JP3949422B2 - Automatic transaction equipment for IC chip mounted cards - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to an automatic transaction apparatus that performs a transaction in response to a user's operation, and more particularly, to an automatic transaction measure for an IC chip mounted card.
[0002]
[Prior art]
An automatic transaction apparatus (hereinafter referred to as ATM) is used for depositing and withdrawing money from a financial institution or the like. In these ATMs, a card such as a credit card, a debit card, or a cash card is used to identify a user's account or the like. These cards have magnetic stripes that record user accounts, passwords, and the like. ATM uses this information to process transactions. In order to be used for a plurality of accounts or transactions, a magnetic stripe may be provided at a plurality of locations such as the top and bottom of the card (hereinafter, this type of card is referred to as “multi-stripe”).
[0003]
In recent years, a card (hereinafter simply referred to as “IC card”) on which a contact-type or non-contact-type IC chip is mounted in addition to a magnetic stripe is becoming widespread. Some cards have both contact and non-contact IC chips. Since these IC chips can record a large amount of information in a small area compared to magnetic stripes, more accounts and transactions can be integrated with a single card than with multi-stripes. Become. In addition, since it is difficult to falsify information, there is an advantage that security is excellent.
[0004]
Since ATM needs to be compatible with both conventional cards and IC cards that do not have an IC chip, ATM uses information on the IC chip in the following procedure. First, the ATM reads information on the magnetic stripe provided on the card. In the magnetic stripe, identification information for determining whether or not the card inserted in the ATM has an IC chip is recorded. The information on the magnetic stripe is read first because the information on the magnetic stripe and the IC chip cannot be read at the same time due to the arrangement of the head inside the ATM, and the magnetic stripe is provided on any card. When it is determined that the card is an IC card based on the identification information, the ATM carries the card, reads the information on the IC chip, and makes a transaction based on the information.
[0005]
[Problems to be solved by the invention]
In the transaction using the IC card, the information on the IC chip is prioritized, and this may impair the convenience of the ATM in practical use. First, even when the information necessary for the transaction can be obtained from the magnetic stripe, the information of the IC chip is read again. Reading an IC chip requires a longer time than reading a magnetic stripe. Therefore, by giving priority to the information of the IC chip, the ATM processing time is prolonged and the convenience is impaired.
[0006]
Secondly, in a multi-strip IC card, it may be necessary to reinsert the card. FIG. 1 is an explanatory diagram illustrating a multi-strip IC card 10. The card 10 is provided with two magnetic stripes 11 and 12 and IC chips 13 and 14 on the upper and lower sides. The IC chip 13 is a contact type, and the IC chip 14 is a non-contact type. When using the magnetic stripe 11, the card is inserted in the forward direction. This state is shown in the middle of the figure. This schematically shows a side cross-section of the card handling mechanism 20. When the card 10 is inserted in the forward direction from the insertion slot 23, the card 10 is transported to the position A. In this process, the information on the magnetic stripe 11 is read by the head 21. Thereafter, the information on the IC chip 13 is read by the head 22 by further transporting the card 10 to the position B. When the card is inserted in the forward direction as described above, the IC chip 13 can be read without inserting the card 10 again.
[0007]
When using the magnetic stripe 12, the card is inserted in the reverse direction. This state is shown in the lower part of the figure. In the insertion state in the reverse direction, the information on the magnetic stripe 12 is read by the head 21 in the process of being conveyed to the position A, as in the forward direction. However, even if it is subsequently transported to position B, the information on the IC chip 13 cannot be read by the head 22. Therefore, when the card is inserted in the reverse direction, when the ATM detects that the IC chip is mounted, it reads the information on the IC chip, so that the card is temporarily ejected and the user can reinsert the card in the forward direction. Prompt. Such re-insertion operation is very complicated for the user.
[0008]
The present invention has been made to solve the various problems described above, and aims to improve the convenience of an IC card in ATM.
[0009]
[Means for Solving the Problems]
In order to solve at least a part of the above problems, in the present invention, in an automatic transaction apparatus, a user can select whether to use information on an IC chip. This selection is performed prior to reading of information recorded on the IC chip. The automatic transaction apparatus according to the present invention performs transaction processing using at least one of the information on the IC chip and the information on the magnetic recording unit based on the selection result.
[0010]
According to the automatic transaction apparatus of the present invention, whether or not to use the information of the IC chip can be switched according to the user's will. Therefore, contrary to the will of the user, it is possible to avoid adverse effects such as reading the IC chip and taking a long time to process, or requiring re-insertion of the card to read the IC chip. be able to.
