message having the same content as the above-described message may be output from a speaker (not shown).

  If the validity code restoration process fails in step S109 described above, the control unit 101 may move to step S111 described later. For example, when the portion of the magnetic stripe 201 of the IC cash card 20 is damaged (for example, when it is damaged or cracked), data is normally written to the magnetic stripe 201. Therefore, the above processing is necessary.

  Further, in FIG. 1, the ATM 10 (control unit 101) performs the validity code restoration process at the timing before the completion of the transaction process with the customer (timing in step S109 described above). The timing for performing the process is not limited. For example, the ATM 10 (control unit 101) may perform the validity code restoration process after the transaction process with the customer is completed and before the IC cash card 20 is returned.

  On the other hand, if it is determined in step S108 that an IC chip is not attached to the inserted cash card, the control unit 101 controls the card processing unit 103 to return the inserted cash card ( The transaction process is stopped (S111). In this case, the cash card inserted into the card processing unit 103 is an IC-less cash card 30 in which the data in the magnetic stripe 301 is defective, or an IC in which both the magnetic stripe 201 and the IC chip 202 are defective. It becomes one of the cash cards 20. Therefore, in the control unit 101, since there is no means for obtaining data necessary for the transaction from the cash card, the transaction must be stopped. Even in the case of step S108, as in the above-described step S107, a screen display for notifying the customer that the magnetic stripe data is defective may be performed.

(A-3) Effects of First Embodiment According to the first embodiment, the following effects can be achieved.

(A-3-1) In ATM10, if it is IC cash card 20, even if the data of magnetic stripe 201 are defective, the data of IC chip 202 can be read and a transaction can be performed.

(A-3-2) In the ATM 10, in the case of the IC cash card 20, even if the data in the magnetic stripe 201 is bad, the validity code is temporarily restored, so that the other ATM ( (It is not limited to the ATM of the present invention).

(A-3-3) In the ATM 10, since the validity data is temporarily restored to the magnetic stripe 201 of the IC cash card 20, the data of the magnetic stripe as in the prior art of Patent Document 1. In order to restore data, it is not necessary to receive data from a host system (such as a host computer). Therefore, in ATM10, the validity code restoration process can be easily realized only by modification on the ATM10 side without modifying the host system.

(B) Second Embodiment Hereinafter, a second embodiment of the transaction apparatus and the control program according to the present invention will be described in detail with reference to the drawings. In addition, the transaction apparatus of 1st Embodiment is ATM.

(B-1) Configuration of Second Embodiment An ATM 10A of the second embodiment can also be shown using FIG. Hereinafter, differences of the second embodiment from the first embodiment will be described.

  The ATM 10A of the second embodiment is different from the first embodiment in that the control unit 101 is replaced with the control unit 101A.

  In the control unit 101 of the first embodiment, as shown in FIG. 1 described above, when the magnetic stripe 201 of the IC cash card 20 is defective in the course of transaction processing with a customer, at least the validity code. Restoration processing (hereinafter referred to as “data restoration processing mode”) that can be normally read by another ATM is performed. On the other hand, in the second embodiment, the validity code restoration process is not performed in the course of the transaction process with the customer, and the ATM 10A (control unit 101A) is in an operation mode in which the validity code restoration process can be executed. Shall be executed when.

  For example, when the ATM 10A is installed in a bank store, the ATM 10A (control unit 101A) is operated in an operation mode in which the validity code restoration process can be executed only by a specific person such as a bank clerk of the store. It is desirable to configure as follows. Hereinafter, an operation mode in which the validity code restoration process can be executed in the ATM 10A (control unit 101A) is referred to as a “crew employee mode”. When the ATM 10A (control unit 101A) operates in the employee mode, it is assumed that at least the validity code restoration process can be executed. When the ATM 10A (the control unit 101A) operates in the clerk mode, for example, it may be configured to be able to execute other processes such as a cash withdrawal process and a supplement process for the cash processing unit 107.

