JP2019133315A - Automatic transaction device, magnetic stripe recovery method, and magnetic stripe recovery program - Google Patents

Abstract

To allow for transactions even when a read error of MS (magnetic stripe) occurs when a transaction is performed using a magnetic IC card, and realizing this mechanism without any modification of an external device.SOLUTION: An automatic transaction device executing a transaction process using a card having an MS and an IC chip: determines whether or not information recorded in the MS has been recorded in the IC chip when reading the information recorded in the MS and a read error does not occur, and writes to the IC chip the information read from the MS when the determination result shows that the information has not been recorded in the IC chip; and determines whether or not the information recorded in the MS has been recorded in the IC chip when reading the information recorded in the MS and a read error occurs, and writes to the MS the recorded information read from the IC chip when the determination result shows that the information has been recorded in the IC chip.SELECTED DRAWING: Figure 4

Description

  The present invention relates to an automatic transaction apparatus for executing transaction processing using a card having a magnetic stripe and an IC (integrated circuit) chip, a magnetic stripe repair method executed in the automatic transaction apparatus, and a computer of the automatic transaction apparatus. Relates to a magnetic stripe repair program.

  Conventionally, in an automatic transaction apparatus such as an ATM (Automated Teller Machine) installed in a bank or other financial institution store or a convenience store store, a card having a magnetic stripe (magnetic card), magnetic 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 having a magnetic stripe on which information including cash card information (such as financial institution number, branch number, subject, and account number) is recorded.
(2) A credit card having a magnetic stripe on which information including credit card information (such as a credit card member number) is recorded.
(3) A magnetic IC card having a magnetic stripe on which information including cash card information is recorded and an IC chip on which information including cash card information is recorded.
(4) Magnetic IC card, a magnetic stripe on which information including credit card information is recorded, a magnetic stripe on which information including cash card information is recorded, and an IC chip on which information including cash card information is recorded A cash card with a credit card function (also referred to as an “integrated card”).

FIG. 11 is a diagram illustrating the above four types of cards.
In FIG. 11, the card 100 illustrated in the upper left is the magnetic card (cash card) of (1) above, and has a magnetic stripe 101 on which information including cash card information is recorded. The card 110 illustrated in the upper right is the magnetic card (credit card) of (2) above, and has a magnetic stripe 111 on which information including credit card information is recorded. The card 120 illustrated in the lower left is the magnetic IC card (cash card) of (3) above, and a magnetic stripe 121 in which information including cash card information is recorded, and an IC in which information including cash card information is recorded. Chip 122. The card 130 illustrated in the lower right is the magnetic IC card (integrated card) of (4) above, in which a magnetic stripe 131 in which information including credit card information is recorded and information including cash card information is recorded. And an IC chip 133 on which information including cash card information is recorded.

  In FIG. 11, the magnetic stripes 101, 121, 132 and the IC chips 122, 133 on which information including cash card information is recorded are shown in gray, and the magnetic stripe 111 on which 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 the arrow 135 indicates the card insertion direction in the reverse direction.

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

  In the case of the cash card 100 of the above (1), since the magnetic stripe 101 cannot be repaired by the automatic transaction apparatus, the financial institution takes measures such as repairing the magnetic stripe 101 by a bank employee at the financial institution window. The

  In the case of the credit card 110 of the above (2), the magnetic stripe 111 cannot be repaired by the automatic transaction apparatus and cannot be handled by the financial institution. Done.

  In the case of the cash card 120 of (3) above, the magnetic stripe 121 is repaired by the automatic transaction apparatus. In this case, the automatic transaction apparatus reads the information recorded in the IC chip 122, transmits the cash card information included in the information to the host computer, and repairs the magnetic stripe 121 in accordance with an instruction from the host computer based on the information. (Rewrite information).

  In the case of the integrated card 130 of (4) above, when the magnetic stripe where the read error has occurred is the magnetic stripe 131 on which information including credit card information is recorded, as in the case of (2) above, A credit card company will handle it.

