JP2016207131A - Consumer transaction facility - Google Patents

Abstract

PROBLEM TO BE SOLVED: To confirm a breakage state of a JIS1 stripe (rear face) and promote a customer to update a card.SOLUTION: A consumer transaction facility can receive a cash card 30 comprising magnetic stripes JIS1, JIS2, and perform transaction based on information stored in the JIS2 stripe of the cash card 30. The consumer transaction facility comprises: magnetic reading parts 21, 22 disposed corresponding to the two magnetic stripes, and reading information stored in the magnetic stripes; and a touch panel 5 for outputting information related to transaction. When the information cannot be read from the JIS2 stripe, transaction is interrupted, when the information cannot be read from the JIS1 stripe, the transaction is continued, and the fact that information from the JIS1 stripe cannot be read, is displayed on the touch panel 5.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an automatic transaction apparatus in which a cash card with a magnetic stripe can be used.

  Conventionally, according to the JIS standard, cards include Type 1 (hereinafter referred to as JIS1) conforming to ISO (International Organization for Standardization) specifications, and Type 2 (hereinafter referred to as JIS2) that has been conventionally used as a unified specification among banks. ). In JIS1, the magnetic stripe is provided on the back surface of the card, and in JIS2, it is provided on the front surface of the card. Therefore, even if the card issued in Japan is a credit card or cash card with a JIS1 stripe (back side) that can be used overseas, when using an automatic transaction device in Japan, transactions are made using the JIS2 stripe (front surface). . On the other hand, when using an automatic transaction apparatus overseas, a transaction is performed using the JIS1 stripe (back surface).

  Japanese Patent Application Laid-Open No. 11-134416 (Patent Document 1) describes an international cash card common to overseas countries in which the card surface magnetic tape is a domestic standard bank account number and the card back magnetic tape is an international standard card member number. Has been.

JP-A-11-134416

  However, even if you use a credit card or cash card with a JIS1 card (backside stripe) that can be used overseas with a domestically issued JIS2 card (front side stripe), transactions are made using the JIS2 stripe (front side). There was a problem that the JIS1 stripe (back surface) was not noticed. And if you try to use a credit card or cash card with JIS1 card (backside stripe) that can be used overseas with overseas ATM (automatic transaction equipment), there are some cases where you can not trade overseas due to damage of JIS1 stripe, There was a problem of causing complaints.

  The problem to be solved by the present invention is to confirm the state of breakage of the JIS1 stripe (back side) and prompt the customer to update the card, so that it is not possible to know that the card cannot be used for the first time when trying to use it overseas. It is possible to do so.

  In order to solve the above problems, an automatic transaction apparatus according to the present invention is capable of accepting a transaction medium having a plurality of magnetic stripes, and performs an transaction based on information stored in one magnetic stripe in the transaction medium. In the apparatus, a medium insertion / ejection port for inserting and ejecting the transaction medium, a magnetic reading means provided corresponding to the plurality of magnetic stripes, for reading information stored in the magnetic stripe, and information for outputting information relating to the transaction When the information cannot be read from the output unit and the one magnetic stripe, the transaction is interrupted, and when the information cannot be read from the magnetic stripe other than the one, the transaction is continued. It has a control part which controls to output that information from the magnetic stripe could not be read.

  According to the present invention having the above configuration, when information cannot be read from one magnetic stripe, the transaction is interrupted, and when information cannot be read from other magnetic stripes, the transaction is continued, and the information output unit Control was made to output that information from magnetic stripes other than one could not be read. As a result, customers who use JIS1 striped credit cards or cash cards that can be used overseas with domestically issued JIS2 cards use automatic transaction devices overseas when conducting transactions using automatic transaction devices in Japan. It is possible to guide the possibility of being unable to trade. As a result, it is possible to prompt the card renewal, and it is possible to prevent in advance that the card cannot be used overseas and to increase the convenience for the customer.