  The trigger for making the ATM 10A (the control unit 101A) transition so as to operate in the employee mode is not limited. For example, in ATM 10A, a switch serving as a trigger for shifting to the crew mode may be provided inside a locked door (not shown), and the on / off of the crew mode may be controlled by the switch. You may make it change to employee mode by using authentication information (password etc.) input as a trigger.

(B-2) Operation | movement of 2nd Embodiment Next, operation | movement of ATM10A of 2nd Embodiment which has the above structures is demonstrated.

  First, the operation of the ATM 10A (control unit 101A) when a cash card (IC cash card 20 or IC-less cash card 30) is inserted from a customer will be described with reference to FIG.

  First, it is assumed that a cash card (IC cash card 20 or IC-less cash card 30) is inserted into the card processing unit 103 by the customer (S201).

  Then, the card processing unit 103 reads the data of the magnetic stripe of the inserted cash card under the control of the control unit 101A (S202).

  Then, in the control unit 101A, the data reading result of the magnetic stripe by the card processing unit 103 is confirmed, and the subsequent processing is determined according to the confirmation result (S203). In step S203, if the data reading of the magnetic stripe has succeeded (in the case of reading OK), the control unit 101A operates from the processing in step S204 described later, and if the data reading of the magnetic stripe has failed (in reading NG). In the case), the operation starts from step S207 described later. In the control unit 101A, the method for determining whether or not the data reading result of the magnetic stripe is successful is the same as that in the first embodiment, and a detailed description thereof will be omitted.

  When the magnetic stripe data has been successfully read (in the case of reading OK) in step S203 described above, the control unit 101A refers to the validity code included in the read magnetic stripe data, and reads “IC It is confirmed whether the content indicates “with chip” or “without IC chip” (S204). When it is confirmed that the content of the referenced validity code is “content with IC chip”, the control unit 101A operates from step S205 described later. On the other hand, when it is confirmed that the content of the referred validity code indicates “no IC chip”, the control unit 101A operates from step S206 described later.

  When it is confirmed in the above-described step S204 that the content of the referred validity code indicates “IC chip present” (that is, when the inserted cash card is the IC cash card 20), the control unit 101A. Reads the data of the IC chip 202 via the card processing unit 103 and starts a transaction process using the data of the card processing unit 103 with the customer (S205).

  On the other hand, when it is confirmed in the above-described step S204 that the content of the referred validity code indicates “no IC chip” (that is, when the inserted cash card is the IC-less cash card 30), Transaction processing using the data of the magnetic stripe 301 read by the card processing unit 103 is started with the customer (S206).

  When the data reading of the magnetic stripe fails in the above-described step S203 (in the case of reading NG), the control unit 101A controls the card processing unit 103 to return (discharge) the inserted cash card. Transaction processing is canceled (S207).

  The operation of the flowchart shown in FIG. 5 is almost the same as that of the conventional ATM. However, in the ATM 10A (control unit 101A), if the IC cash card 20, the validity code restoration process is performed in the employee mode, and the IC The validity code of the magnetic stripe 201 of the cash card 20 can be restored so that it can be traded by ATM (not limited to the ATM of the present invention).

  Therefore, in the ATM 10A (control unit 101A) of the second embodiment, when data in the magnetic stripe of the inserted cash card cannot be read as in step S207 described above, an abnormality (data in the magnetic stripe of the cash card) is detected. An alarm (for example, a voice or a lamp display) may be issued to inform a clerk or the like that the information cannot be read. In addition, a message to the customer is displayed on the touch panel screen of the operation display unit 104, and the message “The magnetic stripe on the cash card is damaged. Please come to the counter or call a clerk” is displayed. You may be prompted to call.

  Then, after the process of step S207 described above, for example, the bank clerk comes to the ATM 10A side, visually checks the cash card used by the customer, and the cash card is attached to the IC chip 202. It is confirmed whether or not. Here, the cash card is the IC cash card 20 with the IC chip 202 attached, and it is assumed that the ATM 10A has transitioned to the clerk mode by the clerk's operation.