  In the automatic transaction apparatus, when the cash card transaction is performed using the integrated card 130 of the above (4), the cash card transaction is performed based on the cash card information read 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, information on the magnetic stripe 131 in which information including credit card information is recorded is read out. Information including the presence of an IC chip (information indicating that the card has an IC chip) is read out, the information recorded in the IC chip 133 is read out and cached based on the cash card information included in the information. Card transaction is performed.

  On the other hand, when the integrated card 130 is inserted into the automatic transaction apparatus in the reverse direction (the direction of the arrow 135), first, information on the magnetic stripe 132 in which information including cash card information is recorded is read. When 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 returned once. When the integrated card 130 is reinserted in the forward direction, the information recorded on 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. Is called.

  In a card similar to the cash card 120 of (3) above, the same transaction information recorded on the magnetic stripe is recorded on the IC chip in the personalization process of setting personal data on the IC chip. When such a card is inserted and the magnetic stripe is read, if it is determined that the magnetic recording performance of transaction information in the magnetic stripe is degraded, etc., recording is performed on the magnetic stripe. There is known an automatic transaction apparatus that rewrites the transaction information that has been read into transaction information read from an IC chip (transaction information recorded in the above personalization process) (for example, see Patent Document 1). .

JP 2005-165916 A

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

  Further, for example, when a cash card transaction is performed using the cash card 120 of (3) above, if a read error occurs in the magnetic stripe 121 in which information including cash card information is recorded, as described above Although it is possible to repair the magnetic stripe 121 by communicating with the host computer, in order to realize such a mechanism, the development cost increases due to modification of the host computer. There is.

  In view of the above situation, the present invention enables a transaction even when a magnetic stripe read error occurs when a transaction is performed using a magnetic IC card, and the mechanism involves modification of an external device. It is an object of the present invention to provide an automatic transaction apparatus, a magnetic stripe repair method, and a magnetic stripe repair program that can be realized without any problem.

  One aspect of the apparatus is an automatic transaction apparatus that performs transaction processing using a card having a magnetic stripe and an IC chip, and a magnetic stripe read / write unit that reads and writes information from and to the magnetic stripe; An IC chip read / write unit that reads and writes information from and to the IC chip, and a determination unit that determines whether or not the information recorded in the magnetic stripe has been recorded in the IC chip, When the magnetic stripe read / write unit reads the information recorded in the magnetic stripe and no read error occurs, the determination unit performs the determination, and the determination result is a determination result that is not recorded The IC chip read / write unit is read from the magnetic stripe by the magnetic stripe read / write unit. The information is written to the IC chip, and wherein the.

  One aspect of the method is a magnetic stripe repair method executed in an automatic transaction apparatus that executes a transaction process using a card having a magnetic stripe and an IC chip, and reads information recorded in the magnetic stripe. If no read error occurs, it is determined whether the information recorded on the magnetic stripe has been recorded on the IC chip, and if the result of the determination is a determination result that has not been recorded, When the information read from the magnetic stripe is written to the IC chip and the information recorded on the magnetic stripe is read and a read error occurs, the information recorded on the magnetic stripe is recorded on the IC chip. If it is a determination result that the result of the determination is already recorded, Writing the recorded information read from the C chip to the magnetic stripe, and wherein the.

  One aspect of the program is that the information recorded in the magnetic stripe is read out to a computer of an automatic transaction apparatus that executes a transaction process using a card having a magnetic stripe and an IC chip, and no read error occurs. In addition, it is determined whether or not the information recorded on the magnetic stripe has been recorded on the IC chip, and if the result of the determination is not recorded, the information read from the magnetic stripe is When a read error occurs when information is written to the IC chip and the information recorded on the magnetic stripe is read out, it is determined whether the information recorded on the magnetic stripe is already recorded on the IC chip. If the result of the determination is a recorded result that has already been recorded, It writes the recorded information on the magnetic stripe is a magnetic stripe repair program characterized by executing a process called.

