JP2018169983A - Automatic transaction machine, automatic transaction system and automatic transaction program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an automatic transaction machine, an automatic transaction system and an automatic transaction program that make it possible to restore the data of magnet stripe, and sustain the safety of transaction while assuring the convenience of a user.SOLUTION: The automatic transaction machine comprises: a medium processing unit that reads medium information including identification information that is capable of specifying a transaction medium having the magnet stripe or the like; an authentication information holding unit that associates the identification information with authentication information that corresponds to transaction medium; an authentication information input unit that accepts the authentication information from a user; an authentication determination unit that determines whether or not record authentication information based on the identification information read from a transaction medium and the input authentication determination accepted by the authentication information input unit correspond to each other; a restore propriety determination unit that determines whether the restore of the magnet stripe is possible on the basis of the medium information; and a confirmation code input indication unit that instructs a user to input a confirmation code that the user is required to input when it is determined that the restore is possible in the restore propriety determination, and when it is determined to correspond in the authentication determination.SELECTED DRAWING: Figure 1

Description

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

  So-called automatic transaction devices such as automated teller machines (ATMs) and cash dispensers (CDs) of financial institutions such as banks read information from a medium that records information necessary for transactions. Various transaction processing.

  Among such media, transaction cards such as cash cards and credit cards often have magnetic stripes on which information related to transactions is recorded. When the magnetic stripe is demagnetized and data cannot be read, there arises a disadvantage that it becomes impossible to perform a transaction based on the magnetic stripe data by the automatic transaction apparatus. In such a case, it is necessary to restore the data so that it can be read again.

  For example, Patent Document 1 discloses an automatic transaction apparatus having rewriting means for rewriting information on a magnetic recording medium based on information recorded on an IC chip for a transaction card including a magnetic recording medium and an IC chip.

Japanese Patent No. 5771082

  In the transaction apparatus as described above, in order to restore the magnetic stripe, it may be necessary to take action by a specific attendant. In such a case, for example, it has been one of the problems that it cannot be handled depending on the time zone such as outside the business hours of the financial institution or depending on the installation location of the transaction apparatus such as outside the financial institution store.

  In addition, in the case where automatic restoration by an automatic transaction device is attempted instead of the response by the specific attendant, the security (security) of transactions such as identity verification is maintained, and the card is not subject to restoration. The problem was that it was necessary to exclude.

  The present invention has been made in view of the above points, an automatic transaction apparatus that enables restoration of magnetic stripe data while ensuring convenience for the user and maintaining safety of the transaction, An object is to provide an automatic transaction system and an automatic transaction program.

  An automatic transaction apparatus of the present invention corresponds to a medium processing unit that reads medium information including identification information that can identify the one transaction medium from one transaction medium having a magnetic stripe and an IC chip, and the first transaction medium. An authentication information holding unit for holding authentication information as recorded authentication information in association with the identification information, an authentication information input unit for receiving authentication information for the first transaction medium from a user as input authentication information, and the first transaction medium. Based on the read identification information, the record authentication information corresponding to the one transaction medium is specified, the record authentication information corresponding to the one transaction medium, and the input authentication information received by the authentication information input unit And an authentication determination unit that performs an authentication determination as to whether or not they match, and whether or not the magnetic stripe of the one transaction medium can be restored based on the medium information A restoration availability determination unit that performs restoration availability determination that is a determination of whether or not the magnetic stripe is restored when it is determined in the authentication determination that the magnetic stripe can be restored in the restoration determination. And a confirmation code input instructing unit for instructing the user to input a confirmation code that needs to be input by the user when restoration is executed.

  The automatic transaction apparatus according to the present invention includes a confirmation code holding unit that holds the confirmation code as a recording confirmation code in association with the first transaction medium, and a confirmation code for the first transaction medium from the user as an input confirmation code. A confirmation code input unit to be received, an input confirmation code received from the user by the confirmation code input unit as a confirmation code corresponding to the one transaction medium, and the recording confirmation code held in association with the one transaction medium; , And a confirmation code determination unit that performs a determination of whether or not they match, and the medium processing unit acquires based on the medium information when it is determined that they match in the confirmation code determination Writing the written data to the magnetic stripe of the one transaction medium to restore the magnetic stripe. .

  The automatic transaction system of the present invention is an automatic transaction system including an automatic transaction apparatus and a host computer that is communicably connected to the automatic transaction apparatus, wherein the automatic transaction apparatus includes a magnetic stripe and an IC chip. A medium processing unit that reads medium information including identification information that can identify the one transaction medium from one transaction medium, and an authentication information input unit that receives authentication information for the first transaction medium from a user as input authentication information; And the host computer reads authentication information corresponding to the first transaction medium as recorded authentication information in association with the identification information, and read from the first transaction medium. Based on the identification information, the record authentication information corresponding to the one transaction medium is specified, the record authentication information corresponding to the one transaction medium, and the authentication An authentication determination unit that performs an authentication determination that determines whether or not the input authentication information received by the information input unit matches, and the magnetic stripe of the one transaction medium can be restored based on the medium information The restoration determination unit for performing restoration judgment that is judgment of whether or not restoration is performed, and the restoration of the magnetic stripe is executed when it is judged that the authentication judgment coincides with the restoration judgment and it is judged that the target medium corresponds to the target judgment And a confirmation code input instructing unit for instructing the user of the first transaction medium to input a confirmation code that needs to be input by the user.

  The automatic transaction program of the present invention corresponds to a medium processing unit that reads medium information including identification information that can identify the one transaction medium from one transaction medium having a magnetic stripe and an IC chip, and the first transaction medium. An automatic transaction having an authentication information holding unit that holds authentication information as recorded authentication information in association with the identification information, and an authentication information input unit that accepts authentication information for the first transaction medium from the user as input authentication information A program to be executed by a system, wherein an authentication determination unit specifies record authentication information corresponding to the first transaction medium based on the identification information read from the first transaction medium, and the first transaction medium Authentication authentication process for performing authentication determination, which is a determination as to whether or not the recorded authentication information corresponding to the authentication authentication input unit and the input authentication information received by the authentication information input unit match. An object determination step for determining whether the restoration is possible based on whether the first transaction medium is a medium that can be restored to the magnetic stripe based on the medium information; and a confirmation code When the input instruction unit is determined to match in the authentication determination, and the target determination determines that the restoration of the magnetic stripe is possible, the input is performed by the user when the restoration of the magnetic stripe is executed. And a confirmation code input instruction step for instructing the user of the first transaction medium to input the confirmation code.