It is a block diagram which shows the structure of the automatic transaction apparatus regarding 1st Embodiment. It is an external view of the automatic transaction apparatus regarding 1st Embodiment. It is an external view of the cash card regarding a 1st embodiment. It is a flowchart which shows operation | movement of the automatic transaction apparatus regarding 1st Embodiment. It is a flowchart which shows operation | movement of the automatic transaction apparatus regarding 1st Embodiment. It is explanatory drawing which shows the JIS1 error confirmation screen regarding 1st Embodiment. It is explanatory drawing which shows the example of a statement slip printed regarding the modification 1 of 1st Embodiment. It is explanatory drawing which shows the JIS1 error confirmation screen regarding the modification 2 of 1st Embodiment. It is an external view of the cash card regarding the modification 3 of 1st Embodiment.

(First embodiment)
Hereinafter, a first embodiment of the present invention will be described. FIG. 2 is an external view of the automatic transaction apparatus according to the first embodiment. The automatic transaction apparatus 100 is installed in a financial institution or the like and enables cash deposit / withdrawal transaction, transfer transaction, passbook transaction, and the like by a customer's operation, and discharges various media along with the transaction. An automatic transaction apparatus 100 operated by a customer is provided with a card insertion / discharge port 1, a passbook insertion / discharge port 2, a banknote deposit / withdrawal port 3, a coin deposit / withdrawal port 4, a touch panel 5, and a proximity sensor 6.

  A card insertion outlet 1 as a medium insertion outlet is a transaction medium issued by a financial institution and issued by a cash card or a credit company as a transaction medium in which customer information such as a financial institution code, a customer account number, and a customer name is stored. A credit card (hereinafter referred to as a cash card) can be inserted.

  Further, the cash card is discharged from the card insertion / ejection slot 1 and the statement slip on which the transaction details are recorded is discharged. The statement slip may be discharged from a statement slip discharge port (not shown) independent of the card insertion discharge port 1. A passbook can be inserted into the passbook insertion / extraction port 2, and passbook entry is performed, and the booked passbook is discharged.

  The cash card 30 is provided with a plurality of magnetic stripes as will be described later with reference to FIG. That is, a JIS 1 / ISO side stripe is provided on the back surface of the cash card 30, and a JIS 2 side stripe is provided on the front surface. The automatic transaction apparatus 100 performs a transaction based on magnetic information stored in a JIS 2-side stripe provided on the surface of the cash card 30.

  The banknote deposit / withdrawal port 3 accepts a banknote inserted by a customer and enables a banknote to be withdrawn (discharged) from the customer. The coin deposit / withdrawal port 4 accepts coins input by the customer and enables the coins to be withdrawn (discharged) from the customer. The touch panel 5 as an operation display means functions as an information input unit for inputting information such as a password, a withdrawal amount or a deposit amount necessary for a transaction by a customer, displays guidance for operation guidance to the customer, and It functions as an information output unit that outputs information related to transactions.

  In particular, in the present embodiment, as described later, when the magnetic stripe on the back surface of the cash card 30 inserted by the customer cannot be read, the touch panel 5 displays that the magnetic stripe cannot be read. The proximity sensor 6 is provided in front of the automatic transaction apparatus 100 and detects that a customer has approached the automatic transaction apparatus 100 in order to start a transaction.

  FIG. 1 is a block diagram showing a configuration of an automatic transaction apparatus according to the first embodiment. The common control part 10 of the automatic transaction apparatus 100 is connected to each part of the automatic transaction apparatus 100 and controls each part. The common control unit 10 is connected to a device storage unit 23 composed of a RAM, a ROM, a hard disk or the like, and operates according to a control program stored in the device storage unit 23. The common control unit 10 can write various data into the device storage unit 23 and can read out the data from the device storage unit 23 as necessary. The common control unit 10 is connected to the host computer 200 via the interface unit 9 and exchanges information related to deposit / withdrawal transactions and the like stored in the database 201.

  The customer operation screen display unit 14 as an information output unit displays information related to transactions such as guidance for operation guidance for customers or the results of transactions on the touch panel 5. In addition, the customer operation key input unit 15 accepts input to the touch panel 5 of information such as a password, a withdrawal amount or a deposit amount necessary for a transaction by a customer.