[0011]
Selection by the user can be performed in various ways. For example, it may be directly selected whether or not to use an IC chip, or may be selected in association with transaction contents and an account. The latter mode can be realized, for example, by presenting the user with a menu listing transaction contents in association with the availability of the IC chip. Moreover, you may take the aspect which shows a user the menu for selecting the transaction for the account recorded on the magnetic-recording part, and the transaction for the other account. Thus, by presenting the menu associated with the transaction and the account, the user can easily determine and select the necessity of using the IC chip. In these menus, the advantages of using an IC chip may be presented together.
[0012]
Selection by the user can be made at various times in the transaction process. For example, the selection may be made in the initial menu before starting the transaction. This includes selections before or after the card is inserted. By selecting first, the process can be simplified. Alternatively, the selection may be made after it is detected that the IC chip is mounted on the card. In this way, for a card having only a magnetic recording unit, a transaction can be completed quickly without asking whether or not an IC chip can be used.
[0013]
The transaction processing in the present invention is not necessarily limited to those involving cash exchange. For example, transfer from a specific account to another account, debit card settlement, issuance of a certificate by a public institution, and the like are also included. Accordingly, the automatic transaction apparatus according to the present invention is configured as a so-called ATM or cash dispenser that is installed in a financial institution or the like that can deposit and withdraw cash, and is configured as an apparatus that realizes transactions in a system connected to a client computer via a network. You can also In such a system, the automatic transaction apparatus according to the present invention is configured as a server on a network, and implements transaction processing in accordance with various instructions input from a client computer via the network. The client computer is provided with a card reader capable of reading information on the IC card, and the automatic transaction apparatus acquires information from the IC card by transmitting a control signal via the network.
[0014]
The present invention can further take various aspects. For example, the present invention may be configured as a control method for realizing the functions of the automatic transaction apparatus described above, or as a computer program for causing a computer to realize such functions. It may be configured. Furthermore, you may comprise as a storage medium which memorize | stored such a computer program. Here, as a storage medium, a flexible disk, a CD-ROM, a DVD, a magneto-optical disk, an IC card, an IC chip, a ROM cartridge, a punch card, a printed matter on which a code such as a barcode is printed, an internal storage device of a computer ( Various types of media that can be read by a computer such as an optical storage device, a memory device such as a RAM and a ROM, and an external storage device can be used.
[0015]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described in the following items.
A. First embodiment:
A1. overall structure:
A2. Configuration variations:
A3. Deposit / withdrawal processing:
A4. Deposit / withdrawal processing (modification):
B. Second embodiment:
[0016]
A. First embodiment:
A1. overall structure:
FIG. 2 is an explanatory diagram showing a schematic configuration of an automatic transaction apparatus as an embodiment. The automatic transaction apparatus is an apparatus that is installed in a financial institution such as a bank and performs unattended payment processing in response to a user operation. Examples of the deposit / withdrawal process include deposits in the user's account, withdrawals from the account, and loans. In the following embodiments, an automatic transaction apparatus will be described taking the case of performing deposit / withdrawal processing as an example, but the automatic transaction apparatus as an embodiment is an apparatus that performs transactions other than deposit / withdrawal such as certificate issuance at public institutions. It is also possible to configure.
[0017]
The automatic transaction apparatus (hereinafter referred to as ATM) 100 according to the embodiment is compatible with a card (hereinafter referred to as an IC card) on which an IC chip is mounted in addition to a magnetic stripe. A so-called multi-striped card having a plurality of magnetic stripes can also be supported. The schematic configuration of the IC card is as shown in FIG. The IC chip may be either a contact type or a non-contact type.
[0018]
The ATM 100 is provided with the following units as shown in the figure. The card handling mechanism 105 is the same mechanism as the card handling mechanism 20 described above with reference to FIG. 1, and has a function of reading information recorded on the magnetic stripe and IC chip of the IC card. The information recorded on the card includes, for example, an account number and a password as account designation information for specifying a customer account. Account designation information for one account is recorded on each magnetic stripe, and a plurality of account designation information is recorded on the IC chip. Identification information for indicating the card type is also recorded in each magnetic stripe. This identification information has contents that can uniquely identify whether or not an IC chip is mounted and the card insertion direction in the multi-strip.
