JP2019120956A - Automatic transaction device, automatic transaction method, and automatic transaction program - Google Patents

Abstract

To make it possible to perform a cash card transaction even if a read-out error of a magnetic stripe recorded with information including credit card information occurs when the cash card transaction is performed by using an integrated card.SOLUTION: An automatic transaction device executes cash card transaction processing by using a card having a magnetic stripe and an IC (integrated circuit) chip. When a magnetic stripe read/write part reads the information recorded in the magnetic stripe and the read-out error occurs, an IC chip read-out part reads the information recorded in the IC chip temporarily. When a transaction processing execution part can execute the cash card transaction processing based on the information, the magnetic stripe read/write part temporarily write information about presence of the IC chip, in which the card includes the IC chip, in the magnetic stripe.SELECTED DRAWING: Figure 4

Description

  The present invention relates to an automatic transaction apparatus, an automatic transaction method, and an automatic transaction program for executing cash card transaction processing using a card having a magnetic stripe and an IC (integrated circuit) chip.

  Conventionally, an automated teller machine such as an ATM (Automated Teller Machine) installed in a store of a financial institution such as a bank or a convenience store stores a card (magnetic card) having a magnetic stripe or a magnetic card Cash card transactions (financial institution transactions) and credit card transactions are performed using cards (magnetic IC cards) having stripes and IC chips.

The cards used at this time are roughly classified into, for example, the following four types (1) to (4).
(1) A magnetic card which is a magnetic card and has a magnetic stripe in which information including cash card information (a financial institution number, a branch number, an item, an account number, etc.) is recorded.
(2) A magnetic card which is a magnetic card and has a magnetic stripe in which information including credit card information (credit card member number etc.) is recorded.
(3) A magnetic IC card, which is a cash card having a magnetic stripe in which information including cash card information is recorded and an IC chip in which information including cash card information is recorded.
(4) A magnetic IC card, which is a magnetic stripe in which information including credit card information is recorded, a magnetic stripe in which information including cache card information is recorded, and an IC chip in which information including cache card information is recorded A cash card with a credit card function (also referred to as an "integrated card").

FIG. 12 is a diagram illustrating the four types of cards.
In FIG. 12, the card 100 illustrated at the upper left is a magnetic card (cache card) of the above (1), and has a magnetic stripe 101 in which information including cash card information is recorded. The card 110 illustrated at the upper right is the magnetic card (credit card) of the above (2), and has a magnetic stripe 111 in which information including credit card information is recorded. The card 120 illustrated at the lower left is the magnetic IC card (cache card) of the above (3), and is an IC on which information including cache card information and magnetic stripe 121 on which information including cache card information is recorded is recorded. And a chip 122. The card 130 illustrated at the lower right is the magnetic IC card (integrated card) of the above (4), in which the magnetic stripe 131 on which the information including the credit card information is recorded and the information including the cash card information And an IC chip 133 on which information including cash card information is recorded.

  In FIG. 12, the magnetic stripes 101, 121, 132 and the IC chips 122, 133 are shown in gray and information including credit card information is recorded. , 131 are shown in black. Arrows 102, 112, 123, and 134 indicate the card insertion direction in the forward direction (forward direction), and arrow 135 indicates the card insertion direction in the reverse direction.

  When a transaction is performed using any of the four types of cards in the automated teller machine, for example, if the information recorded in the magnetic stripe is destroyed, a read error of the magnetic stripe occurs. In such a case, the following measures are taken.

  In the case of the cash card 100 of the above (1), since repair of the magnetic stripe 101 by the automatic transaction apparatus is not possible, the financial institution can take measures such as repair of the magnetic stripe 101 by the bank clerk. Ru.

  In the case of the credit card 110 of the above (2), since the repair of the magnetic stripe 111 by the automatic transaction apparatus is not possible and the response by the financial institution is also impossible, the response by the credit card company such as card reissue is Will be done.

  In the case of the cash card 120 of the above (3), the magnetic stripe 121 is repaired by the automated teller machine. In this case, the automated teller machine reads the information recorded in the IC chip 122, transmits the cash card information contained in the information to the host computer, and repairs the magnetic stripe 121 according to an instruction from the host computer based thereon. (Rewriting information) is performed (see, for example, Patent Document 1).

