JP2015111331A - Ic cash card reissuing system and reissuing method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce time and labor for reissuing an IC cash card of which magnetic stripe data is destroyed.SOLUTION: When an automatic teller machine cannot read data from a magnetic stripe of an IC cash card, the automatic teller machine reads out data from an IC chip of the IC cash card, and requests to reissue the magnetic stripe data by transmitting the data of the IC chip and a personal identification number input by a client to a host computer. The host computer determines propriety of the request to reissue the magnetic stripe data, then when it is determined to be appropriate, transmits the magnetic stripe data to the automatic teller machine. The automatic teller machine having received the magnetic stripe data restores the magnetic stripe data by magnetically recording the magnetic stripe data in the magnetic stripe of the IC cash card.

Description

  The present invention relates to an IC cash card reissuing system and a reissuing method for reissuing an IC cash card by communicating with a host computer at a center when an automatic cash transaction apparatus detects damage to the IC cash card.

  In recent years, cash can be easily provided to customers by reading an IC cash card containing a non-volatile data memory and an IC chip having a CPU (Central Processing Unit) to control it with an automatic cash transaction apparatus of a financial institution. A system for depositing and withdrawing money is used.

  As this IC cash card, an IC cash card using an IC chip and a magnetic stripe corresponding to an old model is used together with an IC chip so that it can be handled by an automatic cash transaction apparatus of an old model corresponding only to the magnetic card.

  However, the magnetic stripe data of the IC cash card is easily destroyed. For example, when a magnet approaches the IC cash card, the magnetic stripe data may be destroyed. Thus, when the magnetic stripe data of an IC cash card is destroyed by a magnet or the like, the IC cash card cannot be traded by an automatic cash transaction apparatus.

  In other words, in order to conduct transactions using an IC cash card in an automatic teller machine, it is necessary to read the magnetic stripe data normally when the IC cash card is inserted. For this reason, the IC cash card that resulted in a read error due to the destruction of the magnetic stripe data was returned to the customer and could not be handled by the automated teller machine.

  In that case, it is necessary for the customer to bring the IC cash card in which the magnetic stripe data is destroyed to the counter of the financial institution and request reissuance of the IC cash card. However, the counters of financial institutions such as banks are closed outside business hours (holidays, holidays, weekday nights, etc.), and customers have to wait until the counter opens, which is inconvenient.

  In order to improve this problem, Patent Document 1 has proposed a system for issuing a substitute card for an IC cash card and supplying it to a customer.

Japanese Patent Laid-Open No. 11-143968

  However, in the technique of Patent Document 1, the customer can obtain an IC cash card that can be temporarily used, but eventually, it is necessary to reissue a regular IC cash card separately, which requires time and effort of the customer.

Therefore, the problem of the present invention is to solve such a conventional problem, and when the magnetic stripe data of the IC cash card is destroyed, the automatic teller machine is destroyed without going to the counter of the financial institution. It is an object of the present invention to provide an IC cash card reissue system capable of restoring magnetic stripe data and reissuing an IC cash card.

In order to solve the above problems, the present invention is an IC cash card reissue system using an automatic teller machine,
Having a host computer that transmits the magnetic stripe data to the automatic teller machine after determining the validity of the reissue request of the magnetic stripe data from the automatic teller machine,
When the automatic teller machine cannot read the magnetic stripe data of the IC cash card, the host computer reads the IC chip data of the IC cash card and inputs the IC chip data and the password entered by the customer. Control means for sending a request to reissue the magnetic stripe data,
The automatic teller machine has means for receiving the magnetic stripe data from the host computer and restoring the magnetic stripe data by magnetically recording the magnetic stripe data on the magnetic stripe of the IC cash card. This is an IC cash card reissue system.

  According to the present invention, since the automatic teller machine restores the magnetic stripe data of the IC cash card in this way, there is an effect that the trouble of the customer who reissues the IC cash card can be reduced.

