JP5061801B2 - Automatic transaction device authentication switching system - Google Patents

Description

  The present invention relates to a system for switching an authentication method of an automatic transaction apparatus when a failure occurs.

  Conventionally, customers who have opened accounts at financial institutions such as banks, credit unions, post offices, etc. are ATMs (Automatic Teller Machines) and CDs (Cash Dispensers) installed at branches of the financial institutions. When operating an automatic transaction apparatus such as an automatic payment machine, a cash card is used. The cash card includes a magnetic card having a magnetic stripe as storage means for storing information such as an account number and an IC card having an IC as the storage means.

  However, not all automatic transaction devices are compatible with IC cards, and there are also automatic transaction devices that are capable of accepting only magnetic cards and cannot accept IC cards. In addition, not all cash cards are IC cards, and magnetic cards that do not have an IC are also used by many customers.

  Therefore, the IC card is also provided with a magnetic stripe so that it can be used in an automatic transaction apparatus that does not support the IC card. In addition, an IC card-compatible automatic transaction apparatus that can accept an IC card also reads, overwrites, and erases information stored in the magnetic stripe, that is, magnetic data so that the magnetic card can be accepted. A card reader / writer that can be used is provided (for example, see Patent Document 1).

  When the cash card is inserted into the card slot, the IC card compatible automatic transaction apparatus first reads the magnetic data stored in the magnetic stripe, and information indicating that the IC card is in the magnetic data. If it is included, processing for handling as an IC card is executed.

The IC card compatible automatic transaction apparatus is connected to a basic authentication server provided in a computer center of a financial institution or the like. When processing for handling as an IC card is executed, authentication information such as biometric authentication information stored in the IC of the IC card is transmitted from the automatic transaction apparatus to the basic authentication server, and the basic authentication server Basic authentication based on information is performed. Here, basic authentication refers to a method of authenticating with a host (server), and a method of authenticating within a conventional ATM (SAM) is referred to as elapsed period authentication.
JP 2003-132228 A

  However, in the conventional automatic transaction apparatus, if some kind of failure occurs in the basic authentication server, the basic authentication cannot be performed, so that the financial transaction using the IC card cannot be executed.

  The present invention solves the above-mentioned conventional problems, and in the event that a failure occurs in the basic authentication server, the automatic transaction apparatus is configured to execute a financial transaction based on the magnetic data stored in the magnetic stripe of the card. An object of the present invention is to provide an automatic transaction apparatus authentication switching system capable of executing a financial transaction using magnetic data stored in a magnetic stripe even if basic authentication cannot be performed by changing the setting. And

Therefore, in the automatic transaction apparatus authentication switching system of the present invention, the card handling unit capable of reading and writing the magnetic data and IC data of the card including the magnetic stripe and the IC, and the customer operation for receiving the operation of the customer of the financial institution. An automatic transaction device that is operated by a customer to perform financial transactions, a basic authentication server that is connected to the automatic transaction device and performs basic authentication based on authentication information included in the IC data, and the basic authentication An automatic transaction apparatus authentication switching system, which is connected to a server and an automatic transaction apparatus and has a monitoring server that monitors the basic authentication server and the automatic transaction apparatus, wherein the monitoring server is connected to the basic authentication server via a management server. When a failure is detected, the setting of the automatic transaction apparatus is changed, and a financial transaction based only on the magnetic data can be executed.

  In another automatic transaction apparatus authentication switching system of the present invention, the monitoring server further changes the type of financial transaction that can be executed by changing the setting of the automatic transaction apparatus.

  In still another automatic transaction apparatus authentication switching system of the present invention, the monitoring server further changes the transaction limit by changing the setting of the automatic transaction apparatus.

  According to the present invention, the automatic transaction apparatus authentication switching system is configured such that when a failure occurs in the basic authentication server, the automatic transaction apparatus is configured to execute a financial transaction based on the magnetic data stored in the magnetic stripe of the card. Change the setting. As a result, even if the customer cannot perform basic authentication based on the authentication information stored in the IC of the card, the customer operates the automatic transaction apparatus and based on the magnetic data stored in the magnetic stripe of the card. Financial transactions can be executed.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a diagram showing a configuration of an automatic transaction apparatus authentication switching system according to an embodiment of the present invention.