  The disclosed apparatus, method, and program enable a transaction even when a magnetic stripe read error occurs when a transaction is performed using a magnetic IC card, and the mechanism involves modification of an external device. There is an effect that it can be realized without any problem.

It is a figure which illustrates the composition of the automatic transaction system containing the automatic transaction device concerning one embodiment. It is a figure which illustrates the external appearance structure of the automatic transaction apparatus which concerns on one embodiment. It is a figure which illustrates the hardware constitutions of the automatic transaction apparatus which concerns on one embodiment. It is a figure which illustrates the functional block structure of the automatic transaction apparatus which concerns on 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 structure of the memory with which the IC chip of the card inserted in a card insertion part is provided. It is the flowchart (the 1) which illustrates the flow of the ATM transaction process performed in the automatic transaction apparatus which concerns on one embodiment. It is a flowchart (the 2) which illustrates the flow of the ATM transaction process performed in the automatic transaction apparatus which concerns on one embodiment. It is the figure (the 1) which illustrates the card return screen displayed on the display input part for customers. It is a figure (the 2) which illustrates the card return screen displayed on the display input part for customers. 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 a 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 an ATM, for example, and is connected to the host computer 3 via the network 4 so as to be communicable. 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 external 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 deposit / withdrawal unit 12, a banknote deposit / withdrawal 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 transactions (the above-described four types of cards (1) to (4)). The card insertion unit 11 also discharges the receipt on which the transaction details are printed.

The coin deposit / withdrawal unit 12 receives and pays out coins.
The banknote deposit / withdrawal unit 13 receives and dispenses banknotes.

  The customer display input unit 14 accepts display of various screens for customers (transaction selection screen, card insertion screen, card return screen, etc.) and operation input by the customer.

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

FIG. 3 is a diagram illustrating a hardware configuration of the automatic transaction apparatus according to the embodiment.
As illustrated in FIG. 3, the automatic transaction apparatus 2 includes an ATM control unit 20, a banknote processing unit 30, a coin processing unit 40, a passbook processing unit 50, a card processing unit 60, and a receipt issue 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, an attendant screen display unit 27, and an attendant key input unit 28. And an 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 banknote 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 via the IO control unit 29.

  The memory 22 includes a RAM (Random Access Memory) and a ROM (Read Only Memory). The RAM temporarily stores a part of a program executed by the CPU of the main control unit 21 and various data necessary for the processing of the CPU. The program executed by the CPU is an OS (Operating System) program and a control program (including a magnetic stripe repair 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, various data necessary for the processing of the CPU, and the like.

  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 customer display input unit 14 described above. More specifically, the customer screen display unit 25 displays various screens for customers. The customer key input unit 26 is a touch panel that functions as a numeric keypad, a key button, or the like used for operation input by the customer, and is arranged 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 a clerk display input unit (not shown). More specifically, the clerk screen display unit 27 displays various screens for clerk. The clerk key input unit 28 is a touch panel that functions as a numeric keypad and key buttons used for operation input by the clerk, and is arranged on the clerk screen display unit 27.

  The IO control unit 29 is an input / output interface among the banknote 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, an OS program or a 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. 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). The OS program and control program executed by the CPU of the main control unit 21 are stored in the RAM of the memory 22 from an external device (not shown) via the network 4 and the host communication control unit 24, for example. May be executed. 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 banknote processing unit 30 counts the number of banknotes inserted into the banknote deposit / withdrawal unit 13 at the time of deposit or transfer, and determines the type of banknote. Further, when the banknotes are paid out, the banknotes to be paid out are counted.

  The coin processing unit 40 counts the number of coins inserted into the coin deposit / withdrawal unit 12 at the time of deposit or transfer, and determines the type of coin. Further, when coins are paid out, the coins to be paid out are counted.