The present invention is the above IC cash card reissue system,
After the automatic cash transaction apparatus restores the magnetic stripe data of the IC cash card and reads the magnetic stripe data of the IC cash card again and fails to read the magnetic stripe data, The means for reading the passbook data of the passbook after receiving the passbook requesting to be installed in a transaction apparatus, the control means, the passbook data, the data of the IC chip and the password A means for sending to the host computer and making a reissue request for the IC cash card;
The host computer has means for transmitting re-issuance data of the IC cash card after determining the validity of the re-issuance request of the IC cash card,
The automatic teller machine receives the reissuing data of the IC cash card, and takes out the reissuing IC cash card from the card supply unit, and writes the reissuing data into the reissuing IC cash card The IC cash card reissuing system includes means for reissuing the IC cash card.

Further, the present invention is an IC cash card reissue method using an automatic teller machine and a center host computer,
If the automatic teller machine cannot read the magnetic stripe data of the IC cash card, it reads the IC chip data of the IC cash card and sends the IC chip data and the password entered by the customer to the host computer. The magnetic stripe data is reissued, the host computer determines the validity of the magnetic stripe data reissue request, transmits the magnetic stripe data to the automatic teller machine, and the magnetic stripe data is The IC cash card reissuing method, wherein the received automatic teller machine restores the magnetic stripe data by magnetically recording the magnetic stripe data on the magnetic stripe of the IC cash card.

Further, the present invention is the above IC card reissuing method,
After restoring the magnetic stripe data of the IC cash card, the data of the magnetic stripe of the IC cash card is read again, and when the data of the magnetic stripe cannot be read, a passbook is installed in the automatic teller machine. After requesting and receiving the passbook, read the passbook data of the passbook,
The passbook data, the IC chip data, and the password are transmitted to the host computer to request reissuance of the IC cash card, and the host computer determines the validity of the reissue request of the IC cash card. Send the reissue data for the IC cash card,
The automatic teller machine that received the data for reissuing the IC cash card,
The IC cash card reissuing method is characterized in that the IC cash card is reissued by writing the reissuing data of the IC cash card to the reissuing IC cash card taken out from the card supply unit.

  According to the present invention, since the automatic teller machine restores the magnetic stripe data of the IC cash card and reissues the IC cash card, there is an effect that the trouble of the customer is reduced and the convenience of the customer is improved.

  In addition, since the automatic cash transaction apparatus reissues the IC cash card, there is an effect that the trouble of reissuing the IC cash card at the window of the financial institution is reduced.

It is a block diagram which shows the schematic structure of the IC cash card reissue system of the 1st Embodiment of this invention. It is a figure which shows an example of the data of the IC cash card used in the 1st Embodiment of this invention. It is a flowchart (the 1) of the procedure of the reissuance process of the IC cash card by the 1st Embodiment of this invention. It is a flowchart (the 2) of the procedure of the reissuance process of the IC cash card by the 1st Embodiment of this invention.

<First Embodiment>
The IC cash card reissue system according to the first embodiment of the present invention will be described below with reference to FIGS.

  In the first embodiment, as shown in the system configuration of FIG. 1, an automatic cash transaction apparatus 200 is connected to a host computer 1 installed in a center such as a financial institution via a communication line.

(Host computer)
The host computer 1 at the center of the financial institution has a storage device for a customer data file 2 in which transaction information of a customer who owns the IC cash card 100 is stored. The data of the customer data file 2 includes an ID number D1, IC number D2, branch number D3, account number D4, expiration date D5, number of issuances D6, PIN, passbook page information, passbook line information of the IC cash card 100, Store passbook balance information and the like.

(IC cash card)
The IC cash card 100 includes an IC chip 102 and a magnetic stripe 101, and is a contact-type data communication interface or non-contact type for exchanging data with the IC read / write means 212 of the automatic teller machine 200. A data communication interface is provided.

FIG. 2 shows an example of data recorded on the IC chip 102 of the IC cash card 100 and an example of data recorded on the magnetic stripe 101. That is, the data stored in the IC chip 102 includes the ID number D1, the financial institution number D2, the branch number D3, the account number D4, the expiration date D5, and the number of issuance times D6 of the IC cash card 100. The data recorded on the magnetic stripe 101 includes the ID number D1, the financial institution number D2, the branch number D3, the account number D4, and the number of issuance times D6 of the IC cash card 100.

(Automatic cash transaction equipment)
The automatic teller machine 200 includes a customer operation unit 201 having a display unit, a control unit 202, a passbook read / write unit 203, a card reader / writer 210, a card printing machine 221, a card supply unit 222, and an old card storage unit 223. .