  FIG. 6 is a flowchart showing an operation in the case where, for example, the ATM 10A shifts to the clerk mode by the clerk's operation and the validity code restoration process is performed on the IC cash card 20 by the ATM 10A in the case described above. It is.

  First, it is assumed that the ATM 10A (control unit 101A) shifts to a escort mode by an operation of the clerk (S301), and further, the validity code restoration process is started by the ATM 10A (control unit 101A) by the operation of the clerk ( S302).

  In the ATM 10A (control unit 101A), the trigger for starting the validity code restoration process during operation in the employee mode is not limited. For example, in the ATM 10A (the control unit 101A), after transitioning to the employee mode, a selection operation for selecting which process is performed is accepted (for example, a process selection menu is displayed on the touch panel of the operation display unit 104 to be selected). May be.

  When the validity code restoration process is started, the control unit 101A prompts the bank employee to insert a cash card (for example, displays a message such as “Please insert a card” on the touch panel screen of the operation display unit 104). It is assumed that a cash card is inserted from the bank employee (S303).

  Then, the control unit 101A assumes that the inserted cash card is the IC cash card 20 to which the IC chip is attached, and contacts the IC chip (reads data via the card processing unit 103). It is determined whether or not an IC chip is attached to the cash card by trying (execution) (S304).

  Then, the control unit 101A determines whether or not an IC chip is attached to the inserted cash card in accordance with the data read result in step S304 described above (S305). If it is determined in step S305 described above that data has been successfully read from the IC chip into the inserted cash card, the control unit 101A operates from step S306 described later, If it is determined that data reading from the IC chip has failed, the control unit 101A operates from step S308 described later. Note that if the inserted cash card is the IC-less cash card 30 in step S303 described above, it will naturally fail to read data from the IC chip, so the process proceeds to step S308 described later. become.

  If it is determined in step S305 above that data has been successfully read from the IC card of the inserted cash card (that is, the inserted cash card was the IC cash card 20 including the normal IC chip 202). ), The control unit 101A controls the card processing unit 103 to execute the validity code restoration process for the IC cash card 20 (S306), and further returns (discharges) the IC cash card 20 to the bank clerk. (S307).

  On the other hand, when it is determined in step S305 described above that data reading from the IC chip of the inserted cash card has failed (that is, the inserted cash card is the IC cash card 20 including the defective IC chip 202). In this case, or when the cash card 30 has no IC), the control unit 101A controls the card processing unit 103 to return (discharge) the cash card to the bank employee (S308).

(B-3) Effects of Second Embodiment According to the second embodiment, the following effects can be achieved.

(B-3-1) In the ATM 10A of the second embodiment, similarly to the first embodiment, if the IC stripe card 20 is an IC cash card 20, the validity code is provisionally provisionally even if the magnetic stripe 201 is defective. By restoring, it is possible to conduct transactions at an ATM (not limited to the ATM of the present invention) after the next time.

(B-3-2) In the ATM 10A of the second embodiment, similarly to the first embodiment, there is no need to receive data from a host system (such as a host computer) during magnetic stripe validity code restoration processing. Therefore, the validity code restoration process can be easily realized.

(B-3-3) In the ATM 10A of the second embodiment, in order to execute the validity code restoration process, it is necessary to operate in a banking mode in which the validity code restoration process can be executed. Therefore, when a customer who has an IC cash card 20 whose data in the magnetic stripe 201 is defective makes a transaction at the ATM 10A, it is necessary to make an offer to a staff member of the bank of the financial institution. . However, in the ATM 10A according to the second embodiment, since it is necessary to take a response by a bank employee, the validity code is temporarily restored by the validity code restoration process, and the magnetic stripe other than the validity code is also restored. It is possible to immediately start the procedure for reissuing a new card.

(C) Other Embodiments The present invention is not limited to the above-described embodiments, and may include modified embodiments as exemplified below.