  The bankbook processing unit 50 reads information (data) recorded on the magnetic stripe of the bankbook inserted in the bankbook insertion unit 10. In addition, the bankbook is filled in for the bankbook.

  The card processing unit 60 reads and writes information (data) with respect to the magnetic stripe and IC chip of the card inserted in the card insertion unit 11.

  The receipt issuance processing unit 70 issues a receipt on which transaction details for confirming 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 automatic transaction apparatus according to the embodiment.
However, FIG. 4 illustrates only main functional blocks related to a configuration for restoring information recorded in the magnetic stripe of the magnetic IC card inserted into the card insertion unit 11.

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

  The magnetic stripe read / write unit 81 reads / writes information from / to the magnetic stripe of the card inserted into the card insertion unit 11.

  The IC chip read / write unit 82 reads and writes information from and to an IC chip included in the card inserted into the card insertion unit 11.

  The determination unit 83 determines whether the information recorded in the magnetic stripe of the magnetic IC card inserted into the card insertion unit 11 has been recorded on the IC chip of the magnetic IC card.

  In the functional block configuration illustrated in FIG. 4, for example, when the integrated card 130 of (4) 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 Information recorded in the magnetic stripe 131 is read. If no read error of the magnetic stripe 131 occurs at this time, after the cash card transaction process is executed, the determination unit 83 performs the above determination, and the determination result is that the determination result is not recorded. The IC chip read / write unit 82 writes the information read from the magnetic stripe 131 by the magnetic stripe read / write unit 81 to the IC chip 133, and then the integrated card 130 is returned from the card insertion unit 11.

  On the other hand, when the magnetic stripe read / write unit 81 reads information recorded in the magnetic stripe 131 and a read error of the magnetic stripe 131 occurs, the determination unit 83 performs the above determination, and the result of the determination is recorded. In the case of the determination result, the magnetic stripe read / write unit 81 writes (overwrites) the recorded information read from the IC chip 133 by the IC chip read / write unit 82 to the magnetic stripe 131, and then The integrated card 130 is returned from the card insertion unit 11.

  When the magnetic stripe read / write unit 81 reads information recorded in the magnetic stripe 131 and no read error occurs, the determination unit 83 performs the above determination, and the determination result that the determination result is not recorded. In this case, the IC chip read / write unit 82 indicates that the information recorded on the magnetic stripe 131 has been recorded on the IC chip 133 together with the information read from the magnetic stripe 131 by the magnetic stripe read / write unit 81. (Hereinafter referred to as “recorded flag”) may be written to the IC chip 133. In this case, the determination unit 83 determines whether the information recorded on the magnetic stripe 131 has been recorded on the IC chip 133 according to whether or not the recorded flag has been read from the IC chip 133 by the IC chip read / write unit 82. It may be determined whether or not.

  Alternatively, the determination unit 83 determines whether the information recorded on the magnetic stripe 131 has been recorded on the IC chip 133 according to whether specific information has been read from the IC chip 133 by the IC chip read / write unit 82. May be determined. Here, the specific information is information included in the information recorded in the magnetic stripe 131. For example, the “ID mark”, the “bank approval mark”, the “bank number” illustrated in FIG. This is the value expected as a “validity code”. Note that “ID mark”, “bank approval mark”, and “bank number” may be handled as validity codes.

  Such an operation is performed in the same manner, for example, when the cash card 120 of the above (3) is inserted into the card insertion unit 11 in the forward direction and a cash card transaction is performed.

  FIG. 5 is a diagram illustrating a data format of a magnetic stripe included in a card inserted into the card insertion unit. This data format is also a data format defined by specifications established by the National Banking Association.