  In the figure, 11 is an automatic transaction apparatus such as ATM, CD, etc. installed at a branch of a financial institution such as a bank, a credit union, a post office, etc. It is a device for using financial services such as withdrawal, passbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting. The automatic transaction apparatus 11 is a store of a store such as a convenience store, a supermarket, a department store, an underground mall, a station premises, a city hall, a public facility such as a hospital, a private company such as a factory or an office, a parking lot, a roadside ( It may be arranged outdoors such as aside). The automatic transaction apparatus 11 is a multifunction terminal such as a kiosk terminal having other functions such as a ticket reservation function, a product purchase application function, a credit card credit confirmation function, a facility information guidance function, and the like. There may be. The customer is a person who opens his / her own account at a financial institution and uses the financial service, and is generally an individual, but may be a company, an organization, or the like.

  Here, the automatic transaction apparatus 11 is a computer including a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication means, etc., and is used as a bill deposit / withdrawal unit, a coin deposit / withdrawal unit, and a card handling unit. Card reader / writer, bankbook entry unit, customer operation unit for accepting customer operations, control unit, and the like.

  The banknote deposit / withdrawal unit has a mechanism for a customer to put and remove banknotes into / from the automatic transaction apparatus 11 and a mechanism for counting banknotes in the automatic transaction apparatus 11. Then, the banknotes received from a banknote deposit / withdrawal port (not shown) in a financial transaction such as deposit are received and counted, and a predetermined amount of banknotes is paid out from the banknote deposit / withdrawal port in a financial transaction such as withdrawal.

  The coin deposit / withdrawal unit has a mechanism for a customer to put coins in and out of the automatic transaction apparatus 11 and a mechanism for counting coins in the automatic transaction apparatus 11. Then, in the financial transaction such as deposit, the customer receives and counts the coins deposited from a coin deposit / withdrawal port (not shown), and pays out a predetermined amount of coins from the coin deposit / withdrawal port in the financial transaction such as withdrawal.

  Further, the card reader / writer reads and writes data on a card 17 such as a cash card as a medium possessed by the customer. Here, the card 17 is a card for performing financial transactions such as deposit, withdrawal, transfer, balance inquiry, etc. issued to the customer by the financial institution, and the customer's name, financial institution name, store number, account It is assumed that the IC card is a type equipped with an IC as a storage means for storing information such as a number, and is a type corresponding to so-called basic type authentication. The IC card is also provided with a magnetic stripe so that it can be used in an automatic transaction apparatus that does not support the IC card. In this case, the magnetic stripe stores information such as the customer's name, financial institution name, store number, and account number, as well as information indicating an IC card.

  The IC stores information necessary for executing IC card access as processing for handling as an IC card. Here, it is assumed that the identity of the customer is confirmed using biometric authentication information in the IC card access. The IC stores biometric authentication information for verifying the identity of the customer in advance. The biometric authentication information is, for example, an iris, a fingerprint, a palm vein pattern, a finger vein pattern, etc., but is biometric authentication information that can identify the person using biological characteristics, that is, biometric authentication information. However, in the case of a palm vein pattern or a finger vein pattern, it is desirable to characterize and encrypt the palm vein pattern or finger vein pattern and register it in the IC. Further, it is desirable that the expiration date of the biometric authentication information and the lifetime of the IC card itself are also stored in the IC.

  The card reader / writer includes a card slot into which the card 17 is inserted. In the card slot, a transport device for transporting the card 17, a magnetic head for reading, writing, erasing, etc. of magnetic data as information stored in the magnetic stripe of the card 17, An IC head for reading, writing, and erasing IC data as information stored in the IC is provided. Further, the card reader / writer has a transaction statement slip in which transaction details are described, that is, a mechanism for issuing a receipt, and a mechanism capable of holding the card 17 accepted for insertion by the automatic transaction apparatus 11.