  The cash processing unit 16 authenticates, counts, conveys, and stores the deposited banknotes or deposited coins inserted from the banknote depositing / dispensing port 3 or the coin depositing / dispensing port 4 by the customer. Further, the banknotes or coins to be paid to the customer are fed out from a predetermined denomination storage and accumulated in the banknote deposit / withdrawal port 3 or the coin deposit / withdrawal port 4.

  The statement slip processing unit 17 as another information output unit performs a printing process on the statement slip for printing information relating to the transaction, and discharges the statement slip from the card insertion / ejection slot 1 at the end of the transaction. The journal processing unit 18 performs a recording process on a journal as a transaction record and stores it in the apparatus at the end of the transaction.

  The card processing unit 20 reads the information of the cash card 30 inserted by the customer from the card insertion / ejection slot 1, performs processing, and then ejects it to the card insertion / ejection slot 1. The card processing unit 20 has two magnetic reading means provided corresponding to the two magnetic stripes provided on the cash card 30. The first card reading unit 21 as a magnetic reading unit reads a JIS 1 / ISO side stripe provided on the back surface of the cash card 30 inserted by the customer. And the 2nd card reading part 22 as a magnetic reading means reads the JIS2 side stripe provided in the surface of the cash card 30 which the customer inserted.

The first stripe content determination means 11 checks the content of the JIS 1 / ISO-side stripe on the back of the card read by the first card reader 21 to determine an error, and holds the read information.
The second stripe content determination means 12 checks the content of the JIS 2-side stripe on the card surface read by the second card reader 22 to determine an error, and holds the read information.

  When the first stripe content determination unit 11 determines an error for the content of the JIS 1 / ISO side stripe on the back of the card, the error display instruction unit 13 displays an error confirmation screen to be described later on the customer operation screen display unit 14. The touch panel 5 is instructed to display.

  FIG. 3 is an external view of the cash card according to the first embodiment. The cash card | curd 30 as a transaction medium provided with the some magnetic stripe is shown. FIG. 3A shows the surface of the cash card 30, and a JIS 2-side stripe 32 is provided on the surface of the cash card 30. In the JIS 2-side stripe 32, a bank account number for domestic ordinary deposit is written in accordance with domestic standards. The JIS 2-side stripe 32 is read by the second card reading unit 22 of the card processing unit 20. The automatic transaction apparatus 100 performs transactions based on the magnetic information stored in the JIS 2-side stripe provided on the surface of the cash card 30 as described above.

  FIG. 3B shows the back side of the cash card 30, and a JIS 1 / ISO-side stripe 31 is provided on the back side of the cash card 30. In the JIS 1 / ISO stripe 31, information for overseas withdrawal according to international standards is written. In the present embodiment, the JIS 1 / ISO side stripe 31 is read by the first card reading unit 21 of the card processing unit 20.

Next, operation | movement of the automatic transaction apparatus 100 regarding 1st Embodiment is demonstrated. 4A and 4B are flowcharts showing the operation of the automatic transaction apparatus according to the first embodiment.
S101: The common control unit 10 instructs the proximity sensor 6 to monitor the approach of the customer to the automatic transaction apparatus 100.

S102: When the customer approaches, the common control unit 10 instructs the customer operation screen display unit 14 to display a transaction selection screen (not shown) on the touch panel 5.
S103: For example, when a withdrawal transaction is selected by the customer on the transaction selection screen, the common control unit 10 receives a withdrawal transaction selection signal from the customer operation key input unit 15. Then, the common control unit 10 instructs the customer operation screen display unit 14 to display on the touch panel 5 a card insertion screen (not shown) that prompts insertion of the cash card 30.

S104: When the cash card 30 is inserted by the customer, the common control unit 10 reads the JIS 2-side stripe 32 provided on the surface of the cash card 30 inserted by the customer with respect to the second card reading unit 22. Instruct.
S105: Furthermore, the common control unit 10 instructs the first card reading unit 21 to read the JIS 1 / ISO-side stripe 31 provided on the back surface of the cash card 30 inserted by the customer.