  As illustrated in FIG. 5, the magnetic stripe has a specification area defined by the specification and an area outside the specification area. The specification area includes “start code”, “ID mark”, “bank approval mark”, “password”, “bank number”, “branch number”, and “account number in a broad sense”. “Account number”, “Principal / agent classification”, “Card serial number”, “Certificate code”, “Any line optional field”, “Offline use item”, “Reserve field”, “Effectiveness code” Then, data of each item of “end code” and “BCC” is recorded. The data of each item is recorded with a predetermined number of digits (hexadecimal number of digits). The space outside the specification area is the remaining area in the magnetic stripe, and arbitrary data can be recorded.

  In the specification area, the data of the “validity code” can be obtained, for example, by the automatic transaction apparatus 2 executing transaction processing based on the information recorded in the magnetic stripe, or the IC chip (the IC chip of the card having the magnetic stripe). ) Is used to determine whether to execute a transaction process based on the information recorded in (). For example, when the data of the “validity code” is any value from “0” to “3”, it is determined that the transaction process is executed based on the information recorded in the magnetic stripe. Further, when the data of the “validity code” is any value from “4” to “7”, it is determined that the transaction process is executed based on the information recorded in the IC chip. Note that the data of “validity code” that is one of the values “4” to “7” corresponds to the above-described information indicating the presence of an IC chip. On the other hand, when the data of “validity code” is any value from “8” to “B”, these values indicate data indicating that the IC chip is present when the card is inserted in the forward direction. Therefore, the automatic transaction apparatus 2 guides the card to be inserted again with the insertion direction of the card as a positive direction, and once returns the card.

  For example, in the case of the integrated card 130 of the above (4), any of the values “4” to “7” is used as the “effectiveness code” data of the magnetic stripe 131 in which information including credit card information is recorded. Any value of “8” to “B” is recorded as “effectiveness code” data of the magnetic stripe 132 in which the information including the cash card information is recorded. Further, for example, in the case of the cash card 120 of (3) above, any one of the values “4” to “7” as the “effectiveness code” data of the magnetic stripe 121 in which information including the cash card information is recorded. Is recorded.

  In the specification area, the data of “bank approval mark” and “bank number” is, for example, information recorded in the magnetic stripe is information including own bank card information, or credit card information of a partner credit card company. It is used when the automatic transaction apparatus 2 determines whether the information is included. For example, when the data of “bank approval mark” is “a” and the data of “bank number” is the bank's financial institution number, the information recorded in the magnetic stripe is information including the bank card information of the bank. Judge that there is. In addition, when the data of “Bank Approval Mark” is the affiliated credit card business type code and the data of “Bank Number” is the affiliated credit card company code, the information recorded in the magnetic stripe is the credit card of the affiliated credit card company. It is determined that the information includes information.

  FIG. 6 is a diagram illustrating a data structure of a memory included in an IC chip of a card inserted into the card insertion unit. Here, the memory provided in the IC chip 133 of the integrated card 130 of (4) is described as an example, but the memory provided in the IC chip 122 of the cash card 120 of (3) is basically the same. Has a data structure.

  As illustrated in FIG. 6, the IC chip 133 of the integrated card 130 includes the memory 200. The memory 200 includes an OS recording area 201, a Zenginkyo APL recording area 202, and other recording areas 203.

  The OS recording area 201 is an area for recording an OS program executed in the IC chip 133.

  The Zenginkyo APL recording area 202 includes a program recording area 204 and a data recording area 205.

  The program recording area 204 is an area for recording a program of the Zenginkyo app (national bank association application) executed in the IC chip 133.

  The data recording area 205 includes a cash card information recording area 206, a cardholder related information recording area 207, a transfer card information recording area 208, and an arbitrary information recording area 209.

  The cash card information recording area 206 is an area for recording a bank number, a branch number, a subject, an account number, and the like. The cardholder related information recording area 207 is an area for recording information related to the cardholder (such as an e-mail address). The transfer card information recording area 208 is an area for recording transfer card information (information such as a requester and a recipient). The arbitrary information recording area 209 is an area for recording arbitrary information of the bank. Note that the format (data format) of information recorded in each of these recording areas is defined by specifications established by the National Bank Association.