  Further, the passbook entry unit prints the contents of the transaction on a passbook inserted by a customer from a passbook slot (not shown). Here, the bankbook is a booklet medium such as a bankbook issued by a financial institution to a customer, and records of financial transactions such as deposits, withdrawals, transfers, transfers, remittances, and periodic deposit settings are printed. It is what is done. The front cover or back cover of the passbook is provided with a magnetic stripe for storing account data such as a customer's name, financial institution name, branch name, and account number, and data such as a personal identification number as magnetic data. The passbook entry unit has a mechanism capable of reading and writing magnetic data in the passbook, and a mechanism capable of holding the passbook accepted by the automatic transaction apparatus 11.

  Further, the customer operation unit includes an input device such as a keyboard and a touch panel, a display device such as a CRT, a liquid crystal display and an LED (Light Emitting Diode) display, a voice input device such as a microphone for inputting a customer's voice, and voice guidance. A voice output device such as a speaker, a biometric authentication information acquisition device such as a vein pattern reading device, and the like. Note that the display device is preferably a touch panel having both functions of an input device. The customer operation unit guides an operation to a customer and receives a customer operation. In this case, the customer operation unit displays function keys as selection means for causing the customer to select information necessary for the transaction, and a message for prompting the customer to perform an operation on the display device according to an instruction from the control unit. Further, the customer operation unit detects that the customer touches the function key or the like, converts the detected content, and notifies the control unit.

  Moreover, the said control part comprehensively controls operation | movement of the whole automatic transaction apparatus 11 including operation | movement of the said card reader / writer, a passbook entry part, a banknote depositing / withdrawing part, a coin depositing / withdrawing part, and a customer operation part. Further, the control unit also includes a transaction message transmission unit that creates and transmits a transaction message.

  The automatic transaction apparatus 11 is connected to a billing host computer 13 managed by a financial institution via an automatic transaction apparatus gateway (GW) 14. The accounting host computer 13 includes a calculation unit such as a CPU and an MPU, a storage unit such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and functions as an accounting system host device that executes financial transaction processing in a financial institution, Carry out account-related operations at financial institutions. And the said automatic transaction apparatus 11 performs the process of financial transactions, such as deposit, withdrawal, bankbook entry, balance inquiry, transfer, transfer, remittance, time deposit setting, by communicating with the account host computer 13 To do.

  The automatic transaction apparatus 11 is connected to a basic authentication server 12 disposed in a computer center of a financial institution via an automatic transaction apparatus gateway 14. The basic authentication server 12 includes a calculation means such as a CPU and an MPU, a storage means such as a semiconductor memory and a magnetic disk, a communication interface, etc., and processing for handling the card 17 as an IC card in the automatic transaction apparatus 11 is executed. Then, authentication information such as biometric authentication information stored in the IC of the card 17 is received from the automatic transaction apparatus 11, and basic authentication based on the received authentication information is performed to authenticate the card 17. When the card 17 is authenticated, an authentication result is transmitted to the accounting host computer 13. Thereby, the automatic transaction apparatus 11 starts a financial transaction using the card 17.

  The basic authentication server 12 is connected to a management server 15 disposed in a computer center of a financial institution. The management server 15 includes arithmetic means such as a CPU and MPU, storage means such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and monitors the basic authentication server 12.

  Further, the management server 15 is connected to the monitoring server 16. The monitoring server 16 includes arithmetic means such as a CPU and MPU, storage means such as a semiconductor memory and a magnetic disk, a communication interface, and the like, and monitors the management server 15. Since the monitoring server 16 is connected to the basic authentication server 12 via the management server 15, the monitoring server 16 also monitors the basic authentication server 12 via the management server 15. Furthermore, the monitoring server 16 is connected to the automatic transaction apparatus 11 and monitors the operating status of the automatic transaction apparatus 11 and the remaining amount of consumables such as paper in the automatic transaction apparatus 11. Note that the monitoring server 16 is not necessarily configured separately from the management server 15, and may be configured integrally with the management server 15.

  The monitoring server 16 may be operated and managed by a financial institution, but may be operated and managed by a person other than the financial institution, for example, a third party such as a service agent. . In this case, the third party may be any person such as an individual, a corporation, an organization, or the like as long as the third party monitors the automatic transaction apparatus 11 and the monitoring server 16 on behalf of the financial institution.

  Next, the operation of the automatic transaction apparatus authentication switching system configured as described above will be described. First, the normal operation in which no failure has occurred in the basic authentication server 12 will be described.