It is a block diagram which shows the structure of ATM of Example 1, and the system containing ATM. It is a perspective view which shows the external appearance of ATM. It is a figure which shows an example of the aspect of a transaction card. It is a figure which shows an example of the restoration object card | curd table. It is a figure which shows an example of the restoration object card | curd table. It is a flowchart which shows the example of the transaction control routine of Example 1. FIG. It is a flowchart which shows the example of the transaction control routine of Example 1. FIG. It is a figure which shows the example of the display in the display of ATM. It is a figure which shows the example of the display in the display of ATM. It is a figure which shows the example of the display in the display of ATM. 5 is a flowchart illustrating an example of a restoration inquiry control routine according to the first embodiment. 3 is a flowchart illustrating an example of a control routine by a host computer in the first embodiment. 3 is a flowchart illustrating an example of a restoration control routine according to the first embodiment. 4 is a flowchart illustrating an example of a card magnetic restoration routine according to the first embodiment. 3 is a flowchart illustrating an example of a control routine by a host computer in the first embodiment. It is a block diagram which shows the structure of ATM of Example 2, and the system containing ATM.

  The configuration of the automatic transaction apparatus and the automatic transaction system according to the first embodiment of the present invention will be described with reference to FIGS. FIG. 1 shows a configuration of an automatic transaction system 200 including an ATM (Automated Teller Machine) 100 as an automatic transaction apparatus according to the first embodiment. The ATM 100 is installed at each branch of a financial institution, for example, and is connected to a host computer (hereinafter also simply referred to as a host) HC of the financial institution via a network NW.

  As shown in FIG. 2, the ATM 100 has a prismatic casing. The top surface X of the housing is provided with a user interface unit 14, a bill slot 16 and a coin slot 17. Moreover, the said housing | casing has the protrusion part Y which protruded from the one side of the said top surface. The protruding portion Y is provided with a passbook insertion / discharge port 19 and a card insertion / discharge port 21. Of the side surfaces of the housing, the side on which the protruding portion Y is provided is the back side, and the side on which the user interface unit 14 is provided on the back side is the front side. A trader using the ATM 100 (hereinafter also referred to as a user or a user) can perform operations such as input from the user interface unit 14 and card insertion by standing on the front side of the ATM 100.

  FIG. 3 is a diagram illustrating an example of a transaction card C as a transaction medium inserted into the ATM 100 when a transaction using the ATM 100 is performed. As shown in FIG. 3, a magnetic stripe (hereinafter also referred to as MS) C <b> 1 is provided on the back surface of the transaction card C. Further, an IC (Integrated Circuit) chip C2 is provided on the surface of the transaction card C.

  In the magnetic stripe C1, for example, in addition to customer information regarding the transaction card C and information regarding the financial institution, information such as a code (also referred to as an validity code) indicating whether or not the transaction card C is provided with an IC chip is provided. It is remembered.

  In the IC chip C2, medium information including identification information that can identify the transaction card C is stored. The identification information is a card number unique to the transaction card C, for example, and can identify the transaction card C. Further, the medium information may include information common to information stored in the magnetic stripe C1.

  The medium information may include authentication information for verifying the identity of the trader in addition to the identification information. The authentication information is, for example, a password.

  Refer to FIG. 1 again. The operation of the ATM 100 is controlled by the control unit 11. The control unit 11 is a CPU (Central Processing Unit), for example, and performs arithmetic processing. The control unit 11 controls each unit, for example, reading control of a transaction card related to a transaction performed by a transaction operator operating the ATM 100 or execution of the transaction.

  The communication unit 12 is a network adapter such as a NIC (Network Interface Card) for performing communication such as data transmission / reception with the outside in accordance with an instruction from the control unit 11. The communication unit 12 performs communication with an external device such as a host computer HC that occurs in transaction control, for example.

  The storage unit 13 is a storage device such as a hard disk, a flash memory, an SSD (Solid State Drive), or a RAM (Random Access Memory) that appropriately stores data necessary for processing of the control unit 11 and data generated in the processing.

  The user interface unit 14 is provided on the front surface of the ATM 100 as shown in FIG. The user interface unit 14 includes a display 14A as a display unit, and a touch pad 14B as an input unit that covers the display surface of the display 14A.

  Based on the operation display signal supplied from the control unit 11, the display 14 </ b> A is a transaction screen including various operation screens or messages (a transaction selection screen on which the transaction type can be selected, and an input of transaction details). It includes a display (for example, a liquid crystal display device) that displays a transaction content reception screen.

  When the user touches an area corresponding to the content displayed on the display 14A, the touch pad 14B supplies an operation signal corresponding to the displayed content to the control unit 11, for example, a pressure-sensitive or electrostatic touch. It is a pad.

  The cash deposit / withdrawal mechanism 15 opens / closes the shutters of the bill slot 16 and the coin slot 17 provided on the front surface of the ATM 100 in response to an opening / closing control instruction from the control unit 11. In addition, the cash deposit / withdrawal mechanism 15 responds to a cash withdrawal instruction from the control unit 11 from a cash hangar (not shown) in which banknotes or coins are stored, and a banknote corresponding to the amount indicated by the cash withdrawal instruction. Alternatively, the coins are taken out and led out to the bill inlet / outlet 16 and the coin inlet / outlet 17, respectively. Furthermore, the cash depositing / dispensing mechanism 15 takes in the banknotes or coins inserted by the user into the banknote slot 16 or the coin slot 17, and stores them in the cash storage.

  As shown in FIG. 2, the bankbook entry machine 18 takes in a customer's bankbook when it is inserted into a bankbook insertion outlet 19 provided on the front surface of the ATM 100. At this time, the bankbook entry machine 18 writes the transaction content of the transaction result indicated by the control unit 11 and the execution date and time of the transaction in the customer's bankbook. When the writing is completed, the passbook bookkeeping machine 18 discharges the customer's passbook from the passbook insertion / exit port 19.

  When the customer's transaction card is inserted into the card insertion / extraction port 21 provided on the front surface of the ATM 100 shown in FIG. 2, the card reading / printing machine 20 as the medium processing unit takes in the transaction card and holds the transaction card. Read information. This reading is performed by reading an emboss, a magnetic stripe (MS) or an IC chip that the transaction card has.