[0019]
The operation unit 103 is an interface for performing information display for deposit / withdrawal transactions and operation input for deposit / withdrawal. In this embodiment, a touch panel is used, but a combination of a display and a push button switch may be used.
[0020]
Exchange of banknotes with the user is performed through the banknote deposit / withdrawal port 107. At the time of depositing, the banknote inserted by the user into the banknote depositing / dispensing port 107 is discriminated by the built-in banknote handling apparatus 110 and classified and stored for each denomination. At the time of withdrawal, the banknote handling device 110 prepares banknotes for the amount designated by the user, and delivers them to the user from the banknote deposit / withdrawal port 107. The statement slip issuing mechanism 106 issues a statement slip that records the contents of these transactions.
[0021]
The ATM 100 is not limited to the configuration illustrated here, and various units can be provided. For example, a unit for handling a passbook may be provided in addition to the above unit.
[0022]
The operation of each unit of the ATM 100 described above is controlled by the control unit 120. The control unit 120 is configured as a microcomputer having a CPU and a memory therein. The control unit 120 exchanges information with each unit and controls the operation of the entire ATM 100 as indicated by arrows in the figure. The ATM 100 is connected to a host computer 200 of a financial institution via a communication line. The control unit 120 executes processing related to deposit / withdrawal while appropriately communicating with the host computer 200.
[0023]
In the figure, functional blocks related to deposit / withdrawal processing in the control unit 120 are also shown. In this embodiment, each functional block is configured by software in the control unit 120 and controlled by the main control unit 125. Each functional block may be configured in hardware.
[0024]
The card information input unit 123 controls the card handling mechanism 105 to input card information. The card information input unit 123 includes an MS input unit 123a that controls information input from the magnetic stripe and an IC input unit 123b that controls information input from the IC chip. The card information input unit 123 uses both in accordance with an instruction from the main control unit 125. Information input from the card is transferred via the main control unit 125 to the deposit / withdrawal processing unit 122 that controls the entire deposit / withdrawal process.
[0025]
The instruction input / output unit 121 controls the operation unit 103 to input menus and other screen displays for the user to operate and the search results. The input information is transferred to the deposit / withdrawal processing unit 122 via the main control unit 125. The deposit / withdrawal processing unit 122 appropriately transmits these pieces of information to the host computer 200 via the communication unit 124 to perform deposit / withdrawal processing. Further, in the case of a transaction involving cash exchange, the deposit / withdrawal processing unit 122 controls the banknote handling device 110 to exchange cash.
[0026]
The deposit / withdrawal process in this specification does not necessarily involve cash exchange. For example, transfer of money amount information such as transfer from a user's account to another account is also included in the deposit / withdrawal process.
[0027]
A2. Configuration variations:
FIG. 2 shows a configuration example as a so-called ATM installed in a financial institution or the like. As described above, since the deposit / withdrawal process includes a process that does not necessarily involve cash exchange, the automatic transaction apparatus of the present invention can be configured as a server installed on the network.
[0028]
FIG. 3 is an explanatory view showing a schematic configuration of an automatic transaction apparatus 120A as a modified example. The automatic transaction apparatus 120A is configured as a Web server connected to the Internet INT. A user client computer 300 is connected to the Internet INT, and the automatic transaction apparatus 120A exchanges information with the client computer 300 to realize various transactions.
[0029]
The client computer 300 can use a general-purpose personal computer having a network access function. A card reader 301 is connected to the client computer 300, and information can be read from the card 10 equipped with a magnetic stripe and an IC chip. The client computer 300 is installed with a browser for browsing a Web page provided in a language such as HTML, and exchanges information necessary for the transaction via the Web page provided by the automatic transaction apparatus 120A. . Examples of information transmitted from the client computer 300 to the automatic transaction apparatus 120A include information read from the card 10 and various investigation results relating to transactions such as designation of accounts and amounts. Information transmitted from the automatic transaction apparatus 120A to the client computer 300 includes an operation screen given in the form of a Web page, a control signal for controlling the operation of the card reader 301, and the like.
[0030]
In the automatic transaction apparatus 120A, functional blocks similar to the ATM shown in FIG. The operation is controlled by the main controller 125A. The communication unit 124A manages information exchange with the Internet INT.
[0031]
The card information input unit 123 </ b> A controls information input from the card 10 by transmitting a control signal of the card reader 301 to the client computer 300. The card information input unit 123A switches and executes information input from the magnetic stripe of the card 10 and information input from the IC chip in accordance with an instruction from the main control unit 125A.