  FIG. 2 is a flowchart showing the normal operation of the automatic transaction apparatus authentication switching system according to the embodiment of the present invention.

  First, the automatic transaction apparatus 11 displays a transaction selection screen on the display device of the customer operation unit. The transaction selection screen can select a financial transaction such as deposit or withdrawal by touching a function key or the like. When the customer selects a desired financial transaction, the automatic transaction apparatus 11 causes the display device to display a message that prompts the user to insert the card 17 into the card slot.

  Subsequently, the customer inserts the card 17 possessed by the customer into the card slot of the automatic transaction apparatus 11. Then, the automatic transaction apparatus 11 causes the card reader / writer to read the magnetic data stored in the magnetic stripe of the card 17. When the magnetic data includes information indicating that the card is an IC card, the automatic transaction apparatus 11 authenticates the authentication information such as biometric information stored in the IC of the card 17 in the card reader / writer, that is, the IC Read authentication data. In this way, the automatic transaction apparatus 11 reads the IC authentication data from the card 17.

  Subsequently, the automatic transaction apparatus 11 creates a transaction message, and transmits the transaction message together with the IC authentication data to the automatic transaction apparatus gateway 14. Then, the transaction message and IC authentication data are transmitted from the automatic transaction apparatus gateway 14 to the basic authentication server 12.

  Subsequently, the basic authentication server 12 that has received the transaction message and the IC authentication data performs basic authentication based on the authentication information and collates the card 17 to determine whether or not the card 17 is genuine.

  If the card 17 is genuine, the basic authentication server 12 transmits the authentication result to the account host computer 13 together with the transaction message and IC authentication data. That is, the authentication result is notified to the accounting host computer 13. As a result, transactions can be made with the automatic transaction apparatus 11, and the automatic transaction apparatus 11 starts a financial transaction based on the authentication information stored in the IC of the card 17 by communicating with the accounting host computer 13. .

  If the card 17 is not authentic, the basic authentication server 12 transmits an authentication error display instruction to the automatic transaction apparatus 11. Then, the automatic transaction apparatus 11 controls a customer operation part, and displays the display screen of a card handling impossible display on a display apparatus. Then, the automatic transaction apparatus 11 controls the card reader / writer to eject the card 17 from the card slot and ends the process.

Next, a flowchart will be described.
Step S1: The card 17 is inserted into the automatic transaction apparatus 11.
Step S2 The automatic transaction apparatus 11 reads the IC authentication data from the card 17.
Step S3: The transaction message and IC authentication data are transmitted to the automatic transaction apparatus gateway 14.
Step S4 The transaction message and IC authentication data are transmitted from the automatic transaction apparatus gateway 14 to the basic authentication server 12.
Step S5: It is determined whether or not the card 17 is genuine. If the card 17 is genuine, the process proceeds to step S6, and if the card 17 is not genuine, the process proceeds to step S8.
Step S6: The authentication host computer 13 is notified of the authentication result.
Step S7: Transactions with the automatic transaction apparatus 11 become possible, and the process ends.
Step S8 An authentication error display instruction is transmitted to the automatic transaction apparatus 11, and the process is terminated.

  Next, the operation at the time of failure in which a failure has occurred in the basic authentication server 12 will be described.

  FIG. 3 is a flowchart showing the operation at the time of failure of the automatic transaction apparatus authentication switching system according to the embodiment of the present invention.

  When a failure occurs in the basic authentication server 12, the management server 15 monitoring the basic authentication server 12 detects the failure. The monitoring server 16 that monitors the management server 15 senses the failure via the management server 15.

  Then, the monitoring server 16 communicates with the automatic transaction apparatus 11 and changes the setting of the automatic transaction apparatus 11 so that the financial transaction can be performed based only on the magnetic data stored in the magnetic stripe of the card 17. To do. That is, the setting is changed so that the automatic transaction apparatus 11 can perform a magnetic transaction. The setting of the automatic transaction apparatus 11 is changed from a basic authentication method that authenticates with an IC card to an elapsed period authentication method that authenticates with magnetic data. In this case, the type of financial transaction that can be executed is changed by operating the automatic transaction apparatus 11. For example, a transaction such as card loan setting is made impossible.