  In the case of the integrated card 130 of the above (4), when the magnetic stripe in which the read error occurs is the magnetic stripe 131 on which the information including the credit card information is recorded, as in the case of the above (2), The credit card company will respond.

  When a cash card transaction is performed using the integrated card 130 of (4) in the automated teller machine, the cash card transaction is performed based on the cash card information read out from the integrated card 130 as follows. Is done.

  When the integrated card 130 is inserted into the automatic transaction apparatus in the forward direction (the direction of the arrow 134), first, the information of the magnetic stripe 131 on which the information including the credit card information is recorded is read, and the information If the IC chip contains information indicating that the IC chip is present (information indicating that the card has an IC chip), the information recorded in the IC chip 133 is read out, and the cache is read based on the cash card information contained in the information. A card transaction is made.

  On the other hand, when the integrated card 130 is inserted into the automated teller machine in the reverse direction (the direction of the arrow 135), first, the information of the magnetic stripe 132 in which the information including the cash card information is recorded is read out If the information includes information indicating that the IC chip is present when the card is inserted in the forward direction, the integrated card 130 is guided to be reinserted in the forward direction and the integrated card 130 is also inserted. Will be returned once. Then, when the integrated card 130 is reinserted in the forward direction, the information recorded in the IC chip 133 is read as described above, and a cash card transaction is performed based on the cash card information included in the information. It will be.

Unexamined-Japanese-Patent No. 2017-45174

  In an automatic transaction apparatus, when a cash card transaction is performed using the integrated card 130 of the above (4), if a read error of the magnetic stripe 131 on which information including credit card information is recorded occurs, IC Since the information indicating the presence of the chip is not recognized, the information is not read from the IC chip 133 and cash card transaction can not be performed. Therefore, in this case, there is a problem that the cash card transaction can not be performed until the credit card company takes action such as reissuing the card.

  In view of the above situation, the present invention is a cash card even when a read error of a magnetic stripe on which information including credit card information is recorded when cash card transaction is performed using an integrated card. An object of the present invention is to provide an automatic transaction apparatus, an automatic transaction method, and an automatic transaction program capable of trading.

  One aspect of the apparatus is an automatic transaction apparatus that executes cash card transaction processing using a card having a magnetic stripe and an IC chip, and the magnetic stripe read / write that reads and writes the information recorded on the magnetic stripe , An IC chip reading unit for reading information recorded in the IC chip, and a transaction processing execution unit for executing the cash card transaction processing, and the magnetic stripe read / write unit is recorded on the magnetic stripe When the read information is read and a read error occurs, the IC chip reading unit provisionally reads the information recorded in the IC chip, and the transaction processing execution unit executes the cash card transaction based on the information. If the processing can be performed, the card has the IC chip The magnetic stripe reading section of the IC chip presence information indicating writes tentatively on the magnetic stripe, and wherein the.

  One aspect of the method is an automatic transaction method performed in an automatic transaction apparatus that executes a cash card transaction process using a card having a magnetic stripe and an IC chip, and reading out the information recorded in the magnetic stripe When a read error occurs, the information recorded in the IC chip is provisionally read, and when the cash card transaction process can be executed based on the read information, the card is the IC. The IC chip presence information indicating that the chip is included is temporarily written in the magnetic stripe, the information recorded in the magnetic stripe is read, and the IC chip presence information is included in the read information, the IC chip Read out the information recorded in the card, and based on the read out information, the cash card Executing the pull process, characterized in that.

  One aspect of the program is that the computer of an automatic transaction apparatus that executes cash card transaction processing using a card having a magnetic stripe and an IC chip reads out the information recorded in the magnetic stripe and a read error occurs. If it is determined that the IC card has the IC chip, the information stored in the IC chip is provisionally read, and the cash card transaction process can be executed based on the read information. The chip presence information is temporarily written on the magnetic stripe, the information recorded on the magnetic stripe is read, and the information recorded on the IC chip is read when the read information includes the IC chip presence information. Execute the cash card transaction processing based on the read information An automatic transaction program characterized by executing a process called.