  In the present embodiment, of the four recording areas included in the data recording area 205, an empty area (unused area) in the transfer card information recording area 208 is used as an area in which information recorded in the magnetic stripe 131 is recorded. use. In this case, in the empty area in the transfer card information recording area 208, the information of the specification area illustrated in FIG. 5 is recorded as the information recorded in the magnetic stripe 131, and a recorded flag is further recorded on the head side. Is done. The recorded flag is recorded as data having a length of one digit (one digit in hexadecimal notation). The information of the magnetic stripe 131 and the recorded flag are written by the card processing unit 60 as will be described in detail later. Note that transfer card information defined by the specifications is recorded in the transfer card information specification area in the transfer card information recording area 208.

  Thus, in this embodiment, an empty area in the transfer card information recording area 208 is used as an area in which information recorded in the magnetic stripe 131 is recorded, but other recording areas (cash card information recording area 206) are used. The empty area in the cardholder related information recording area 207 or the arbitrary information recording area 209) may be used.

  The other recording area 203 is an area for recording programs and data of other applications. Here, the other application is, for example, a biometric authentication application executed on the IC chip 133 or a credit card business application.

Next, an ATM transaction process executed in the automatic transaction apparatus 2 will be described.
7 and 8 are flowcharts illustrating the flow of ATM transaction processing executed in the automatic transaction apparatus according to the embodiment. 9 and 10 are diagrams illustrating a card return screen displayed on the customer display input unit.

  In the automatic transaction apparatus 2, when the power is turned on and initialization processing or the like is performed to enable execution of ATM transaction processing, the main control unit 21 displays a transaction selection screen on the customer display input unit 14. . Various transaction buttons (also referred to as transaction keys) such as “withdrawal”, “deposit”, and “transfer” are displayed on the transaction selection screen, and the customer presses the desired transaction button to select the desired transaction button. Trading can be started.

  If the customer presses a desired transaction button, the main control unit 21 displays a card insertion screen on the customer display input unit 14 and prompts the customer to insert a card into the card insertion unit 11.

  Here, if the customer inserts the integrated card 130 of (4) into the card insertion part 11 in the forward direction, the automatic transaction apparatus 2 starts the ATM transaction process illustrated in FIGS. 7 and 8, the magnetic stripe is described as “MS (Magnetic Stripe)”.

  First, in S701 of FIG. 7, the card processing unit 60 reads (reads) information recorded on the magnetic stripe 131 of the integrated card 130 inserted.

  In step S702, the main control unit 21 determines whether or not a magnetic stripe read error has occurred as a result of the reading in step S701.

If the determination result in S702 is NO, the process proceeds to S801 in FIG.
In S801, the main control unit 21 executes a transaction process corresponding to the transaction button pressed on the above-described transaction selection screen. Since this transaction process is a known process, a description thereof will be omitted.

  In step S <b> 802, the main control unit 21 determines whether the information recorded on the magnetic stripe 131 of the inserted integrated card 130 has been recorded on the IC chip 133 of the integrated card 130. In this example, when the card processing unit 60 can read the recorded flag from the transfer card information recording area 208 of the IC chip 133, the main control unit 21 determines that it has been recorded (YES in S802), and is not so. In this case, the main control unit 21 determines that the recording has not been completed (NO in S802).

  When the determination result in S802 is YES, in S803, the main control unit 21 returns the integrated card 130 inserted from the card insertion unit 11, and ends the ATM transaction process.

  On the other hand, if the determination result in S802 is NO, in S804, the card processing unit 60 reads the information recorded in the magnetic stripe 131 of the inserted integrated card 130 (information recorded in the specification area), and The recorded flag together with the information is written in an empty area in the transfer card information recording area 208 of the IC chip 133 of the integrated card 130 as illustrated in FIG.

  In step S805, the main control unit 21 determines whether the writing in step S804 has been performed normally.