[0032]
The instruction input / output unit 121A presents an operation screen in the form of a Web page to the client computer 300 and inputs an operation result based on a click of a mouse or the like. The deposit / withdrawal processing unit 122A executes the deposit / withdrawal process based on the user's operation or the like. As with the ATM shown in FIG. 2, the deposit / withdrawal process may be performed by communication with a separately prepared host computer, or may be performed independently in the automatic transaction apparatus 120A.
[0033]
In the following deposit / withdrawal processing, for convenience of explanation, the ATM shown in FIG. 2 will be described as an example. However, each processing can be realized as it is even in the configuration of the modification shown in FIG.
[0034]
A3. Deposit / withdrawal processing:
FIG. 4 is a flowchart of the deposit / withdrawal process. This process is executed by the control unit 120 in response to the card insertion. When the control unit 120 detects the insertion of the card, first, information on the magnetic stripe (MS) is input (step S10). As described above, identification information indicating the card type is recorded in the magnetic stripe along with the account information. The control unit 120 determines whether it is an IC card based on this identification information (step S11).
[0035]
If it is determined that there is no IC chip, a transaction using only the magnetic stripe information is executed. In this case, a menu for selecting transaction items such as deposit and withdrawal is presented without questioning the user as to whether or not the information on the IC chip can be used, and the selection result is input (step S16). The menu example W4 for selecting a transaction subject was illustrated in the figure. In this way, a list of transaction items that can be executed by the magnetic stripe is displayed on the operation unit 103. As illustrated, the account information “account A” recorded in the magnetic stripe may be presented together. By this display, it is possible to avoid a transaction in an account that is not intended by the user.
[0036]
When a transaction item is input, the control unit 120 inputs transaction information such as a password and an amount according to the transaction content (step S17), and performs deposit / withdrawal processing (step S18). The deposit / withdrawal process differs depending on the transaction item, and includes, for example, communication of deposit / withdrawal information to the account to be traded to the host computer 200, creation of a transaction statement, entry in a passbook, cash transfer, etc. It is. When the deposit / withdrawal process is completed in this way, the control unit 120 ejects the card (step S19).
[0037]
On the other hand, if it is determined in step S11 that the inserted card is an IC card, the control unit 120 presents the user with a menu for selecting whether to use information on the IC chip. The selection result is input (step S12).
[0038]
Examples of such menus W1 and W2 are illustrated in the figure. The menu W1 is a type of menu for directly selecting whether or not to use an IC chip. The menu W2 is a type of menu that is selected in a form associated with a trading account. In the menu W2, a button for selecting “Account A” recorded in the magnetic stripe and a button for selecting “Other Account” are displayed. Selecting “other account” is synonymous with selecting use of an IC chip. Any of these menus may be used. Other menus can also be used. The menu for selecting whether or not an IC chip can be used may present an advantage of using the IC chip. As such an advantage, an electronic passbook function capable of recording transaction information in an IC chip can be used.
[0039]
When the selection that the IC chip is not used is performed (step S13), the transaction using only the information on the magnetic stripe is performed (steps S16 to S19). When the selection to use the IC chip is made (step S13), the transaction using the information of the IC chip is performed as shown below.
[0040]
The control unit 120 reads the information of the IC chip, presents a menu for selecting a tradeable account and a trade item, and inputs a selection result (step S14). A menu example W3 for selection is illustrated in the figure. Since a plurality of account information is recorded on the IC chip, a plurality of accounts to be traded are listed. Some of the accounts listed here may overlap with the account A recorded in the magnetic stripe. The user selects an account to be traded from the accounts listed in the left column, and selects a desired transaction from the transaction items listed in the right column. Here, the case where the account and the transaction subject are presented on one screen is illustrated, but a menu to be selected step by step may be presented. That is, it is possible to adopt a form in which a menu listing only the accounts is presented first, and then a menu listing the transaction items that can be executed for the account selected on this screen is presented.
[0041]
Thus, when the account and the transaction item to be traded are input, the control unit 120 inputs the information of the IC chip and performs an authentication process (step S15). The authentication process includes, for example, a process of confirming the validity of the IC card based on information recorded on the IC chip. Since it is difficult to forge an IC chip, the security of transactions using an IC card can be improved through this authentication process.
[0042]
When the authentication of the IC card is completed, the control unit 120 performs transaction information input and deposit / withdraw processing (steps S17 and S18), and discharges the card when all processing is completed (step S19).