(Passbook read / write means)
The passbook read / write means 203 has means for reading / writing data from / to the magnetic stripe 111 of the passbook 110 and printing means for printing passbook balance information and the like in the entry field of the passbook.

(Card reader / writer)
The card reader / writer 210 includes a magnetic read / write unit 211 that reads / writes data of the magnetic stripe 101 of the IC cash card 100 and an IC read / write unit 212 that reads / writes data of the IC chip 102 of the IC cash card 100. The IC read / write means 212 uses the IC read / write means 212 that performs data communication in a non-contact manner or a contact manner depending on whether the data communication interface of the IC cash card 100 used for automatic transaction is a non-contact or contact manner.

(Card reissue method)
The card printer 221, the card supply unit 222, the card printer 221, and the old card storage unit 223 of the automatic teller machine 200 are used for reissuing the IC cash card 100. That is, an unissued IC cash card 100 to be reissued is taken out from the card supply unit 222, data is written, and the IC cash card 100 reissued by the card printer 221 is delivered to the customer. As the new IC cash card 100 is reissued and delivered to the customer, the old IC cash card 100 is picked up by the automatic teller machine 200 and temporarily stored in the old card storage unit 223.

(Operation procedure)
The operation procedure of the IC cash card reissue system according to the first embodiment will be described below with reference to the flowcharts of FIGS.

(Step S1)
When the user approaches the automatic cash transaction apparatus 200 and enters the predetermined operation range, the screen display on the display unit of the customer operation unit 201 of the automatic cash transaction apparatus 200 is switched from the standby state to the transaction selection screen display.

  When the IC cash card 100 is inserted by the user and the insertion detection sensor 81 detects the insertion, the control unit 202 controls the entire card processing unit 8 so that the IC cash card 100 is magnetically read / written by the card reader / writer 210. Transport to 211. The magnetic read / write unit 211 reads the magnetic stripe data recorded on the magnetic stripe 101 of the IC cash card 100.

(Step S2)
Here, when the identification code or account number for each financial institution of the magnetic stripe data recorded on the magnetic stripe 101 can be read, the process proceeds to a normal transaction process, and then a password input operation guide etc. I do.

(Step S3)
However, if a part of the magnetic stripe data cannot be read from the magnetic stripe 101 and the financial institution code or the user's account number cannot be read, a predetermined number of retry operations are executed to perform re-reading. When the retry operation is performed and cannot be read again, a magnetic stripe restoration selection screen is displayed on the display unit of the customer operation unit 201 and a customer command is input from the customer operation unit 201.

  If the customer selects normal processing termination without selecting magnetic stripe restoration, the IC cash card is returned to the customer, and then the customer waits.

(Step S4) IC Cash Card Magnetic Stripe Restoration Process On the other hand, if the customer selects the magnetic stripe restoration process, the control unit 202 starts restoring the magnetic stripe data on the display screen of the customer operation unit 201. Display a notification screen to the effect.

  Next, the IC cash card 100 is transported to the IC read / write unit 212 of the card reader / writer 210, and an IC data read command command is transmitted to the IC chip 102 of the IC cash card 100 using the IC read / write unit 212.

  The IC chip 102 that has received this command command stores the stored data such as the ID number D1, the financial institution number D2, the branch number D3, the account number D4, the expiration date D5, and the number of issuances D6. To the control unit 202 of the automatic teller machine 200.

(Step S5)
After receiving these IC chip data from the IC chip 102 of the IC cash card 100, the control unit 202 of the automatic teller machine 200 causes the customer to input a password from the customer operation unit 201.

(Step S6)
When the customer inputs the personal identification number from the customer operation unit 201, the control unit 202 transmits the IC chip data from the ID number D1 of the IC chip 102 to the number of times of issue D6 and the personal identification number data to the host computer 1 of the center. Then, a request for reissuing the magnetic stripe data of the IC cash card is made.

(Step S7)
When the center host computer 1 receives the IC chip data from the automatic teller machine 200 and receives a reissue request for the magnetic stripe data of the IC cash card, the center's host computer 1 stores the received IC chip data and password in the customer data file. The validity of the reissue request of the magnetic stripe data is determined by comparing with the data of No. 2.