  The card reader / printer 20 has an MS read / write unit 20A that reads data from a magnetic stripe and writes data to the magnetic stripe. The card reader / printer 20 has an IC reading / writing unit 20B that reads data from the IC chip and writes data to the IC chip. The card reading printer 20 supplies the information read from the transaction card to the control unit 11.

  In addition, when a card discharge signal is supplied from the control unit 11, the card reader / printer 20 discharges the taken transaction card from the card insertion / discharge port 21. Further, the card reading printer 20 prints the transaction result represented by the transaction statement print signal on the statement slip sheet according to the transaction statement print signal supplied from the control unit 11. The statement slip is sent out from the card insertion outlet 21 together with the transaction card.

  The journal processing unit 22 records information on the history in the ATM 100 such as the history of transactions with each customer or the history of procedures in the journal.

  The imaging unit 23 is an imaging device such as a camera, and can acquire an image of the transaction card C taken from the card insertion / ejection port 21. In addition, the imaging unit 23 can supply imaging data that is information of the acquired image to the control unit 11.

  As described above, the host computer HC is connected to the ATM 100. The host computer HC is controlled by the control unit H11, and transmits / receives information necessary for the transaction to / from the ATM 100, thereby verifying authentication information such as a personal identification number and determining whether to permit the transaction.

  The communication unit H12 of the host computer HC is a network adapter such as a NIC (Network Interface Card) for performing communication such as data transmission / reception in accordance with an instruction from the control unit H11. The communication unit H12 performs communication with an external device such as the ATM 100, for example.

  The storage unit H13 of the host computer HC stores storage devices such as a hard disk, a flash memory, an SSD (Solid State Drive), and a RAM (Random Access Memory) that appropriately store data necessary for the processing of the control unit H11 and data generated in the processing. It is. The storage unit H13 has a customer information database (customer information DB) in which customer information including identification information such as a customer account number and authentication information such as a password is recorded.

  For example, the identification information of the transaction card C is recorded in the customer information DB in association with the customer information corresponding to the transaction card C. Therefore, the identification information is data necessary for specifying the customer information corresponding to the transaction card C from the customer information in the customer information DB.

  For example, the authentication information of transaction card C is stored in the customer information DB as recorded authentication information in association with the customer information of transaction card C. The customer information DB functions as an authentication information holding unit.

  In addition, the storage unit H13 has a restoration target card table that is information relating to the specifications of a card that can write data to the magnetic stripe of the transaction card.

  The control unit H11 has a restoration possibility determination unit H11A. The restoration permission / inhibition determining unit H11A makes a determination regarding rewriting of data to the magnetic stripe, that is, restoration, for the transaction card inserted into the ATM 100 according to a predetermined standard. For example, the restoration possibility determination unit H11A determines whether the authentication information is valid or not, that is, stored in advance in the customer information DB in the identity verification performed using a personal identification number or identification for the trader to be restored. Authentication determination is performed as to whether or not the authentication information present matches the authentication information presented by the trader.

  In addition, the restoration availability determination unit H11A performs restoration availability determination, which is a determination as to whether restoration is possible for a transaction card for which restoration of a magnetic stripe is requested. For example, the restoration possibility determination unit H11A determines whether restoration is possible based on whether or not the card corresponds to a restoration target card to be restored.

  Further, the restoration possibility determination unit H11A determines that the authentication information matches in the authentication determination, and adds a confirmation code when it is determined in the restoration possibility determination that restoration is possible. The confirmation code is, for example, a code made up of numbers and the like that need to be input by the trader (user) when the restoration of the magnetic stripe is executed.

  The confirmation code may be a confirmation number made up of numbers. The confirmation code may include characters, symbols, and the like in addition to the numbers or instead of the numbers. Further, the confirmation code may be invalidated according to a predetermined condition. For example, the confirmation code may be invalidated after a certain period of time. Further, the confirmation code may be invalidated when it is input a predetermined number of times or when the authentication is successful a predetermined number of times. The confirmation code may be generated as appropriate, or may be a fixed code that has already been generated. The confirmation code may be the same as the authentication information, for example.

  For example, the restoration availability determination unit H11A generates a confirmation number. In this case, the restoration possibility determination unit H11A functions as a confirmation code generation unit. In addition, the restoration possibility determination unit H11A presents the generated confirmation number to the user. In this case, the restoration possibility determination unit H11A functions as a confirmation code presenting unit. In this case, the confirmation code is given by being generated and presented.

  The restoration possibility determination unit H11A may present the confirmation code to the trader, for example, by displaying the generated confirmation code on the display 14A or by printing it on a statement slip and discharging it. Further, the restoration possibility determination unit H11A may present the confirmation code to the user by a transmission method using, for example, a communication device. For example, the confirmation code may be presented to the user by transmitting the confirmation code to a communication device such as a mobile phone, a smartphone, or a wearable device.

  Further, the confirmation number may be notified to the user by sending a document to the registered address of the user. At that time, the restoration possibility determination unit H11A may generate data for creating a document for sending. In addition, the restoration possibility determination unit H11A may be able to generate document data for sending and contact the delivery company regarding the sending of the document.

  In addition, when it is determined that restoration is possible in the restoration permission determination, the restoration permission determination unit H11A does not display the confirmation code (authentication information) on the display 14A, and inputs the confirmation code (authentication information) to the user. An instructing message may be displayed on the display 14A. In this case, the restoration possibility determination unit H11A functions as a confirmation code input instruction unit.

  The storage unit H13 has a restoration target card table HTB. The restoration target card table HTB is data serving as a reference for determining whether or not rewriting of data to the magnetic stripe of the transaction card, that is, restoration of the magnetic stripe is possible. The restoration target card table HTB includes a target card identifier indicating that the specification of the transaction card can be restored. The medium information of the transaction card includes a card specification identifier. When the card specification identifier of the transaction card matches the target card identifier, the transaction card becomes a target for restoration and can be restored.

  For example, as shown in FIG. 4, the restoration target card table HTB has, in order from the left, a “reference number” column, a “target card identifier” column, and “magnetic stripe restoration” indicating whether or not magnetic stripe restoration is possible. A configuration in which the column of is provided may be used.