  The disclosed apparatus, method, and program are capable of cashing even when a read error occurs in a magnetic stripe in which information including credit card information is recorded when a cash card transaction is performed using an integrated card. The effect is that card transactions can be made.

BRIEF DESCRIPTION OF THE DRAWINGS It is a figure which illustrates the structure of the automatic transaction system containing the automatic transaction apparatus which concerns on one Embodiment. It is a figure which illustrates the appearance composition of the automatic transaction device concerning one embodiment. It is a figure which illustrates the hardware constitutions of the automatic transaction device concerning one embodiment. It is a figure which illustrates the functional block composition of the automatic transaction device concerning one embodiment. It is a figure which illustrates the data format of the magnetic stripe which the card inserted in a card insertion part has. It is a figure which illustrates the data format of the account information contained in the cash card information recorded on the IC chip which the card inserted in a card insertion part has. It is a flowchart which illustrates the flow of ATM transaction processing performed in the automatic transaction apparatus which concerns on one Embodiment. It is a flowchart which illustrates the flow of cash card-dedicated transaction processing performed in the automatic transaction device according to one embodiment. It is a figure (the 1) which illustrates screen transition displayed on a display input part for customers. It is a figure (the 2) which illustrates screen transition displayed on a display input part for customers. It is a figure which illustrates the temporary writing to a magnetic stripe. It is a figure which illustrates four types of cards.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram illustrating the configuration of an automatic transaction system including an automatic transaction apparatus according to an embodiment.

  In FIG. 1, an automatic transaction system 1 includes an automatic transaction apparatus 2 installed in a store of a financial institution such as a bank or a store of a convenience store, and a host computer 3 managed by the financial institution. The automatic transaction apparatus 2 is, for example, an ATM, and is communicably connected to the host computer 3 via the network 4. The network 4 is, for example, the Internet, an intranet, or a dedicated communication network for the automatic transaction system 1.

FIG. 2 is a diagram illustrating an appearance configuration of the automatic transaction apparatus according to the embodiment.
As illustrated in FIG. 2, the automatic transaction apparatus 2 includes a passbook insertion unit 10, a card insertion unit 11, a coin depositing / dispensing unit 12, a bill depositing / dispensing unit 13, and a customer display input unit 14.

The passbook insertion unit 10 receives and returns a passbook.
The card insertion unit 11 receives and returns cards used for the transaction (the four types of cards (1) to (4) described above). The card insertion unit 11 also discharges the receipt on which the transaction statement is printed.

The coin depositing and dispensing unit 12 receives and dispenses coins.
The bill depositing and dispensing unit 13 receives and dispenses bills.

  The customer display / input unit 14 receives various customer-oriented screens (a transaction selection screen, a card insertion screen, a handling screen, a card return screen, etc. described later) and accepts operation input by the customer.

  Moreover, although not shown in figure, the automatic transaction apparatus 2 is also equipped with the display input part for attendants in the apparatus back side. The clerk display input unit receives displays of various screens (operation screens and the like) for the clerk, and receives operation input by the clerk.

FIG. 3 is a diagram illustrating the hardware configuration of the automated teller machine according to one embodiment.
As illustrated in FIG. 3, the automatic transaction apparatus 2 includes an ATM control unit 20, a bill processing unit 30, a coin processing unit 40, a passbook processing unit 50, a card processing unit 60, and a receipt issuance processing unit 70.

  The ATM control unit 20 includes a main control unit 21, a memory 22, a hard disk 23, a host communication control unit 24, a customer screen display unit 25, a customer key input unit 26, a clerk screen display unit 27, and a clerk key input unit 28. And IO (Input Output) control unit 29. The ATM control unit 20 is an example of a computer.

  The main control unit 21 includes a CPU (Central Processing Unit), and controls the entire automatic transaction apparatus 2. For example, the main control unit 21 controls the bill processing unit 30, the coin processing unit 40, the passbook processing unit 50, the card processing unit 60, and the receipt issuance processing unit 70 via the IO control unit 29.

  The memory 22 is configured by a random access memory (RAM), a read only memory (ROM), and the like. The RAM temporarily stores a part of a program executed by the CPU of the main control unit 21 and various data required for the processing of the CPU. The program executed by the CPU is a program of an OS (Operating System) or a control program (including an automatic transaction program) for controlling and executing each function of the automatic transaction apparatus 2.