  When the determination result in S805 is YES, in S806, the main control unit 21 returns the integrated card 130 inserted from the card insertion unit 11 and ends the ATM transaction process.

  On the other hand, when the determination result in S805 is NO, in S807, the main control unit 21 displays the card return screen illustrated in FIG. 9 on the customer display input unit 14, and also inserts the integrated card 130 inserted into the card. It returns from the insertion part 11, and complete | finishes an ATM transaction process. The card return screen illustrated in FIG. 9 displays a message indicating that the magnetic stripe (card magnetism) is broken and a message for guiding and guiding the customer to the financial institution for card repair along with the card return message. Is done.

  On the other hand, if the determination result in S702 of FIG. 7 is YES, in S703, the main control unit 21 stores the information recorded on the magnetic stripe 131 of the integrated card 130 inserted, as in S802 of FIG. It is determined whether or not the IC card 133 of the integrated card 130 has been recorded.

  When the determination result in S703 is NO, in S704, the main control unit 21 displays a card return screen (not shown) on the customer display input unit 14 and returns the inserted integrated card 130 from the card insertion unit 11. Then, the ATM transaction process is terminated. On the card return screen displayed in S704, a message indicating that the card cannot be read, a message for guiding and guiding the customer to the financial institution window, and the like are displayed together with a card return message.

  On the other hand, if the determination result in S703 is YES, in S705, the card processing unit 60 reads recorded magnetic stripe information from the transfer card information recording area 208 of the IC chip 133 included in the integrated card 130 inserted. Read and write (overwrite) the information in the magnetic stripe 131 of the integrated card 130. Thereby, the information of the magnetic stripe is restored. Subsequently, S706 is executed.

  In S706, the main control unit 21 displays the card return screen illustrated in FIG. 10 on the customer display input unit 14 and returns the inserted integrated card 130 from the card insertion unit 11 to perform ATM transaction processing. finish. On the card return screen illustrated in FIG. 10, a message indicating that the magnetic stripe (card magnetism) has been repaired and a message prompting the customer to re-transaction are displayed together with a card return message. The contents of the card return screen illustrated in FIG. 10 may be printed on the receipt by the receipt issuance processing unit 70 and discharged from the card insertion unit 11 together with the integrated card 130 to be returned.

  According to such ATM transaction processing, the information recorded in the magnetic stripe 131 is written into the IC chip 133 at the first timing when the information is normally read from the magnetic stripe 131 of the integrated card 130. If an information read error for the magnetic stripe 131 occurs thereafter, the information of the magnetic stripe 131 recorded on the IC chip 133 is written to the magnetic stripe 131 to restore the magnetic stripe 131 (record on the magnetic stripe). Information is repaired). Therefore, even when a read error of the magnetic stripe 131 occurs, the customer can make a transaction.

  In the above-described ATM transaction processing, the case where the integrated card 130 is inserted into the card insertion unit 11 has been described as an example, but the case where the cash card 120 of (3) is inserted into the card insertion unit 11 is also described. The process is performed in the same manner.

  As described above, according to the present embodiment, when a transaction is performed using a magnetic IC card such as the integrated card 130 or the cash card 120, the transaction is performed even when a magnetic stripe read error occurs. It becomes possible. Further, since communication with the host computer is not required for realizing such a mechanism, the mechanism can be realized without modification of an external device.

  In the ATM transaction processing illustrated in FIG. 7 and FIG. 8, in the determination of S703 and S802, when the card processing unit 60 can read the above-mentioned specific information from the transfer card information recording area 208 of the IC chip 133, The main control unit 21 may determine that the recording has been completed (the determination result is YES), and if not, the main control unit 21 may determine that the recording has not been performed (the determination result is NO). In this case, it is not necessary to write or read the recorded flag with respect to the IC chip 133 (transfer card information recording area 208).