  Further, as shown in FIG. 5, the restoration target card table HTB issues a “card type” column and a card in addition to a “card specification identifier” column and a “magnetic stripe restoration” column for identifying card specifications. Information relating to the card specifications may be included, such as an “Issuance source” column indicating the institution that has the credit card and a “Credit” column indicating the presence or absence of the credit function. For example, among the identifiers in the “card specification identifier” column, those indicated as “permitted” for restoration may be used as the target card identifier.

  In FIG. 5, for example, in the case of ATM 100 installed in a bank, when the issuer of the transaction card is the bank and the transaction card does not have a credit function, the magnetic stripe can be restored. The case is shown. Therefore, when the issuer of the transaction card is another bank or the transaction card has a credit function, it is impossible to restore the magnetic stripe, that is, it is not subject to restoration.

  For example, in the restoration possibility determination unit H11A, the identifier recorded in the transaction card C and indicating the specification of the transaction card C matches one of the identifiers indicated as being recoverable among the identifiers included in the restoration target card table HTB. Whether or not restoration can be performed may be determined depending on whether or not it is.

  6 and 7 are flowcharts showing a transaction control routine R1 executed by the ATM 100. For example, when the power is turned on, the control unit 11 executes a transaction control routine R1. Note that a human sensor or the like may be provided in the ATM 100 so that the transaction control routine is executed when it is detected that the customer has approached the ATM 100.

  As shown in FIG. 6, in step S1, the control unit 11 displays a transaction type selection screen (also referred to as a reception guidance screen or a reception screen) on the display 14A. The transaction type selection screen displayed in step S1 is a display that prompts the trader to select and input the desired transaction, and includes, for example, display of selection buttons such as “deposit” and “withdrawal”. .

  After executing Step S1, the control unit 11 determines whether or not a transaction type selection input using the touch pad 14B has been performed by the trader (Step S2). If it determines with the transaction type not being input in step S2 (step S2: NO), the control part 11 will continue the display of a transaction type selection screen on the display 14A, and will perform step S2 again after that.

  If it determines with the transaction classification having been input in step S2 (step S2: YES), the control part 11 will display on the display 14A the card insertion request | requirement screen which prompts a trader to insert a transaction card (step S3).

  After executing step S3, the control unit 11 determines whether or not the transaction card reader / printer 20 can read the magnetic stripe (step S4). In step S4, the control unit 11 functions as a magnetic reading determination unit.

  In step S4, the control unit 11 determines that the magnetic stripe can be read, for example, when the magnetic stripe reading operation is performed by the MS reading / writing unit and some data is supplied to the control unit 11. May be. The control unit 11 may determine that the data can be read normally when data of a predetermined item is included, and may determine that the magnetic stripe can be read in this case.

  When it is determined in step S4 that the magnetic stripe has been read normally (step S4: YES), the controller 11 executes the transaction selected in step S1 (step S5), and then ends the transaction control routine. To do.

  If it is determined in step S4 that the magnetic stripe is not read normally (step S4: NO), the controller 11 determines whether or not an IC chip is provided on the transaction card (step S6). ). In step S6, for example, an image of the front or back surface of the transaction card is acquired by a camera (not shown) provided in the imaging unit 23 as a medium imaging unit, and whether or not an IC chip is provided by image analysis is determined. Determined. In step S6, the control unit 11 functions as an IC presence / absence determination unit.

  In the case of a contact type IC chip, in order for the IC read / write unit 20B to read / write data from / to the IC chip, the IC read / write unit 20B needs to contact the IC chip ( For example, the IC reading / writing unit 20B does not need to contact a transaction card without an IC chip, and the risk of failure due to the contact can be reduced. Whether or not the IC chip is provided may be determined by the IC reading / writing unit 20B trying communication with the IC chip. In this case, for example, the presence or absence of the IC chip is determined. Camera and image analysis processing can be omitted.

  If it is determined in step S6 that an IC chip is provided (step S6: YES), the control unit 11 causes the IC reading / writing unit 20B to read medium information from the IC chip (step S7).

  After executing step S7, the control unit 11 causes the display 14 to display a screen that prompts the trader to input a personal identification number (step S8). After executing step S8, the controller 11 determines whether or not a password has been input via the touch pad 14B (step S9). In step S8, the touch pad 14B functions as an authentication information input unit.

  When it is determined that the personal identification number has been input in step S9 (step S9: YES), the control unit 11 causes the display 14A to display a screen requesting selection of a restoration inquiry (step S10). For example, as shown in FIG. 8A, the display in step S10 includes buttons for prompting selection such as “inquire” and “not inquire”. In addition, the display requires a “confirmation number” as a confirmation code when restoring the magnetic stripe, and the “confirmation number” is a display including a text message indicating that it can be obtained by a restoration inquiry. Also good.

  If it is determined in step S6 that no IC chip is provided (step S6: NO), the controller 11 displays that the magnetic stripe cannot be restored (step S11), and terminates processing such as card ejection. Perform (step S12), and end the transaction control routine.

  After executing step S10, the control unit 11 determines whether or not “inquire” is selected in step S10 (step S13). If it determines with "inquiry" being selected in step S13 (step S13: YES), the control part 11 will perform a restoration inquiry routine (step S14). In step S14, a confirmation number is given when the trader is valid and the transaction card is the target. In step S14, the control unit 11 transmits and receives a message such as a restoration inquiry message to and from the host computer HC.

  The control part 11 determines whether the confirmation number was provided after execution of step S14 (step S15). In step S15, for example, the control unit 11 determines whether or not the “confirmation number” is included in the message received from the host HC in step S14.

  If it determines with the confirmation number having been provided in step S15 (step S15: YES), the control part 11 will show the said confirmation number (step S16). In step 16, the control unit 11 displays a confirmation number on the display 14A as shown in FIG. 8B, for example. Further, in addition to or instead of the display of the confirmation number, the control unit 11 may cause the card reader / printer 20 to print the statement slip printed with the confirmation number and discharge it from the card insertion / discharge port 21. good. In step S16, the control unit 11 functions as a confirmation code presenting unit.

  Further, in step S16, the control unit 11 may display a guidance explaining the procedure for restoring the magnetic stripe simultaneously with the display of the confirmation number or before or after the display (FIG. 8B). . After executing step S16, the control unit 11 executes end processing such as card and statement slip discharge (step S12), and ends the transaction control routine.

  In step S16, the confirmation code (authentication information) may not be displayed on the display 14A, but a message instructing the user to input the confirmation code (authentication information) may be displayed on the display 14A. In this case, the control unit 11 functions as a confirmation code input instruction unit.