  The ROM of the memory 22 and the hard disk 23 store programs executed by the CPU of the main control unit 21 and various data necessary for the processing of the CPU.

  The host communication control unit 24 controls communication with the host computer 3. The host communication control unit 24 can also control communication with other devices connected to the network 4.

  The customer screen display unit 25 and the customer key input unit 26 are interfaces when the customer operates the automatic transaction apparatus 2 and are also the above-described customer display input unit 14. More specifically, the customer screen display unit 25 displays various screens for the customer. The customer key input unit 26 is a touch panel that functions as a ten key, a key button, or the like used for operation input by the customer, and is disposed on the customer screen display unit 25.

  The clerk screen display unit 27 and the clerk key input unit 28 are interfaces when the clerk operates the automatic transaction apparatus 2 and are also the clerk display input unit (not shown). More specifically, the clerk screen display unit 27 displays various screens for clerks. The clerk key input unit 28 is a touch panel that functions as a ten key or a key button used for operation input by a clerk and is disposed on the clerk screen display unit 27.

  The IO control unit 29 is an input / output interface between the bill processing unit 30, the coin processing unit 40, the passbook processing unit 50, the card processing unit 60, and the receipt issue processing unit 70.

  In the ATM control unit 20, the OS program and control program recorded on the hard disk 23 may be recorded on the hard disk 23 from an external device (not shown) via the network 4 and the host communication control unit 24, for example. Alternatively, it may be recorded on the hard disk 23 from a portable recording medium (not shown) via a portable recording medium interface (not shown). Also, the program and control program of the OS executed by the CPU of the main control unit 21 are stored in the RAM of the memory 22 via the network 4 and the host communication control unit 24 from an external device not shown, for example, It may be performed. Alternatively, it may be stored in the RAM of the memory 22 from a portable recording medium (not shown) via a portable recording medium interface (not shown) and executed by the CPU of the main control unit 21.

  The bill processing unit 30 counts the number of bills inserted into the bill depositing / dispensing unit 13 at the time of deposit or transfer, and determines the type of bill. In addition, when the bills are paid out, the bills to be paid out are counted.

  The coin processing unit 40 counts the number of coins inserted into the coin depositing / dispensing unit 12 at the time of depositing or transferring, and determines the type of coin. Also, when paying out the coins, the coins to be paid out are counted.

  The passbook processing unit 50 reads the data recorded in the magnetic stripe of the passbook inserted into the passbook insertion unit 10. Also, make a passbook entry for the passbook.

  The card processing unit 60 reads and writes information on a magnetic stripe and an integrated circuit (IC) chip of a card inserted into the card insertion unit 11.

  The receipt issue processing unit 70 issues a receipt on which transaction details for confirmation of the transaction result are printed, and discharges it from the card insertion unit 11.

FIG. 4 is a diagram illustrating a functional block configuration of the automated teller machine according to one embodiment.
However, FIG. 4 exemplifies only the main functional blocks according to the configuration for executing cash card transaction processing using a card having a magnetic stripe and an IC chip.

  As illustrated in FIG. 4, the automatic transaction apparatus 2 includes a magnetic stripe read / write unit 81, an IC chip read unit 82, and a transaction process execution unit 83.

  The magnetic stripe read / write unit 81 reads information recorded on a magnetic stripe of a card inserted into the card insertion unit 11 and writes information on the magnetic stripe.

  The IC chip reading unit 82 reads the information recorded in the IC chip of the card inserted into the card insertion unit 11.