S106: Regarding the result of reading the JIS 2-side stripe 32 on the surface of the cash card 30 in step S104, the common control unit 10 instructs the second stripe content determination unit 12 to determine whether there is an error in the read content. To do. If it is an error (transaction is impossible), the process proceeds to step S107. If it is not an error (transaction is possible), the process proceeds to step S108.

S107: When the JIS 2-side stripe 32 is an error (transaction impossible), the transaction is interrupted, the common control unit 10 instructs the card processing unit 20 to return the cash card 30, and the customer operation screen display unit 14 is instructed to display on the touch panel 5 that the transaction is to be terminated, and the transaction is terminated. This is because the automatic transaction apparatus 100 performs a transaction based on the magnetic information stored in the JIS 2-side stripe 32.

S108: With respect to the result of reading the JIS 1 / ISO-side stripe 31 on the back side of the cash card 30 in step S105, the common control unit 10 determines whether or not there is an error in the read content with respect to the first stripe content determination unit 11. Instruct them to do so. If it is an error (content error), the process proceeds to step S109. If it is not an error (normal), the process proceeds to step S110.

S109: When there is an error in the read contents of the JIS 1 / ISO-side stripe 31 on the back side of the cash card 30, the common control unit 10 instructs the first stripe content determination means 11 to store error information. . The reason why the transaction is not interrupted is that the automatic transaction apparatus 100 does not perform the transaction based on the magnetic information stored in the JIS 1 / ISO-side stripe 31. At this time, the transaction is continued.

S110: When there is no error in the read contents of the JIS 1 / ISO side stripe 31 on the back side of the cash card 30, the common control unit 10 displays a password input screen (not shown) on the touch panel 5 on the customer operation screen display unit 14. Instruct to display. The customer inputs the password according to the password input screen.

S111: When the password is input by the customer, the common control unit 10 instructs the customer operation screen display unit 14 to display an unillustrated amount input screen or the like on the touch panel 5. The customer inputs the withdrawal amount according to the amount input screen.
S112: When transaction information such as a password and an amount is input by the customer, the common control unit 10 instructs the interface unit 19 to transmit the transaction information to the host computer 200. Thereafter, transaction transmission / reception with the host computer 200 is performed.

S113: The common control unit 10 checks the device storage unit 23 for the presence or absence of error information of the read contents of the JIS 1 / ISO-side stripe 31 on the back side of the cash card 30. When there is error information, the process proceeds to step S114, and when there is no error information, the process proceeds to step S115.

S114: When there is error information, the error display instruction means 13 of the common control unit 10 sends error information to the read contents of the JIS 1 / ISO-side stripe 31 on the back of the cash card 30 with respect to the customer operation screen display unit 14. The touch panel 5 is instructed to display a JIS1 error confirmation screen 35 indicating that there has been. The JIS1 error confirmation screen 35 may be displayed during transaction transmission / reception with the host computer 200 in step S112. Thereby, transaction time can be shortened.

  FIG. 5 is an explanatory diagram showing a JIS1 error confirmation screen relating to the first embodiment. The JIS1 error confirmation screen 35 is displayed on the touch panel 5 by the customer operation screen display unit 14. The JIS1 error confirmation screen 35 shows “Notification” and “Your card may not be able to be traded when used overseas. Please bring it to a branch near you”. A confirmation button 37 is displayed together with 36. When the customer operation key input unit 15 detects pressing of the confirmation button 37 by the customer, the customer operation key input unit 15 notifies the common control unit 10.

  Here, since it is assumed that the confirmation button 37 is not pressed by the customer, the common control unit 10 displays the JIS1 error confirmation screen 35 and displays the confirmation button 37 after a predetermined time (for example, 5 seconds). It is good also as continuing a subsequent transaction as what was pressed.

S115: The common control unit 10 instructs the journal processing unit 18 to acquire a journal.
S116: The common control unit 10 instructs the customer operation screen display unit 14 to display on the touch panel 5 a statement slip issue selection screen (not shown) for selecting whether or not a customer has issued a statement slip.