  In other words, the host computer 1 compares the IC chip data such as the account number D4 read from the IC chip 102 of the IC cash card 100 with the password entered by the customer with the information in the customer data file 2 to thereby compare the magnetic stripe data. The validity of the reissue request is determined.

(Step S8)
As a result, when it is determined that the reissue request for the magnetic stripe data is valid, the host computer 1 reads the magnetic stripe data of the IC cash card 100 to be reissued from the customer data file 2, and the data Is transmitted to the automatic teller machine 200 to instruct reissuance of the magnetic stripe data of the IC cash card 100. At this time, the history of “card magnetic restoration” is recorded in the customer data file 2 stored in the host computer 1, and the value of the number of times of issuing data for the IC cash card 100 is counted up. rewrite.

(Step S9)
In the automatic teller machine 200, the IC cash card 100 is transported to the magnetic read / write means 211, and data designated by the host computer 1 is magnetically recorded on the magnetic stripe 101 of the IC cash card 100.

(Step S10)
The control unit 202 reads the magnetic stripe data from the magnetic stripe 101 of the IC cash card 100 again by the magnetic read / write unit 211. Here, when the reading of the data is successful, it can be confirmed that the magnetic stripe data has been successfully restored. In that case, the process proceeds to the subsequent normal cash handling process, and then proceeds to processes such as input of a personal identification number and input of a withdrawal amount.

(Step S11)
Here, if the process is abnormally terminated in step S10, the control unit 202 determines that the destruction of the magnetic stripe 101 of the IC cash card 100 cannot be restored, and sends data reporting the abnormal termination to the host computer 1. Send.

(Step S12)
Then, the control unit 202 displays a screen that allows the customer to select whether to reissue the IC cash card 100. If the customer does not select the reissuing process of the IC cash card 100, the IC cash card 100 is returned to the customer and the process is terminated.

(Step S13) IC cash card reissue process When the customer selects the reissue process of the IC cash card 100, a passbook insertion request screen is displayed on the display unit of the customer operation unit 201, and the magnetic stripe data is destroyed to the customer. The bankbook 110 having the same account number as the IC cash card 100 is inserted through a predetermined insertion slot. When the passbook 110 is inserted into the automatic teller machine 200, the control unit 202 reads the passbook data magnetically recorded in the magnetic stripe 111 of the passbook.

(Step S14)
Next, the control part means 202 of the automatic teller machine 200 makes a customer input a PIN from the customer operation part 201.

(Step S15)
When the customer inputs the password from the customer operation unit 201, the control unit 202 transmits the passbook data, IC chip data, and the password data entered by the customer to the center host computer 1. The IC cash card reissue request command is transmitted.

(Step S16)
When the host computer 1 receives the passbook data, the IC chip data, the PIN number data entered by the customer, and the IC cash card reissue request command from the automatic teller machine 200, the host computer 1 receives the received passbook data and the IC chip data. The validity of the request is determined by comparing with the data in the customer data file 2.

  That is, the host computer 1 reissues the IC cash card by comparing the account number D4 read from the bankbook 110 and the IC chip 102 of the IC cash card 100 and the password entered by the customer with the information in the customer data file 2. Determine the validity of the request.

(Step S17)
If the host computer 1 determines that the IC cash card reissue request is valid, the host computer 1 uses the customer data file 2 to reissue the IC cash card 100 to be reissued (information to be written to the IC chip 102). , Printing information on the emboss of the IC cash card 100, magnetic stripe data) is read out. And those data are transmitted to the automatic teller machine 200, and the data of an IC cash card reissue instruction command are transmitted.

  Further, the host computer 1 counts up and stores the value of the number of times the corresponding IC cash card 100 is issued in the stored customer data file 2.

(Step S18)
The automatic teller machine 200 that has received the IC cash card reissue command command from the host computer 1 takes out the reissue IC cash card 100 from the card supply unit 222. Then, the information of the original IC cash card 100 is written into the reissue IC cash card 100 as follows.

  First, the automatic teller machine 200 writes information to the magnetic stripe part of the IC cash card for reissuance based on the received data from the host computer 1 and writes information to the IC chip 102. Next, the financial institution number, the branch number, the account number, the member name, the expiration date, and the like are printed on the IC card for reissuance by embossing, by forming irregularities in the thickness direction of the IC cash card 100.