The transaction processing execution unit 83 executes cash card transaction processing such as payment and transfer.
In the functional block configuration illustrated in FIG. 4, for example, when the integrated card 130 of (4) described above is inserted into the card insertion unit 11 in the forward direction and a cash card transaction is performed, first, the magnetic stripe read / write unit 81 Reads out the information recorded on the magnetic stripe 131. At this time, if a read error of the magnetic stripe 131 occurs, the IC chip read unit 82 provisionally reads the information recorded in the IC chip 133. Then, if the transaction processing execution unit 83 can execute the cash card transaction processing based on the information read at this time, the magnetic stripe read / write unit 81 indicates that the IC chip is present on the magnetic stripe 131 (card is an IC chip And the integrated card 130 is temporarily returned from the card insertion unit 11. Thereafter, when the integrated card 130 is inserted into the card insertion unit 11 in the forward direction, the magnetic stripe read / write unit 81 reads the information recorded in the magnetic stripe 131, and if the information includes IC chip presence information, The IC chip reading unit 82 reads the information recorded in the IC chip 133, and the transaction processing execution unit 83 executes cash card transaction processing based on the information.

  FIG. 5 is a diagram illustrating the data format of the magnetic stripe that the card inserted into the card insertion unit has. Note that this data format is also a data format defined by the specification established by the National Bankers Association.

  As exemplified in FIG. 5, the magnetic stripe includes “start code”, “ID mark”, “bank approval mark”, “personal identification number”, “bank number”, and “branch number” "Account number in a broad sense", "Account number", "Person / agent classification", "Card serial number", "Subject code", "Each row optional field", "Offline use item", and "Reserved field" The data of each item of “Availability code”, “end code”, and “BCC” are recorded. Also, the data of each item at this time is recorded with the length of a predetermined number of digits (the number of digits in hexadecimal notation) illustrated in FIG.

  Here, for example, when the automatic transaction apparatus 2 performs transaction processing, the data of the “validity code” is read whether or not the information recorded in the IC chip (the IC chip of the card having the magnetic stripe) is read or not. It is used when deciding whether For example, when the data of "validity code" is any value of "0" to "3", it is determined that the information recorded in the IC chip is not read out, and the information recorded in the magnetic stripe is determined. Perform transaction processing based on In addition, when the data of “effectiveness code” is any value of “4” to “7”, it is determined that the information recorded in the IC chip is read out, and the information recorded in the IC chip is Perform transaction processing on the basis of The data of "validity code" which is any value of "4" to "7" in this case is also data indicating that the card has an IC chip. On the other hand, when the data of "effectiveness code" is any value of "8" to "B", this value is data indicating that the IC chip is present when the card is inserted in the forward direction. Because there is, the automatic transaction apparatus 2 guides the card to be inserted in a positive direction and to reinsert the card, and returns the card once.

  For example, in the case of the integrated card 130 described in the above (4), any value of "4" to "7" as data of "validity code" of the magnetic stripe 131 on which information including credit card information is recorded Is recorded. In addition, any value of “8” to “B” is recorded as data of “validity code” of the magnetic stripe 132 in which information including cash card information is recorded.

  Also, for the data of "bank approval mark" and "bank number", for example, information recorded in the magnetic stripe is information including own bank card information or information including credit card information of affiliated credit card company Is used to determine whether For example, when the data of "bank approval mark" is "a" and the data of "bank number" is the financial institution number of the bank, the information recorded in the magnetic stripe is information including the cash card information of the bank. Determine that there is. In addition, when the data of "bank approval mark" is the affiliated credit card business code and the data of "the bank number" is the affiliated credit card company code, the information recorded in the magnetic stripe is the affiliated credit card company's credit card It is determined that the information contains information.

  FIG. 6 is a view exemplifying a data format of account information included in cash card information recorded in an IC chip of a card inserted into a card insertion unit. Note that this data format is also a data format defined by the specification established by the National Bankers Association.

  As illustrated in FIG. 6, in the IC chip, as items of account information included in cash card information, items of “Unified financial institution code”, “Unified store number”, “Deposit item”, and “Account number” Data is recorded. Further, data of each item at this time is recorded with a length of a predetermined number of digits (number of digits in hexadecimal notation) exemplified in FIG. 6, and is recorded as data of 18 digits and 9 bytes in total.

Next, the transaction processing performed in the automatic transaction apparatus 2 will be described.
FIG. 7 is a flow chart illustrating the flow of ATM transaction processing executed in the automated teller machine according to one embodiment. FIG. 8 is a flow chart exemplifying the flow of a cash card dedicated transaction process executed in the automated teller machine according to one embodiment. 9 and 10 are diagrams illustrating screen transitions displayed on the customer display input unit. FIG. 11 is a diagram illustrating temporary writing to a magnetic stripe.