  When it is determined that “inquire” is not selected in step S13 (step S13: NO), and the control unit 11 determines that a confirmation number is not given in step S15 (step S15: NO), A display indicating that the magnetic stripe cannot be restored is displayed (step S11), and after the termination process such as card ejection (step S12), the transaction control routine is terminated.

  With reference to FIG. 9, the restoration inquiry routine R2 by the ATM 100 performed in step S14 of FIG. 7 will be described. When starting the restoration inquiry routine R2, the control unit 11 generates a restoration inquiry message (step S21). The restoration inquiry message includes a message requesting an object determination as a restoration permission judgment, which is an authentication judgment regarding the validity of the trader and a judgment as to whether restoration is possible or not for the inserted transaction card. It is.

  The restoration inquiry message includes medium information and a personal identification number (that is, input authentication information) input by the trader as information necessary for authentication determination and object determination. In addition, the restoration inquiry message includes a message requesting that a “confirmation number” be given when the transaction is determined to be valid by the authentication determination and the recovery determination card is determined to be the restoration target card. Including.

  After executing step S21, the control unit 11 transmits the generated restoration inquiry message to the host computer HC (step S22).

  After executing step S22, the control unit 11 waits for a predetermined time, and then determines whether or not an inquiry result message that is a response message from the host computer HC corresponding to the restoration inquiry message has been received (step S23). If it is determined in step S23 that the inquiry result message has not been received (step S23: NO), the control unit 11 waits for a predetermined time and then repeats step S23 again to determine whether or not the inquiry result message has been received. Determine again.

  When it is determined in step S23 that the inquiry result message has been received (step S23: YES), the control unit 11 ends the restoration inquiry routine R2.

  FIG. 10 shows a restoration inquiry routine (host) R3 when the restoration possibility determination unit H11A of the host HC receives the restoration inquiry message from the ATM 100 and transmits the inquiry result message to the ATM 100.

  When the restoration inquiry routine (host) is started, the restoration availability determination unit H11A determines whether a restoration inquiry message has been received (step S31). When it is determined in step S31 that the restoration inquiry message has not been received (step S31: NO), the restoration possibility determination unit H11A ends this routine.

  When it is determined in step S31 that the restoration inquiry message has been received (step S31: YES), the restoration availability determination unit H11A extracts data necessary for this routine from the data included in the restoration inquiry message (step S31: YES). Step S32). In step S32, the restoration possibility determination unit H11A, for example, the identification information included in the medium information read from the IC chip, the personal identification number input by the trader via the touch pad 14B, and the transaction card according to this routine A card specification identifier indicating the specification is extracted from the restoration inquiry message.

  After the execution of step S32, the restoration possibility determination unit H11A as the authentication determination unit determines whether or not the extracted personal identification number, that is, the personal identification number input by the trader is valid (step S33).

  In step S33, the restoration possibility determination unit H11A specifies customer information corresponding to the transaction card based on the extracted identification information, and is stored (recorded) in advance in the customer information DB corresponding to the identification information. The personal identification number is compared with the inputted personal identification number to determine whether or not they match. When it is determined that the restoration result determination unit H11A matches as a result of the comparison, the restoration possibility determination unit H11A determines that the personal identification number input by the trader is valid.

  When it is determined in step S33 that the password is not valid (step S33: NO), the restoration permission / inhibition determining unit H11A generates a message indicating that the confirmation number cannot be given (step S34).

  When it is determined in step S33 that the password is valid (step S33: YES), the restoration permission / inhibition determining unit H11A refers to the restoration target card table HTB (step S35). In step S35, the restoration possibility determination unit H11A reads data from the restoration target card table HTB stored in the storage unit H13.

  After the execution of step S35, the restoration possibility determination unit H11A determines whether or not the transaction card inserted into the ATM 100 corresponds to a target transaction card as a predetermined target medium (step S36).

  When it is determined in step S36 that the restoration permission / inhibition determining unit H11A corresponds to the target transaction card (step S36: YES), the restoration permission determination unit H11A generates a confirmation number corresponding to the determined transaction card, that is, the inserted transaction card. Store in the storage unit H13 (step S37). In step S37, the storage unit H13 functions as a confirmation code holding unit. In step S37, the restoration possibility determination unit H11A generates a message including the generated confirmation number. In step S37, the restoration possibility determination unit H11A functions as a confirmation code generation unit.

  After step S34 or step S37 is executed, the restoration possibility determination unit H11A generates a query result message and transmits it to the host HC (step S38). In step S38, the restoration possibility determination unit H11A transmits, as an inquiry result message, a message including the confirmation number generated in step S37 or the message generated in step S34 indicating that restoration cannot be performed. The restoration possibility determination unit H11A ends the restoration inquiry routine (host) R3 after executing step S38.

  The restoration control routine R4 executed by the ATM 100 will be described with reference to FIG. In step S41, the control unit 11 displays a transaction type selection screen on the display 14A. The transaction type selection screen displayed in step S41 is a display that prompts the trader to select a desired transaction or procedure. For example, in addition to the display of selection buttons such as “deposit” and “withdrawal”, For example, as shown in FIG. 8C, a display of a selection button of “card restoration” for proceeding to a procedure for restoring the magnetic stripe is included.

  After executing step S41, the control unit 11 determines whether or not the transaction type has been selected by the transaction person using the touch pad 14B (step S42). The control unit 11 determines that the transaction type has been selected in step S42 (step S42: YES), and thus proceeds in the same manner as the transaction control routine R1, and thus the description thereof is omitted.

  In step S42, the control unit 11 determines that the transaction type is not selected (step S42: NO), and determines whether the item “card restoration” is selected (step S43).

  If the controller 11 determines in step S43 that the item “card restoration” has been selected (step S43: YES), it displays a card insertion request screen (step S44) and executes a card magnetic restoration routine (step S45). ).

  If the control unit 11 determines in step S43 that the item “card restoration” is not selected (step S43: NO), the control unit 11 returns to the beginning of this routine.

  After executing step S45, the controller 11 determines whether or not the restoration of card magnetism has been completed (step S46). In step S46, the control unit 11 causes the MS read / write unit 20A to read the magnetic stripe, and determines whether or not the restoration of the card magnetism is completed depending on whether or not data has been normally read from the magnetic stripe. May be.