  Further, the process may return to S701 after S705 in FIG. Thereby, the customer can continue the transaction without inserting and removing the card.

  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 / withdrawing part 13 Banknote depositing / withdrawing part 14 Display input part for customers 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 Clerk screen display unit 28 Clerk key input unit 29 IO control unit 30 Banknote processing unit 40 Coin processing unit 50 Passbook processing unit 60 Card processing unit 70 Receipt Issuing processing unit 81 Magnetic stripe read / write unit 82 IC chip read / write unit 83 Judgment unit 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 arrow 200 memory 201 OS recording area 202 Zenginkyo APL recording area 203 other recording area 204 program recording area 205 data Recording area 206 Cash card information recording area 207 Cardholder related information recording area 208 Transfer card information recording area 209 Optional information recording area

Claims (6)

An automatic transaction apparatus for executing transaction processing using a card having a magnetic stripe and an IC chip,
A magnetic stripe read / write unit that reads and writes information from and to the magnetic stripe;
An IC chip read / write unit that reads and writes information from and to the IC chip;
A determination unit for determining whether information recorded in the magnetic stripe has been recorded in the IC chip;
With
When the magnetic stripe read / write unit reads information recorded in the magnetic stripe and no read error occurs, the determination unit performs the determination, and the determination result is a determination result that the result is not recorded The IC chip read / write unit writes information read from the magnetic stripe by the magnetic stripe read / write unit to the IC chip.
An automatic transaction apparatus characterized by that. When the magnetic stripe read / write unit reads information recorded on the magnetic stripe and a read error occurs, the determination unit performs the determination, and the determination result indicates that the determination result is recorded. In this case, the magnetic stripe read / write unit writes the recorded information read from the IC chip by the IC chip read / write unit to the magnetic stripe.
The automatic transaction apparatus according to claim 1. When the magnetic stripe read / write unit reads information recorded in the magnetic stripe and no read error occurs, the determination unit performs the determination, and the determination result is a determination result that the result is not recorded The IC chip read / write unit, together with information read from the magnetic stripe by the magnetic stripe read / write unit, a flag indicating that the information recorded in the magnetic stripe has been recorded in the IC chip, Write on IC chip,
The determination unit determines whether the information recorded on the magnetic stripe has been recorded on the IC chip according to whether the flag has been read from the IC chip by the IC chip read / write unit. To
The automatic transaction apparatus according to claim 1 or 2. The determination unit determines whether information recorded on the magnetic stripe has been recorded on the IC chip according to whether specific information is read from the IC chip by the IC chip read / write unit. To
The automatic transaction apparatus according to claim 1 or 2. A magnetic stripe repair method executed in an automatic transaction apparatus that executes transaction processing using a card having a magnetic stripe and an IC chip,
When reading information recorded on the magnetic stripe and reading error does not occur, determine whether the information recorded on the magnetic stripe has been recorded on the IC chip,
If the determination result is a determination result that is not recorded, the information read from the magnetic stripe is written to the IC chip,
When reading information recorded in the magnetic stripe and a read error occurs, it is determined whether the information recorded in the magnetic stripe has been recorded in the IC chip,
If the result of the determination is a determination result that has been recorded, the recorded information read from the IC chip is written to the magnetic stripe;
Magnetic stripe repair method characterized by the above. In a computer of an automatic transaction apparatus that executes transaction processing using a card having a magnetic stripe and an IC chip,
When reading information recorded on the magnetic stripe and reading error does not occur, determine whether the information recorded on the magnetic stripe has been recorded on the IC chip,
If the determination result is a determination result that is not recorded, the information read from the magnetic stripe is written to the IC chip,
When reading information recorded in the magnetic stripe and a read error occurs, it is determined whether the information recorded in the magnetic stripe has been recorded in the IC chip,
If the result of the determination is a determination result that has been recorded, the recorded information read from the IC chip is written to the magnetic stripe;
A magnetic stripe repair program characterized by causing the process to be executed.