  In the automatic transaction apparatus 2, when the power is turned on, initialization processing and the like are performed, and the transaction processing can be performed, the main control unit 21 displays the transaction selection screen 86 illustrated in FIG. It is displayed on the part 14. On the transaction selection screen 86, various transaction buttons (also referred to as transaction keys) such as "withdrawal", "deposit", "transfer", "card loan" and the like are displayed, and the customer selects the desired transaction button. A desired transaction can be started by pressing.

  Here, assuming that the customer presses a transaction button related to a cash card transaction (for example, a transaction button for "withdrawal"), the main control unit 21 displays the card insertion screen 87 illustrated in FIG. Display on. The card insertion screen 87 displays a message prompting the customer to insert a card into the card insertion unit 11, and a "cancel" button for canceling the transaction (returning to the transaction selection screen 86).

  Here, assuming that the customer inserts the integrated card 130 described in (4) in the card insertion section 11 in the forward direction, the automatic transaction apparatus 2 starts the ATM transaction process illustrated in FIG.

  First, in S701, the card processing unit 60 reads out information recorded on the magnetic stripe 131 of the integrated card 130 inserted ("MS (Magnetic Stripe) read").

  In S702, the main control unit 21 determines whether or not a read error (“MS read error”) has occurred as a result of the MS read in S701.

  When the determination result of S702 is NO, it transfers to normal transaction processing. The normal transaction process is a known process, and thus the description thereof is omitted. However, the transaction process (here, cash card transaction process) corresponding to the transaction button pressed on the transaction selection screen 86 is executed.

  On the other hand, if the determination result in S702 is YES, in S703, the main control unit 21 causes the display screen for handling 88 illustrated in FIG. 9 to be displayed on the customer display input unit 14, and the card processing unit 60 is inserted. The information recorded on the IC chip 133 of the integrated card 130 is provisionally read ("IC chip access").

  In S704, based on the information read from the IC chip 133 in S703, the main control unit 21 executes transaction processing (here, cash card transaction processing) according to the transaction button pressed on the transaction selection screen 86. It is determined whether it is possible ("IC chip access OK?"). More specifically, it is determined whether the information read from the IC chip 133 in S703 includes cash card information (such as account information (see FIG. 6)).

  The cash card information recorded in the IC chip 133 is recorded as a part of the Zenginkyo application (National Bankers Association application) recorded in the IC chip 133, and S703 and S704 are executed from the IC chip 133 by the Zenginkyo. It is also a process of searching for an application and determining whether or not there is a Zenginkyo application.

  If the determination result in S704 is NO, in S705, the main control unit 21 includes a message indicating that the inserted integrated card 130 can not be read, and a message for guiding the customer to the financial institution window and guiding it. The return screen is displayed on the customer display / input unit 14, and the integrated card 130 inserted is returned from the card insertion unit 11, and the ATM transaction processing illustrated in FIG. 7 is completed.

  On the other hand, if the determination result in S704 is YES, in S706, the main control unit 21 causes the display screen for handling 89 illustrated in FIG. 9 to be displayed on the customer display input unit 14, and the card processing unit 60 is inserted. IC chip presence information (information indicating that the card has an IC chip) or the like is provisionally written in the magnetic stripe 131 of the integrated card 130 ("MS provisional write"). In the MS provisional writing, as illustrated in FIG. 11, IC chip presence information (eg, character code “IC”) is provisionally written to an arbitrary digit (eg, lower two digits) of the “spare field” of the magnetic stripe 131. Be Also, in the "bank number" and "branch number" of the magnetic stripe 131, 4-digit data of "unified financial institution code" and "unified financial institution code" included in the account information (see FIG. 6) read from the IC chip 133 Data of lower four digits of "store number" are provisionally written as minimum data necessary for cash card determination. In the other items of the magnetic stripe 131, any data is provisionally written.

  When S706 is completed, the main control unit 21 causes the customer display input unit 14 to display the card return screen 90 illustrated in FIG. 9 and returns the inserted integrated card 130 from the card insertion unit 11 in S707. Do. The card return screen 90 displays a message indicating that the magnetic stripe 131 is broken, guidance for continuing cash card transactions, and guidance for wishing credit card transactions. The message at this time may be printed on a receipt by the receipt issuance processing unit 70, and may be discharged from the card insertion portion 11 together with the integrated card 130 to be returned.