  When it is determined in step S46 that the restoration of the card magnetism has been completed (step S46: YES), the controller 11 determines whether or not to start a transaction (step S47). In step S47, for example, the control unit 11 may display a transaction type selection screen and determine whether or not to start the transaction depending on whether or not the transaction type is selected by the trader. When determining that the transaction is not started in step S47 (step S47: NO), the control unit 11 executes an end process (step S12) and ends the restoration control routine R4.

  If it determines with starting the transaction in step S47 (step S47: YES), the control part 11 will perform a transaction process (step S48), and will perform completion | finish processes, such as discharge | emission of a statement slip and a card | curd (step S12). Then, the restoration control routine R4 is terminated.

  If the controller 11 determines in step S46 that the restoration of the card magnetism has not ended (step S46: NO), the control unit 11 displays that the transaction is not possible (step S49), and passes through an end process (step S12). The restoration control routine R4 is terminated.

  The card magnetic restoration routine R5 executed by the ATM 100 in the restoration control routine R4 will be described with reference to FIG. When the card magnetic restoration routine is started, the control unit 11 determines whether or not data can be normally read from the magnetic stripe of the card inserted in the ATM 100 (step S51). When it is determined in step S51 that the data can be normally read from the magnetic stripe (step S51: YES), the control unit 11 ends the card magnetic restoration routine.

  If the controller 11 determines in step S51 that data cannot be normally read from the magnetic stripe (step S51: NO), the controller 11 reads the medium information from the IC chip (step S52), and inputs a confirmation number. Confirmation number input request display for requesting the trader is performed (step S53). In step S53, the control unit 11 functions as a confirmation code input instruction unit. In step S53, the user interface unit 14 functions as a confirmation code input unit.

  After executing step S53, the controller 11 determines whether a confirmation number has been input (step S54). If it is determined in step S54 that the confirmation number has not been input (step S54: NO), the control unit 11 continues to display the confirmation number input request, waits for a predetermined time, and then executes step S54 again.

  If it determines with the confirmation number having been input in step S54 (step S54: YES), the control part 11 will transmit a restoration transaction message to the host HC (step S55). In step S55, the control unit 11 transmits, as a restoration transaction message, a message that includes the medium information, the code number, and the confirmation number, and requests a restoration determination result and data that should be written to the magnetic stripe before restoration.

  After executing step S55, the control unit 11 waits for a predetermined time, and then determines whether or not a restored transaction result message that is a response message from the host HC corresponding to the restored transaction message has been received (step S56). When it is determined in step S56 that the restoration transaction result message has not been received (step S56: NO), the control unit 11 waits for a predetermined time and then repeats step S56 again to receive the restoration transaction result message. It is determined again whether or not.

  When determining in step S56 that the restoration transaction result message has been received (step S56: YES), the control unit 11 determines whether restoration of the magnetic stripe is permitted based on the received restoration transaction result message. (Step S57). If the controller 11 determines in step 57 that the restoration of the magnetic stripe is not permitted (step S57: NO), the card magnetic restoration routine is terminated.

  If the controller 11 determines in step 57 that the restoration of the magnetic stripe is permitted (step S57: YES), the magnetic stripe included in the restoration transaction result message is included in the magnetic stripe of the transaction card inserted in the ATM 100. The MS reading / writing unit 20A is caused to write the data to be written to (step S58). After executing step S58, the control unit 11 ends the card magnetic restoration routine.

  FIG. 13 shows a card magnetic restoration routine (host) R6 when the host computer HC receives a restoration transaction message from the ATM 100 and transmits a restoration transaction result message to the ATM 100. When the card magnetic restoration routine (host) is started, the restoration possibility determination unit H11A of the host HC determines whether a restoration transaction message has been received (step S71). When it is determined in step S71 that the restoration transaction message has not been received (step S71: NO), the restoration possibility determination unit H11A ends this routine.

  When it is determined in step S71 that the restoration transaction message has been received (step S71: YES), the restoration possibility determination unit H11A confirms the confirmation number included in the restoration transaction message, that is, the input confirmation code input to the ATM 100 by the trader. It is determined whether or not the input confirmation number is valid (step S72). In step S72, the restoration possibility determination unit H11A functions as a confirmation code determination unit.

  In step S72, the restoration possibility determination unit H11A accesses the customer information DB stored in the storage unit H13, and identifies customer information corresponding to the transaction card based on the medium information included in the restoration message. Then, the restoration possibility determination unit H11A compares the confirmation number stored in advance in association with the customer information in the storage unit H13 with the input confirmation number, and determines whether or not they match. A confirmation number determination as a certain confirmation code determination is executed. The confirmation number determination is a determination as to whether or not the input confirmation number is valid.

  When it is determined in step S72 that they do not match, that is, they are not valid, the restoration permission / inhibition determination unit H11A generates a message indicating that restoration cannot be performed (step S73).

  In step S72, the restoration permission / inhibition determination unit H11A permits the execution of restoration when it is determined that they match, that is, is valid, and writes data to be written to the magnetic stripe of the transaction card according to this routine. Extracted from the customer information corresponding to the transaction card (step S74).

  After the execution of step S73 or step S74, the restoration possibility determination unit H11A generates a restoration transaction result message and transmits it to the ATM 100 via the communication unit H12 (step S75). The restoration transaction result message includes a message generated in step S73 indicating that restoration cannot be performed, or the writing data extracted in step S74.

  The restoration possibility determination unit H11A ends the card magnetic restoration routine (host) after executing Step S75. At the end of the card magnetic restoration routine (host), the restoration possibility determination unit H11A may store information indicating whether or not restoration execution is permitted in this routine in association with the customer information in the storage unit H13 of the host HC. good. At the time of the storage, the storage unit H13 functions as a confirmation code presenting unit. Thereby, the card magnetic restoration history for each transaction card can be left in the host HC.

  In the present embodiment, the example in which the control routine R1 including the restoration inquiry routine and the restoration control routine R3 including the card magnetic restoration routine are performed as separate routines has been described. In other words, even if the control routine R1 ends, the restoration control routine R3 may be performed continuously without discharging the card.