(C-1) In each of the above-described embodiments, an example in which the transaction device of the present invention is applied to an ATM that accepts a cash card as a recording medium from a customer and performs a transaction has been described. Further, the present invention may be applied to other apparatuses that accept a recording medium from a customer and perform a transaction. For example, a point card, an electronic money card, etc., which accepts a recording medium having a plurality of data recording units (for example, a magnetic stripe and an IC chip) and conducts a transaction using data recorded on the recording medium You may make it apply to an apparatus. For example, when the transaction apparatus of the present invention accepts a point card as a recording medium and performs a transaction, as the point card, in addition to a transaction necessary for a transaction such as a customer number, a magnetic stripe in which a validity code is recorded, A device provided with an IC chip in which transaction information similar to a magnetic stripe is recorded can be applied.

(C-2) In each of the above embodiments, a magnetic stripe is applied as the first data recording unit and an IC chip is applied as the second data recording unit to the cash card as the recording medium. Although an example was demonstrated, the kind and combination of the data recording part of the data recording part with which the recording medium processed with the transaction apparatus of this invention is provided are not limited to the above-mentioned thing.

(C-3) In each of the embodiments described above, an example in which the IC chip attached to the IC cash card has been described, but it may be physically divided into a plurality of IC chips.

  DESCRIPTION OF SYMBOLS 10 ... ATM (transaction apparatus), 101 ... Control part, 102 ... Data storage part, 103 ... Card processing part, 104 ... Operation display part, 105 ... Printer, 106 ... Passbook processing part, 107 ... Cash processing part, 108 ... Communication Department.

Claims (7)

The first data recording unit includes at least transaction information for performing a transaction and the second data recording unit in the recording medium. Control information indicating that the transaction information is recorded, and the second data recording unit includes a recording medium in which transaction information representing at least the same content as the transaction information of the first data recording unit is recorded. In a transaction apparatus including a recording medium processing unit capable of receiving and processing,
Confirming means for confirming whether or not the recording medium received by the recording medium processing unit includes a second data recording unit;
When it is confirmed by the confirmation means that the recording medium received by the recording medium processing unit is provided with the second data recording unit, at least control information is given to the first data recording unit of the recording medium. A transaction apparatus comprising: data restoration processing means for performing the data restoration process.   The data restoration processing means performs data restoration processing on the first data recording unit only when data cannot be read from the first data recording unit of the recording medium received by the recording medium processing unit. The transaction apparatus according to claim 1.   The transaction apparatus according to claim 1 or 2, wherein the data restoration processing means inputs dummy data as data other than the control information when performing the data restoration process on the first data recording unit.   The data restoration processing means performs the data restoration process for the first data recording unit only when the data of the first data recording unit of the recording medium received by the recording medium processing unit cannot be read normally. The transaction apparatus according to claim 1.   The data restoration processing means issues a warning by a predetermined means when performing data restoration processing on the first data recording section of the recording medium received by the recording medium processing section. Item 5. The transaction apparatus according to any one of Items 1 to 4.   Depending on the user's operation, the transaction apparatus is either a first operation mode in which the function of the data restoration processing means is validated or a second operation mode in which the function of the data restoration processing means is invalidated. The transaction apparatus according to claim 1, further comprising operation mode switching means for switching to and operating. The first data recording unit includes at least transaction information for performing a transaction and the second data recording unit in the recording medium. Control information indicating that the transaction information is recorded, and the second data recording unit includes a recording medium in which transaction information representing at least the same content as the transaction information of the first data recording unit is recorded. A computer mounted on a transaction apparatus having a recording medium processing unit capable of receiving and processing,
Confirming means for confirming whether or not the recording medium received by the recording medium processing unit includes a second data recording unit;
When it is confirmed by the confirmation means that the recording medium received by the recording medium processing unit is provided with the second data recording unit, at least control information is given to the first data recording unit of the recording medium. A control program that functions as a data restoration processing means for performing the data restoration process.

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