  When S707 ends, the ATM transaction processing illustrated in FIG. 7 ends, and the main control unit 21 displays and displays the transaction selection screen 91 (also the transaction selection screen 86 illustrated in FIG. 9) illustrated in FIG. It is displayed on the part 14.

  Here, assuming that the customer presses the “other transaction information” button on the transaction selection screen 91 in order to continue the cash card transaction, the main control unit 21 performs the transaction illustrated in FIG. The selection screen 92 is displayed on the customer display input unit 14. On the transaction selection screen 92, a "bank card transaction" button or the like for enabling the "bank card transaction" displayed on the card return screen 90 displayed on the customer display input unit 14 in S707 is displayed. .

  Here, assuming that the customer presses the “bank card transaction” button, the main control unit 21 applies the card insertion screen 93 (also the card insertion screen 87 illustrated in FIG. 9) illustrated in FIG. 10 to the customer. It is displayed on the display input unit 14.

  Here, assuming that the customer reinserts the integrated card 130 returned in S707 in the card insertion section 11 in the forward direction, the automatic transaction apparatus 2 starts the cash card dedicated transaction process illustrated in FIG. 8. .

  First, in S801, the card processing unit 60 reads out information recorded on the magnetic stripe 131 of the reinserted integrated card 130 ("MS read").

  In S802, the main control unit 21 determines whether the information read from the magnetic stripe 131 in S801 includes the IC chip presence information (the IC chip presence information written in S706 of FIG. 7).

  If the determination result in S802 is NO, in S803, the main control unit 21 includes a message indicating that the re-inserted integrated card 130 can not be used, and a message for guiding the customer to the financial institution window and guiding it. The return screen is displayed on the customer display / input unit 14 and the integrated card 130 inserted again is returned from the card insertion unit 11, and the cash card dedicated transaction processing illustrated in FIG. 8 is completed.

  On the other hand, when the determination result in S802 is YES, in S804, the main control unit 21 causes the display screen for customer 94 (also the screen for processing 88 illustrated in FIG. 9) illustrated in FIG. The message is displayed, and the card processing unit 60 reads the information recorded in the IC chip 133 of the integrated card 130 being reinserted ("IC chip access").

  In S805, the main control unit 21 determines whether or not cash card transaction processing can be executed (“IC chip access OK?”) Based on the information read from the IC chip 133 in S804. More specifically, it is determined whether the information read from the IC chip 133 in S804 includes cash card information (such as account information (see FIG. 6)).

  As in S703 and S704, S804 and S805 are also processes for searching for the Zenginkyo application from the IC chip 133 and determining whether or not the Zenginkyo application has been found.

  If the determination result in S805 is NO, in S806, the main control unit 21 includes a message indicating that the re-inserted integrated card 130 can not be used, and a message for guiding the customer to the financial institution window and guiding it. The return screen is displayed on the customer display / input unit 14 and the integrated card 130 inserted again is returned from the card insertion unit 11, and the cash card dedicated transaction processing illustrated in FIG. 8 is completed.

  On the other hand, if the determination result in S805 is YES, in S807, the main control unit 21 uses the transaction selection screen 95 (also the transaction selection screen 91 and the transaction selection screen 86 illustrated in FIG. 8) illustrated in FIG. It is displayed on the display input unit 14.

  Here, assuming that the customer presses a transaction button related to a cash card transaction (for example, a transaction button for "withdrawal"), in S808, the main control unit 21 executes a cash card transaction process according to the pressed transaction button. , And is executed based on cash card information (account information (see FIG. 6, etc.)) included in the information recorded in the IC chip 133. In addition, since the cash card transaction process performed based on cash card information is a well-known process, it abbreviate | omits description.

When S808 ends, in S809, the main control unit 21 displays the card return screen 96 illustrated in FIG. 10 on the display input unit 14 for customer, and the integrated card 130 reinserted from the card insertion unit 11 return. The card return screen 96 displays a message such as that the magnetic stripe 131 is broken or a guide for card restoration.
When S809 ends, the cash card dedicated transaction processing illustrated in FIG. 8 ends.