  As described above in detail, according to the automatic transaction system 200 including the ATM 100 of the first embodiment, data can be rewritten to the magnetic stripe by the operation of the ATM 100 by the transaction, which is necessary for the transaction in the ATM 100. Data can be restored to the recorded magnetic stripe. At the time of the restoration, the restoration judgment unit H11A performs authentication judgment and subject judgment as restoration judgment, and then performs authentication using a confirmation code, thereby confirming the identity by a specific staff member such as a bank employee. Even if the confirmation of whether or not the card is a target for restoration is omitted, the safety of the transaction can be ensured.

  For example, restoration by a person other than the holder of the transaction card can be prevented, thereby preventing unauthorized transactions after restoration. Further, for example, the trader can restore the magnetic stripe of the card even outside the bank business hours or at the ATM 100 installed at a location away from the store of the financial institution. Therefore, it is possible to restore the magnetic stripe while ensuring the convenience of the trader and maintaining the safety of the trade.

  With reference to FIG. 14, the structure of ATM300 and the automatic transaction system 400 which concern on Example 2 of this invention is demonstrated. The ATM 300 has basically the same configuration as the ATM 100 of the first embodiment, the control unit 11 includes a restoration possibility determination unit 11A, and the storage unit 13 includes a restoration target card table ATB. Is different.

  Similar to the restoration availability determination unit H11A, the restoration availability determination unit 11A makes a determination regarding restoration of the magnetic stripe for the transaction card inserted into the ATM 300 according to a predetermined standard. The restoreability determination unit 11A acquires customer information necessary for the determination from the customer information BD of the host HC based on the medium information.

  The restoreability determination unit 11A is, for example, an authentication determination unit that performs an authentication determination as to whether or not the authentication information of the trader is valid, and whether or not the transaction card inserted into the ATM 300 can be restored. It functions as a target determination unit that determines whether or not restoration is possible. More specifically, it functions as a target determination unit that performs target determination, which is determination as to whether or not a transaction card corresponds to a recovery target card to be recovered. In addition, the restoration possibility determination unit 11A functions as a confirmation code presenting part that gives a confirmation number as a confirmation code to the trader according to the result of the authentication determination and restoration possibility determination.

  The restoration target card table ATB includes information indicating whether restoration is possible for each card specification identifier, similarly to the restoration target card table HTB of the host HC.

  Therefore, in the ATM 300, when data cannot be normally read from the magnetic stripe of the transaction card, the magnetic stripe can be restored in the same manner as the transaction control routine R1 and the restoration control routine R4 of the first embodiment.

  In the present embodiment, the restoration possibility determination unit 11A obtains necessary information from the customer information BD of the host HC based on the identification information included in the medium information read from the IC chip of the inserted transaction card, By referring to the restoration target card table ATB, the transaction control routine R1 and the restoration control routine R4 can be executed.

  For example, with respect to steps S62 to S67 executed in the restoration inquiry routine (host) R3 shown in FIG. 10 of the first embodiment, a restoration permission / non-permission judgment unit of the ATM 300 without transmitting / receiving a message to / from the host HC. Executed by 11A.

In addition, steps S72 to S75 executed in the card magnetic restoration routine (host) R6 shown in FIG. 13 of the first embodiment are also executed by the restoration permission determination unit 11A of the ATM 300.
The card magnetic inquiry routine and the card magnetic restoration routine according to the second embodiment are performed by the restoration possibility determination unit 11A without transmitting / receiving a message to / from the host HC.

  As described above, according to the automatic transaction apparatus of the second embodiment, the automatic transaction apparatus that can restore the magnetic stripe while maintaining the safety of the transaction while ensuring the convenience of the transaction person. Can be provided.

  In this specification, the example of determining whether or not the confirmation number can be given is described based on the validity of the PIN number and whether or not it corresponds to the target card, but in addition to these, it depends on other authentication information It is good also as a structure which performs identity verification. For example, in addition to a personal identification number, enter a license number, personal number or corporate number, passport number, social insurance number, etc., or an image of the appearance of a medium such as a license, personal number card, passport, social insurance card, etc. It may be recorded in advance as authentication information in association with customer information.

  The restoration possibility determination unit (H11A or 11A) as the authentication determination unit includes the authentication information recorded in the customer information with the number input from the trader or the image of the identification card presented by the trader. You may perform the authentication determination whether it corresponds by contrast.

  In addition, the example in which the determination of whether or not restoration can be performed is performed based on the validity of the confirmation number has been described. good.

  For example, in the case of a bank, an example has been described in which the determination about the “issuer” indicating whether the card issuer is the bank is performed at the time of the target determination, but this is not restrictive. It is good also as a structure which determines whether an own card is not before performing object determination. As a result, cards that cannot be restored because they are not own cards can be excluded at an earlier stage.

  As described above, according to the automatic transaction apparatus, automatic transaction system, and automatic transaction program of the present invention, it is possible to ease the transaction while relaxing the time restriction or place restriction of the trader and ensuring convenience. It is possible to maintain safety and to restore the magnetic stripe data.

100 ATM
200 automatic transaction system 11, H11 control unit 12, H12 communication unit 13, H13 storage unit 14 user interface unit 14A display 14B touch pad 15 cash deposit / withdrawal mechanism 18 passbook entry machine 20 card reading printer 21 card insertion / discharge port 22 journal processing unit 23 Imaging unit HC Host computer

Claims (17)