[0043]
According to the automatic transaction apparatus as the first embodiment described above, the user can select whether or not the IC chip can be used. Accordingly, reading of the IC chip is performed regardless of the user's will, and it can be avoided that the processing takes a long time.
[0044]
In the first embodiment, whether or not the IC chip can be used is selected after it is determined by the identification information that the card is an IC card (step S11). Thereby, when it is not an IC card, the operation of selecting whether or not the IC chip can be used can be omitted, and the processing can be simplified and the period can be shortened. Of course, by omitting the process of step S11, it may be possible to adopt a configuration for selecting whether or not the card is usable regardless of whether or not the card is an IC card.
[0045]
A4. Deposit / withdrawal processing (modification):
In the deposit / withdrawal process (FIG. 4) of the first embodiment, the process in which the magnetic stripe is directed to a single card is exemplified. Next, as a modification, a deposit / withdrawal process for a multi-striped card is illustrated.
[0046]
FIG. 5 is a flowchart of a deposit / withdrawal process as a modified example. The processing after the selection to use the IC chip is different from the first embodiment (FIG. 4). Even in the case of multi-stripes, the processing (step S16) in the case where the card is not mounted with an IC chip (step S11) and when the IC chip is not used (step S13) is the same as in the first embodiment (FIG. 4). It is. In the case of multi-stripes, the only difference is that the magnetic stripes used for transactions are properly used according to the card insertion direction.
[0047]
When selection to use an IC chip is made in multi-stripe (step S13), the control unit 120 checks whether or not the card insertion direction is the reverse direction (step S13a). This confirmation can be performed based on the identification information input in step S10. If the card is inserted in the forward direction, the same depositing / withdrawing process as in the first embodiment is executed (steps S14 to S17).
[0048]
When the card is inserted in the reverse direction, the information on the IC chip cannot be read as described above with reference to FIG. Accordingly, the control unit 120 ejects the card once and instructs reinsertion in the forward direction (step S13b). The re-insertion instruction screen example W5 is shown in the figure. This instruction is repeated until the card is inserted in the forward direction. When the card is inserted in the forward direction, the control unit 120 executes the same deposit / withdrawal process as in the first embodiment (steps S14 to S17).
[0049]
Here, the case of waiting for insertion in the forward direction has been exemplified, but the card may be ejected once and reinsertion in the forward direction is instructed (step S13b) to complete the deposit / withdrawal process. When the user reinserts the card in the forward direction, the flowchart illustrated in FIG. 5 may be executed again from the beginning.
[0050]
According to the process of the modification, the user can select whether or not the IC chip can be used even for a multi-striped card, and the process can be shortened.
[0051]
B. Second embodiment:
In the first embodiment and its modifications, the case where the use of an IC chip is selected in the transaction process after the card is inserted is illustrated. The selection of availability can be performed in an initial menu for starting a transaction. The deposit / withdrawal process in this case is illustrated as a second embodiment. The hardware configuration of the automatic transaction apparatus as the second embodiment is the same as that of the first embodiment (FIG. 2) or its modification (FIG. 3). In the following, for convenience of explanation, the processing content is shown based on the configuration of the first embodiment (FIG. 2).
[0052]
FIG. 6 is a flowchart of the deposit / withdrawal process as the second embodiment. The control unit 120 presents an initial menu screen on which the availability of the IC chip can be selected regardless of whether or not a card is inserted, and inputs the selection result (step S20).
[0053]
An initial menu example W6 is shown in the figure. Transaction items using IC chips are listed in the left column, and transaction items not using IC chips are listed in the right column. In this embodiment, only when an IC chip is used, “transfer” and “loan” are possible, and the transaction item is made different depending on whether the IC chip can be used. However, such a difference is not provided. Also good. Here, the initial menu in which the transaction items are associated with the availability of the IC chip is presented, but the menus W1 and W2 exemplified in the first embodiment (FIG. 4) can also be used as the initial menu.
[0054]
Next, the control unit 120 accepts card insertion and inputs information recorded in the magnetic stripe (step S21). The card may be inserted either before or after the selection of availability (step S20).
[0055]
In the initial menu, when the user has selected a transaction that does not use an IC chip (step S22), the control unit 120 performs a transaction using only information on the magnetic stripe (steps S26 to S29). Since these processes are the same as steps S16 to S19 in the first embodiment, description thereof will be omitted.