  As described above, according to the present embodiment, when a cash card transaction is performed using the integrated card 130 described in (4), reading of the magnetic stripe 131 in which information including credit card information is recorded is performed. Even if an error occurs, cash card transactions can be made. In addition, the customer can make a cash card transaction without having to wait until the credit card company takes action such as reissuing a card.

  In the present embodiment, only the transaction button related to the cash card transaction may be displayed on the transaction selection screen 95 illustrated in FIG.

  Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various improvements and modifications can be made without departing from the scope of the present invention.

DESCRIPTION OF SYMBOLS 1 Automatic transaction system 2 Automatic transaction apparatus 3 Host computer 4 Network 10 Passbook insertion part 11 Card insertion part 12 Coin depositing / dispensing part 13 Banknote dispensing / dispensing part 14 Customer display / input part 20 ATM control part 21 Main control part 22 Memory 23 Hard disk 24 Host communication control unit 25 Customer screen display unit 26 Customer key input unit 27 Attendant screen display unit 28 Attendant key input unit 29 IO control unit 30 Banknote processing unit 40 Coin processing unit 50 Pass-through processing unit 60 Card processing unit 70 Receipt Issue processing unit 81 Magnetic stripe reading / writing unit 82 IC chip reading unit 83 Transaction processing execution unit 86 Transaction selection screen 87 Card insertion screen 88, 89 Operating screen 90 Card return screen 91, 92 Transaction selection screen 93 Card insertion screen 94 Working image Side 95 transaction selection screen 96 card return screen 100 card, cash card 101 magnetic stripe 102 arrow 110 card, credit card 111 magnetic stripe 112 arrow 120 card, cash card 121 magnetic stripe 122 IC chip 123 arrow 130 card, integrated card 131, 132 magnetic stripe 133 IC chip 134, 135 arrows

Claims (4)

An automatic transaction apparatus that executes cash card transaction processing using a card having a magnetic stripe and an IC chip, comprising:
A magnetic stripe read / write unit for reading and writing information recorded on the magnetic stripe;
An IC chip reading unit for reading information recorded in the IC chip;
A transaction processing execution unit that executes the cash card transaction processing;
Equipped with
When the magnetic stripe read / write unit reads the information recorded on the magnetic stripe and a read error occurs, the IC chip read unit provisionally reads the information recorded on the IC chip, and the information is read as the information. When the transaction processing execution unit can execute the cash card transaction processing based on IC chip presence information indicating that the card has the IC chip, the magnetic stripe read / write unit provisionally uses the magnetic stripe Write,
An automatic transaction device characterized by The magnetic stripe read / write unit reads the information recorded in the magnetic stripe, and when the information includes the IC chip presence information, the IC chip read unit reads the information recorded in the IC chip and the information The transaction processing execution unit executes the cash card transaction processing based on
The automatic transaction apparatus according to claim 1, characterized in that: An automatic transaction method executed in an automatic transaction apparatus for executing a cash card transaction process using a card having a magnetic stripe and an IC chip, comprising:
When the information recorded in the magnetic stripe is read and a read error occurs, the information recorded in the IC chip is provisionally read;
When the cash card transaction process can be executed based on the read information, an IC chip presence information indicating that the card has the IC chip is provisionally written on the magnetic stripe,
Read out the information recorded on the magnetic stripe,
When the read information includes the IC chip presence information, the information recorded in the IC chip is read;
Execute the cash card transaction process based on the read information;
An automatic transaction method characterized by In a computer of an automatic transaction apparatus which executes cash card transaction processing using a card having a magnetic stripe and an IC chip,
When the information recorded in the magnetic stripe is read and a read error occurs, the information recorded in the IC chip is provisionally read;
When the cash card transaction process can be executed based on the read information, an IC chip presence information indicating that the card has the IC chip is provisionally written on the magnetic stripe,
Read out the information recorded on the magnetic stripe,
When the read information includes the IC chip presence information, the information recorded in the IC chip is read;
Execute the cash card transaction process based on the read information;
An automatic transaction program characterized in that the process of