A medium processing unit for reading medium information including identification information capable of specifying the one transaction medium from one transaction medium having a magnetic stripe and an IC chip;
An authentication information holding unit for holding authentication information corresponding to the one transaction medium in association with the identification information as recorded authentication information;
An authentication information input unit for receiving authentication information for the transaction medium of 1 from a user as input authentication information;
Based on the identification information read from the one transaction medium, the record authentication information corresponding to the one transaction medium is specified, the record authentication information corresponding to the one transaction medium, and the authentication information input unit An authentication determination unit for performing an authentication determination that is a determination as to whether or not the received input authentication information matches;
A restoreability determination unit that determines whether or not the magnetic stripe of the one transaction medium can be restored based on the medium information;
Confirmation that the user needs to input when the restoration of the magnetic stripe is executed when it is judged that they match in the authentication judgment and it is judged that the restoration of the magnetic stripe is possible in the restoration possibility judgment A confirmation code input instruction unit for instructing the user to input a code;
An automatic transaction apparatus comprising: The medium information includes a specification identifier indicating a specification of the one transaction medium,
The restoration possibility determination unit includes a target medium identifier that is an identifier corresponding to a predetermined target medium as a medium that can be a target of restoration of the magnetic stripe, and the restoration possibility determination unit includes the specification identifier as the target medium. The automatic transaction apparatus according to claim 1, wherein the restoration possibility determination is performed based on whether or not the identifier matches. A magnetic reading determination unit for performing a magnetic reading determination as to whether or not the medium information can be read from the magnetic stripe;
When it is determined that the magnetic reading determination is not possible, the authentication determination and the target determination are executed, and the user is instructed to input the confirmation code according to the results of the authentication determination and the target determination. The automatic transaction apparatus according to claim 1 or 2, characterized by the above.   An IC presence / absence determining unit that includes a medium imaging unit that acquires an image of an appearance of a transaction medium, and that analyzes an image from the medium imaging unit and determines whether or not an IC chip is mounted on the transaction medium. The medium information is read by the medium processing unit when it is determined that the IC chip is mounted in the IC presence / absence determination. The automatic transaction apparatus according to item.   The authentication information holding unit holds any one or more of a personal identification number, a license number, a personal number, a passport number, and a social insurance number corresponding to the one transaction medium as recorded authentication information. The automatic transaction apparatus of any one of Claims 1 thru | or 4. A confirmation code holding unit for holding the confirmation code as a recording confirmation code in association with the first transaction medium;
A confirmation code input unit for receiving a confirmation code for the transaction medium of 1 from the user as an input confirmation code;
Whether or not the input confirmation code received from the user by the confirmation code input unit as the confirmation code corresponding to the first transaction medium matches the recording confirmation code held in association with the first transaction medium Having a confirmation code determination unit for performing a confirmation code determination that is a determination of
The medium processing unit restores the magnetic stripe by writing the write data acquired based on the medium information to the magnetic stripe of the one transaction medium when it is determined that the confirmation code matches. The automatic transaction apparatus according to any one of claims 1 to 5, wherein:   7. The automatic transaction apparatus according to claim 6, wherein the confirmation code is invalidated after a predetermined time has elapsed after generation.   The automatic transaction apparatus according to claim 6 or 7, wherein the confirmation code is invalidated after being generated a predetermined number of times after generation. A magnetic reading determination unit that determines whether or not data reading from the magnetic stripe is possible;
The automatic transaction apparatus according to any one of claims 6 to 8, wherein the magnetic stripe is restored when it is determined that the magnetic reading is not possible.   The confirmation code relating to the execution of restoration of the magnetic stripe in association with the one transaction medium when it is determined that they match in the authentication judgment and the restoration of the magnetic stripe is judged to be possible in the restoration possibility judgment The automatic transaction apparatus according to claim 1, further comprising a confirmation code generation unit that generates   The automatic transaction apparatus according to claim 10, further comprising a confirmation code presenting unit that presents the confirmation code generated by the confirmation code generating unit to the user.   The automatic transaction apparatus according to claim 1, wherein the confirmation code is the same as the authentication information. Automatic transaction equipment,
A host computer communicatively connected to the automatic transaction apparatus, comprising:
The automatic transaction apparatus includes: a medium processing unit that reads medium information including identification information that can identify the one transaction medium from one transaction medium having a magnetic stripe and an IC chip;
An authentication information input unit that receives, as input authentication information, authentication information for the transaction medium of 1 from a user,
The host computer
An authentication information holding unit that holds authentication information corresponding to the one transaction medium in association with the identification information as recorded authentication information;
Based on the identification information read from the one transaction medium, the record authentication information corresponding to the one transaction medium is specified, the record authentication information corresponding to the one transaction medium, and the authentication information input unit An authentication determination unit for performing an authentication determination that is a determination as to whether or not the received input authentication information matches;
A restoreability determination unit that determines whether or not the magnetic stripe of the one transaction medium can be restored based on the medium information;
If it is determined in the authentication determination that it matches, and the target determination determines that the target medium is applicable, the restoration code of the magnetic stripe is executed when a confirmation code that needs to be input by the user is executed. A confirmation code input instruction section for instructing the user of the transaction medium to input;
An automatic transaction system characterized by comprising: A confirmation code holding unit for holding the confirmation code as a recording confirmation code in association with the first transaction medium;
By determining whether or not the input confirmation code received from the user by the input unit as the confirmation code corresponding to the one transaction medium matches the recording confirmation code held in association with the first transaction medium. Having a confirmation code determination unit for performing a certain confirmation code determination,
The medium processing unit restores the magnetic stripe by writing the write data acquired based on the medium information to the magnetic stripe of the one transaction medium when it is determined that the confirmation code matches. The automatic transaction system according to claim 13.   15. The automatic transaction system according to claim 13, wherein the confirmation code is the same as the authentication information. A medium processing unit for reading medium information including identification information capable of specifying the one transaction medium from one transaction medium having a magnetic stripe and an IC chip;
An authentication information holding unit that holds authentication information corresponding to the one transaction medium in association with the identification information as recorded authentication information;
An authentication information input unit that accepts authentication information for the transaction medium of 1 as input authentication information from a user,
An authentication determination unit for identifying the record authentication information corresponding to the one transaction medium based on the identification information read from the one transaction medium; and the record authentication information corresponding to the one transaction medium; An authentication determination step of performing an authentication determination that is a determination as to whether or not the input authentication information received by the authentication information input unit matches;
An object determination step for determining whether or not restoration is possible based on whether or not the first transaction medium is a medium that can be a target of restoration of the magnetic stripe based on the medium information;
When the confirmation code input instruction unit is determined to match in the authentication determination, and it is determined in the target determination that the magnetic stripe can be restored, the restoration of the magnetic stripe is performed when the user is executed. A confirmation code input instruction step for instructing the user of the transaction medium of 1 to input a confirmation code that needs to be input by:
An automatic transaction program characterized in that A confirmation code holding unit, wherein the confirmation code holding unit holds the confirmation code as a recording confirmation code in association with the one transaction medium;
The confirmation code determination unit matches the input confirmation code received from the user by the input unit as the confirmation code corresponding to the first transaction medium and the recording confirmation code held in association with the first transaction medium. A confirmation code determination step for determining a confirmation code, which is a determination of whether or not,
When the medium processing unit determines that they match in the confirmation code determination step, the medium processing unit writes the write data acquired based on the medium information to the magnetic stripe of the one transaction medium to write the magnetic stripe. A magnetic stripe restoration step to restore;
The automatic transaction program according to claim 16, wherein:

Images