  Then, the automatic teller machine 200 carries out the IC cash card thus created from the card issuing slot and delivers it to the customer. In addition, the bankbook 110 is returned to the customer. The old IC cash card 100 is picked up by the automatic teller machine 200 and temporarily stored in the old card storage unit 223. Thereafter, the customer waits.

(Step S19)
When the reissued IC cash card is withdrawn from the card issuing slot, the automatic teller machine 200 transmits a notice of completion of reissuance of the IC cash card to the host computer 1.

  The host computer 1 that has received the notice of completion of the reissuance of the IC cash card from the automatic teller machine 200 writes a record for validating only the card to which the latest issuance number is given in the customer data file 2.

DESCRIPTION OF SYMBOLS 1 ... Host computer 2 ... Customer data file 100 ... IC cash card 101 ... Magnetic stripe 101 ... IC chip 110 ... Passbook 111 ... Magnetic stripe 200 of a passbook ... Cash Automatic transaction apparatus 201 ... customer operation unit 202 ... control means 203 ... passbook read / write means 210 ... card reader / writer 211 ... magnetic read / write means 212 ... IC read / write means 221 ... -Card printer 222 ... Card supply unit,
223 ... Old card storage D1 ... ID number D2 ... Financial institution number D3 ... Branch number D4 ... Account number D5 ... Expiration date D6 ... Issuing frequency

Claims (4)

An IC cash card reissue system using an automatic teller machine,
Having a host computer that transmits the magnetic stripe data to the automatic teller machine after determining the validity of the reissue request of the magnetic stripe data from the automatic teller machine,
When the automatic teller machine cannot read the magnetic stripe data of the IC cash card, the host computer reads the IC chip data of the IC cash card and inputs the IC chip data and the password entered by the customer. Control means for sending a request to reissue the magnetic stripe data,
The automatic teller machine has means for receiving the magnetic stripe data from the host computer and restoring the magnetic stripe data by magnetically recording the magnetic stripe data on the magnetic stripe of the IC cash card. IC cash card reissue system. An IC cash card reissue system according to claim 1,
After the automatic cash transaction apparatus restores the magnetic stripe data of the IC cash card and reads the magnetic stripe data of the IC cash card again and fails to read the magnetic stripe data, The means for reading the passbook data of the passbook after receiving the passbook requesting to be installed in a transaction apparatus, the control means, the passbook data, the data of the IC chip and the password A means for sending to the host computer and making a reissue request for the IC cash card;
The host computer has means for transmitting re-issuance data of the IC cash card after determining the validity of the re-issuance request of the IC cash card,
The automatic teller machine receives the reissuing data of the IC cash card, and takes out the reissuing IC cash card from the card supply unit, and writes the reissuing data into the reissuing IC cash card And a means for reissuing the IC cash card. An IC cash card reissue method using an automatic teller machine and a center host computer,
If the automatic teller machine cannot read the magnetic stripe data of the IC cash card, it reads the IC chip data of the IC cash card and sends the IC chip data and the password entered by the customer to the host computer. The magnetic stripe data is reissued, the host computer determines the validity of the magnetic stripe data reissue request, transmits the magnetic stripe data to the automatic teller machine, and the magnetic stripe data is The IC cash card reissuing method, wherein the received automatic cash transaction apparatus magnetically records the magnetic stripe data on the magnetic stripe of the IC cash card to restore the magnetic stripe data. An IC cash card reissue method according to claim 3,
After restoring the magnetic stripe data of the IC cash card, the data of the magnetic stripe of the IC cash card is read again, and when the data of the magnetic stripe cannot be read, a passbook is installed in the automatic teller machine. After requesting and receiving the passbook, read the passbook data of the passbook,
The passbook data, the IC chip data, and the password are transmitted to the host computer to request reissuance of the IC cash card, and the host computer determines the validity of the reissue request of the IC cash card. Send the reissue data for the IC cash card,
The automatic teller machine that received the data for reissuing the IC cash card,
An IC cash card reissuing method, wherein the IC cash card is reissued by writing the reissuing data of the IC cash card to the reissuing IC cash card taken out from the card supply unit.

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