  When the customer inserts the card 17 possessed by the customer into the card slot of the automatic transaction apparatus 11, the card 17 is a magnetic card even if the magnetic data of the card 17 includes information indicating that it is an IC card. An assumed financial transaction is conducted. That is, when the card 17 is inserted, a magnetic transaction is performed. In this case, the automatic transaction apparatus 11 causes the card reader / writer to read the magnetic data stored in the magnetic stripe of the card 17 and reads the magnetic data from the card 17.

  Subsequently, the automatic transaction apparatus 11 creates a transaction message, and transmits the transaction message together with the magnetic data to the automatic transaction apparatus gateway 14. Then, a transaction message and magnetic data are transmitted from the automatic transaction apparatus gateway 14 to the billing system host computer 13.

  As a result, transactions can be made with the automatic transaction apparatus 11, and the automatic transaction apparatus 11 performs financial transactions based on the magnetic data stored in the magnetic stripe of the card 17 by communicating with the accounting host computer 13. Start.

Next, a flowchart will be described.
Step S11: The management server 15 detects a failure.
Step S12 The monitoring server 16 senses a failure via the management server 15.
Step S13: The monitoring server 16 changes the setting so that the automatic transaction apparatus 11 can perform a magnetic transaction.
Step S14 When the card 17 is inserted, a magnetic transaction is performed.
Step S15: The transaction message and magnetic data are transmitted to the automatic transaction apparatus gateway 14.
Step S16 The transaction message and magnetic data are transmitted from the automatic transaction apparatus gateway 14 to the billing system host computer 13.
Step S17 Transactions in the automatic transaction apparatus 11 become possible, and the process is terminated.

  As described above, in this embodiment, when a failure occurs in the basic authentication server 12, the monitoring server 16 changes the setting of the automatic transaction apparatus 11 and is based on the magnetic data stored in the magnetic stripe of the card 17. Be able to execute financial transactions. Therefore, even if the customer has a failure in the basic authentication server 12 and cannot use the card 17 as an IC card, the customer uses the card 17 that he / she owns as a magnetic card to use the automatic transaction apparatus 11. Operate and perform desired financial transactions.

  In the present embodiment, the example of changing the type of financial transaction that can be executed by operating the automatic transaction apparatus 11 at the time of failure has been described, but the transaction limit may be changed. For example, when the daily transaction limit is 2 million yen in normal times, the transaction limit may be changed to 100,000 yen in the event of a failure.

  The present invention is not limited to the above-described embodiment, and various modifications can be made based on the spirit of the present invention, and they are not excluded from the scope of the present invention.

It is a figure which shows the structure of the automatic transaction apparatus authentication switching system in embodiment of this invention. It is a flowchart which shows the operation | movement at the normal time of the automatic transaction apparatus authentication switching system in embodiment of this invention. It is a flowchart which shows the operation | movement at the time of the failure of the automatic transaction apparatus authentication switching system in embodiment of this invention.

Explanation of symbols

11 Automatic Transaction Device 12 Basic Authentication Server 16 Monitoring Server 17 Card

Claims (3)

(A) A card handling unit capable of reading and writing magnetic data and IC data of a card having a magnetic stripe and an IC, and a customer operation unit for receiving a customer operation of a financial institution, and operated by the customer for financial transactions An automatic transaction device for
(B) a basic authentication server connected to the automatic transaction apparatus and performing basic authentication based on authentication information included in the IC data;
(C) An automatic transaction apparatus authentication switching system connected to the basic authentication server and the automatic transaction apparatus and having a monitoring server for monitoring the basic authentication server and the automatic transaction apparatus,
(D) When the monitoring server senses a failure of the basic authentication server via the management server , the monitoring server changes the setting of the automatic transaction apparatus and can execute a financial transaction based only on the magnetic data. Automatic transaction device authentication switching system. The automatic transaction apparatus authentication switching system according to claim 1, wherein the monitoring server changes a type of financial transaction that can be executed by changing a setting of the automatic transaction apparatus. The automatic transaction apparatus authentication switching system according to claim 1, wherein the monitoring server changes a transaction limit by changing a setting of the automatic transaction apparatus.

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