S117: Next, the common control unit 10 instructs the customer operation screen display unit 14 to display a card return screen (not shown) on the touch panel 5, and also instructs the card processing unit 20 to return the cash card 30. To do. When the customer selects the issuance of the statement slip in step S116, the common control unit 10 prints the statement slip to the statement slip processing unit 17, and simultaneously returns the cash card 30 from the card insertion / ejection slot 1. Instructs the statement slip to be discharged.
S118: Finally, the common control unit 10 instructs the cash processing unit 16 to discharge banknotes and coins from the banknote deposit / withdrawal port 3 and the coin deposit / withdrawal port 4.

  As described above, according to the first embodiment, customers who use credit cards or cash cards with JIS 1 / ISO stripes (back side) that can be used overseas with domestically issued JIS 2 cards (front side stripes) When making a transaction using ATM, if the content of the JIS 1 / ISO stripe (back side) used overseas is an error, it is possible to guide the possibility that the transaction cannot be made overseas. The guidance makes it possible to prompt the card renewal, and prevents the situation where the card cannot be used overseas in advance, thereby increasing the convenience of the customer.

(Modification 1 of the first embodiment)
In the first embodiment, when the content of the JIS 1 / ISO stripe (back side) is an error, the JIS 1 error confirmation screen 35 is displayed on the touch panel 5 by the customer operation screen display unit 14 as an information output unit. However, it is not limited to this. That is, the statement slip processing unit 17 as another information output unit can print on the statement slip and guide the customer.

  FIG. 6 is an explanatory diagram illustrating a print example of a statement slip relating to the first modification of the first embodiment. When there is error information in step S114, the common control unit 10 issues a statement slip to the customer of the statement slip processing unit 17 when the JIS 1 / ISO stripe 31 on the back side of the cash card 30 is issued. An instruction is given to print on the statement slip that there was error information in the read contents.

  In step S116, when the customer selects to issue the statement slip 40, the common control unit 10 instructs the statement slip processing unit 17 to issue the statement slip 40. On the statement slip 40, necessary items 41 such as date, store number, account number, transaction content, transaction amount and transaction balance are printed. In addition, “Notification” and “The card you used may not be able to be traded when used overseas. Please bring it to a branch near you” is printed. . This allows the customer to keep a record and can confirm the need for updates at any time.

(Modification 2 of the first embodiment)
FIG. 7 is an explanatory diagram showing a JIS1 error confirmation screen relating to the second modification of the first embodiment. In the first embodiment, when the content of the JIS 1 / ISO stripe (back side) is an error, the JIS 1 error confirmation screen 35 is displayed on the touch panel 5 as shown in FIG. 5, but the present invention is not limited to this. . That is, as shown in FIG. 7, in addition to the confirmation button 37, a “do not display” button 43 may be provided which means that display of the JIS1 error confirmation screen 35 is not desired thereafter.

  When the customer presses the “do not display” button 43, the common control unit 10 sends the cash card 30 used by the customer to the host computer 200 via the interface unit 9 in accordance with the JIS 1 / ISO stripe (back side). ) Is in error and the customer does not want to be notified. The host computer 200 stores this information in the database 201. In subsequent transactions, the automatic transaction apparatus 100 does not display the JIS1 error confirmation screen 35 because the customer knows that the customer does not desire this notification from the information received from the host computer 200 in step S112.

(Modification 3 of the first embodiment)
In the first embodiment, as shown in FIG. 3, the case where the JIS 2 side stripe (front surface) and the JIS 1 / ISO stripe (back surface) are provided on each of the front and back surfaces of the cash card 30 has been described. Not limited to. Both of the two magnetic stripes may be magnetic stripes provided on the surface of the cash card 30. FIG. 8 is an external view of a cash card according to the third modification of the first embodiment.

  As shown in FIG. 8, an A-type stripe 51 and a B-type stripe 52 are temporarily provided on the surface of the cash card 30. The A method stripe 51 and the B method stripe 52 are read by the first card reading unit 21 and the second card reading unit 22 of the card processing unit 20. It is assumed that the automatic transaction apparatus 100 performs a transaction based on data of one of the A-type stripes 51, for example. Although the transaction is not performed depending on the data of the B-type stripe 52, the present invention can be applied if the B-type stripe 52 is checked.