[0056]
In the initial menu, when the user has selected a transaction using an IC chip (step S22), the control unit 120 determines whether or not the IC chip is available (step S23). . For example, when a card without an IC chip is inserted, or when a multi-striped card is inserted in the reverse direction, it is determined that the information of the IC chip cannot be used. In such a case, a transaction using information recorded on the magnetic stripe is performed (steps S26 to S29). By doing so, there is an advantage that the transaction can be continued without forcing the user to perform an operation such as reinserting the card.
[0057]
Instead of the transaction based on the magnetic stripe information, a display that the IC chip information cannot be used may be displayed and the card may be ejected (step S23a). When displaying that the information of the IC chip cannot be used, it is preferable to give reasons such as “IC is not mounted” or “Multi-stripe is inserted in the reverse direction”.
[0058]
If it is determined in step S23 that the IC chip is usable, the control unit 120 executes a deposit / withdrawal process using the information (steps S24 to S29). Since these processes are the same as steps S14 to S19 in the first embodiment (FIG. 4), description thereof is omitted.
[0059]
According to the automatic transaction apparatus of the second embodiment, the user can select whether or not the information on the IC chip can be used as in the first embodiment.
[0060]
【The invention's effect】
According to the present invention, whether or not to use information on an IC chip can be switched according to the will of the user. Therefore, contrary to the will of the user, it is possible to avoid adverse effects such as reading the IC chip and taking a long time to process, or requiring re-insertion of the card to read the IC chip. be able to.
[Brief description of the drawings]
FIG. 1 is an explanatory diagram illustrating a multi-strip IC card 10;
FIG. 2 is an explanatory diagram showing a schematic configuration of an automatic transaction apparatus as an embodiment.
FIG. 3 is an explanatory diagram showing a schematic configuration of an automatic transaction apparatus 120A as a modified example.
FIG. 4 is a flowchart of deposit / withdrawal processing.
FIG. 5 is a flowchart of a deposit / withdrawal process as a modified example.
FIG. 6 is a flowchart of deposit / withdrawal processing as a second embodiment.
[Explanation of symbols]
10 ... card
11, 12 ... Magnetic stripe
13, 14 ... IC chip
20 ... Card handling mechanism
21, 22 ... Head
23 ... Insertion slot
100 ... Automatic transaction device
103 ... operation unit
105: Card handling mechanism
106 ... statement issuance mechanism
107: Banknote deposit / withdrawal port
110 ... bill handling device
120 ... Control unit
120A ... Automatic transaction device
121, 121A ... Instruction input / output unit
122, 122A ... Deposit / withdrawal processing unit
123, 123A: Card information input section
124, 124A ... Communication unit
125, 125A ... main control unit
200: Host computer
300: Client computer
301 ... Card reader

Claims (4)

An automatic transaction device that uses a card with an IC chip and a magnetic recording unit and performs transactions in response to user operations,
A menu for selecting the first transaction for the account recorded in the magnetic recording unit and the second transaction for the other account is presented to the user, and the user An instruction input unit for inputting a transaction selection instruction;
In response to the insertion of the card, information is read from at least one of the IC chip and the magnetic recording unit of the card, and the card is held in the automatic transaction apparatus until all information necessary for at least one transaction is read. And
Using the read information, a transaction processing unit that performs the transaction process;
With
The information input unit reads the information of the magnetic recording unit prior to the presentation of the menu, and when the selection instruction instructs the selection of the first transaction, the information input unit does not read the information from the IC chip. An automatic transaction apparatus that reads information from the IC chip when the selection instruction indicates selection of the second transaction. The automatic transaction apparatus according to claim 1, wherein
The instruction input unit is an automatic transaction apparatus that inputs the instruction through an initial menu presented to the user. The automatic transaction apparatus according to claim 1, wherein
The instruction input unit is an automatic transaction apparatus that inputs the instruction after it is detected that an IC chip is mounted on the card. The automatic transaction apparatus according to claim 1, wherein
The magnetic storage unit of the card includes a first magnetic storage unit that is readable when the card is inserted in a first direction, and a second magnetic unit that is readable when the card is inserted in a second direction. Including a storage unit,
The IC chip of the card is readable when the card is inserted in the first direction,
In the case where the card is inserted in the second direction, when the information input section does not need to be read out information from the IC chip, said card in said first direction relative to the user An automatic transaction apparatus that does not perform re-insertion processing that prompts re-insertion, and performs the re-insertion processing when the information input unit needs to read information from the IC chip.

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