(Modification 4 of the first embodiment)
In the above embodiment, the magnetic reading means provided corresponding to the two magnetic stripes provided on the cash card 30 has been described. Specifically, the first card reading unit 21 and the second card reading unit 22 have been described as separate elements, but the present invention is not limited to this. In other words, the present invention can be applied even if the magnetic information is read by moving one common magnetic reading means to a reading position corresponding to two magnetic stripes.

(Modification 5 of the first embodiment)
In the above embodiment, when the content of the JIS 1 / ISO stripe (back surface) is an error, the error content is displayed on the customer operation screen display unit 14 for each transaction. However, the present invention is not limited to this. In other words, since it is troublesome for the customer to display the transaction every time, it may be displayed at a different frequency, for example, once a month or once every two to three times. .

(Modification 6 of the first embodiment)
In the above embodiment, when there is error information in step S114, the common control unit 10 issues a statement slip to the customer for the statement slip processing unit 17 on the back side of the cash card 30. Although it has been described that error information is included in the read contents of the JIS 1 / ISO-side stripe 31, the description slip is printed, but the present invention is not limited to this.

  That is, if there is error information in the read contents of the JIS 1 / ISO-side stripe 31, even if the customer does not select the issuance of the statement slip on the statement slip issuance selection screen (not shown) in step S116, it is compulsory. A statement slip may be issued. Or you may make it issue a statement slip compulsorily, without displaying the statement slip issue selection screen which is not illustrated of Step S116. This is to reliably notify the customer that there was error information in the read contents of the JIS 1 / ISO side stripe 31.

DESCRIPTION OF SYMBOLS 1 Card insertion discharge port 5 Touch panel 10 Common control part 11 1st stripe content determination means 12 2nd stripe content determination means 13 Error display instruction means 14 Customer operation screen display part 15 Customer operation key input part 20 Card processing part 21 1st 1 card reading unit 22 second card reading unit 30 cash card 31 JIS 1 / ISO side stripe 32 JIS 2 side stripe 36 guide 100 automatic transaction apparatus

Claims (10)

In an automatic transaction apparatus capable of accepting a transaction medium having a plurality of magnetic stripes and performing a transaction based on information stored in one magnetic stripe in the transaction medium,
A medium insertion outlet for inserting and discharging the transaction medium;
Magnetic reading means provided corresponding to the plurality of magnetic stripes for reading information stored in the magnetic stripe;
An information output unit that outputs information about transactions;
When the information cannot be read from the one magnetic stripe, the transaction is interrupted, and when the information cannot be read from the magnetic stripe other than the one, the transaction is continued, and from the magnetic stripe other than the one to the information output unit An automatic transaction apparatus comprising a control unit for controlling that information cannot be read.   2. The automatic transaction apparatus according to claim 1, wherein a plurality of the magnetic reading means are provided corresponding to the plurality of magnetic stripes.   The automatic transaction apparatus according to claim 1, wherein the information output unit is a display unit that displays information to a customer.   4. The automatic transaction according to claim 3, wherein the control unit displays on the display unit that information from the magnetic stripe other than the one could not be read during transaction transmission / reception with a host computer. apparatus.   3. The automatic transaction apparatus according to claim 1, wherein the information output unit is a statement processing unit that prints a result of a transaction for a customer.   6. The automatic transaction apparatus according to claim 5, wherein the control unit controls the statement slip processing unit to forcibly print that information from the magnetic stripe other than the one cannot be read.   4. The automatic display according to claim 3, wherein the display unit is provided with a "do not display after" button, which means that the display of information other than the magnetic stripe other than the one cannot be read. Trading device.   2. The automatic transaction apparatus according to claim 1, wherein the magnetic reading means is one magnetic reading means common to the plurality of magnetic stripes.   8. The one magnetic stripe is a magnetic stripe provided on a front surface of the transaction medium, and the magnetic stripe other than the one is a magnetic stripe provided on a back surface of the transaction medium. The automatic transaction apparatus as described in any one. 8. The automatic transaction apparatus according to claim 1, wherein both the one magnetic stripe and the other magnetic stripe are magnetic stripes provided on a surface of the transaction medium.

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