JP5280759B2 - Automatic transaction apparatus and copy system - Google Patents

Description

  The present invention relates to an automatic transaction apparatus.

  For example, a plurality of card-type storage media are often issued to an individual such as a cash card, a credit card, and a driver's license. It is inconvenient to carry around these multiple card-type storage media. For this reason, information stored in a plurality of card-type storage media (hereinafter referred to as “card information”) can be integrated into a single portable device, eliminating the need to carry these card-type storage media. desirable.

  The portable device desirably has an IC chip. This is because an IC chip generally has a large storage capacity and can store card information stored in a plurality of card-type storage media.

  Thus, for example, there is a technique disclosed in Patent Document 1. According to Patent Document 1, a mobile terminal incorporating an IC chip includes an IC reader / writer, reads card information from an IC card of a copy source using the IC reader / writer, and reads the read card information into an IC in the mobile terminal. Copy to chip. In Patent Document 1, copying of card information is permitted when it is determined that the mobile terminal and the IC card are valid.

JP 2005-18270 A

  According to Patent Document 1, the portable terminal must be provided with an IC reader / writer. When such a function is mounted on a mobile phone, there is a problem that the size tends to increase and the cost increases.

  According to Patent Document 1, copying of card information is permitted when it is determined that the mobile terminal and the IC card are valid. Such a determination is made using only the validity determination information stored in the portable terminal or the IC card. Therefore, if your legitimate IC card is obtained by another person and the other person has a legitimate mobile terminal, the card information in your IC card is illegally copied to another person's mobile terminal. There is a fear.

  Accordingly, an object of the present invention is to allow card information to be transferred even if a portable device having an IC chip does not include a reader for reading card information from a card-type storage medium or a writer for writing information to the IC chip. The object is to prevent copying of the card information to the IC chip in the portable device of another person and copying it to the IC chip in the portable device.

  An automatic transaction apparatus generally includes a card reader for reading card information from a card-type storage medium and an IC writer for writing information to an IC chip. Moreover, the automatic transaction apparatus has high security due to its nature.

  Paying attention to the functions and properties of such an automatic transaction apparatus, in order to solve the above-mentioned problems, the automatic transaction apparatus is used to copy the card information to the IC chip.

  Specifically, as a first aspect, the automatic transaction apparatus reads out the card information using a copy instruction receiving means for receiving a copy instruction for copying the card information from the user to the IC chip in the portable apparatus and a card reader. A host computer having a reading unit, an authentication information receiving unit that receives input of user authentication information related to card information from a user, and a determination unit that determines whether or not the input authentication information is valid. Transmitting means using a specific message, receiving means for receiving a specific response transmitted from the host computer when the determination means determines that the input authentication information is valid, and a specific response Is received by the receiving means, and writing means for writing the card information to the IC chip using an IC writer. The copy instruction receiving unit, the reading unit, the authentication information receiving unit, and the writing unit are units included in the control unit 1032 described later, for example. The “specific response” is, for example, a permission response or a write command described later. The “specific message” is preferably a balance inquiry message. This is because it is not necessary to add a new format message. In this case, the host computer may execute a balance inquiry process and return a response to the automatic transaction apparatus. That is, no special design change is required for the host computer.

  As a second aspect, the automatic transaction apparatus has a copy instruction receiving means for receiving a copy instruction for copying the card information to an IC chip in the portable apparatus from a user, a reading means for reading the card information using a card reader, a card Authentication information receiving means for receiving input of user authentication information related to information from the user, determination means for determining whether or not the input user authentication information (hereinafter referred to as input authentication information) is valid, And a writing means for writing the card information to the IC chip using an IC writer when it is determined to be present. The copy instruction receiving unit, the reading unit, the authentication information receiving unit, the determining unit, and the writing unit are included in the control unit 1032 described later, for example.

  The “automatic transaction apparatus” is typically an ATM (Automatic Teller Machine).

  As the “card-type storage medium”, various media such as a magnetic card or an IC card can be adopted. Specific examples of the card-type storage medium include a cash card, a credit card, or an identification card (for example, an insurance card or a car license card).

  As the “portable device”, for example, a mobile phone or an IC card can be adopted.

  As the “user authentication information”, for example, a password, a PIN (Personal Identification Number), biometric information such as a user's fingerprint or vein, or a user's face photograph can be adopted.

  Hereinafter, several embodiments of the present invention will be described with reference to the drawings. In each embodiment described below, it is assumed that the card-type storage medium possessed by the user is a cash card or a credit card (hereinafter simply referred to as “card”) issued by a financial institution. Further, it is assumed that the portable device provided with the IC chip is a mobile phone. The user authentication information is assumed to be a PIN. The PIN is managed by both the card and the host computer (that is, it is preliminarily included in the card information in the card and registered in advance in a database managed by the host computer). . Hereinafter, such a PIN is referred to as “setting PIN”.

  FIG. 1 shows an ATM according to a first embodiment of the present invention.

  The ATM 103 can handle a plurality of cards, and when authenticating a user who has inserted a card, the ATM 103 communicates with the host computer 115 of the financial institution that issued the card to be used via the communication network 111. It has become. The communication may be relayed by a computer (not shown). For example, when the ATM 103 is an ATM installed in a convenience store or the like, a computer unique to the convenience store may relay communication with the host computer 115 of the financial institution that issued the inserted card. The host computer 115 of each financial institution manages a database (hereinafter referred to as a card management DB) 116 including information indicating the correspondence between card information and setting PINs.

  The ATM 103 includes a communication unit 1031, a control unit 1032, a storage unit 1033, an IC reader / writer 1034, a card reader / writer 1035, a placement unit 1036, a card insertion unit 1037, a button group 1038, a display unit 1039. The communication unit 1031 is a device that is connected to the communication network 111 and serves as a communication interface with the host computer 115. The control unit 1032 is, for example, a microprocessor, and controls the operation of the ATM 103 by executing a predetermined computer program. The storage unit 1033 is a memory or other storage device. The placement unit 1036 is a stage on which the mobile phone 50 is placed. The IC reader / writer 1034 reads information from an IC chip (hereinafter sometimes referred to as “mobile IC chip”) in the mobile phone 50 placed on the placement unit 1036, or reads information from the mobile IC chip. Write. The card insertion unit 1037 is a slot that accepts insertion of the card 60. The card reader / writer 1035 is a device capable of reading card information that is information stored in the card 60 inserted into the card insertion unit 1037 or writing information into the card 60. The button group 1038 is used for inputting specific information such as a PIN (for example, a personal identification number). The display unit 1039 is, for example, a touch panel display device.

  The user places the mobile phone 50 on the placement unit 1036, instructs the ATM 103 to copy, and inserts the card 60 into the card insertion unit 1037. In response to a copy instruction from the user, the ATM 103 reads out the card information stored in the inserted card 60 using the card reader / writer 1035 and loads the read card information on the mounting unit 1036. The data is written to the IC chip in the mobile phone 50 placed using the IC reader / writer 1034. Thereby, the copy of the card information to the mobile IC chip is completed.

  Hereinafter, processing performed in the present embodiment will be described.

  First, as shown in FIG. 2A, the user operates the mobile phone 50 to a host computer 115 (or a predetermined server) of the financial institution that has issued the card 60, and abbreviated as an application program (hereinafter, “AP”). ) Is requested (S101). In response to the request, the host computer 115 causes the mobile phone 50 to download the AP (S102). The mobile phone 50 stores the downloaded AP in the memory (S103).

  When the AP is stored in the memory of the mobile phone 50 and installed, an information frame of a predetermined format (hereinafter referred to as “card information frame” for convenience) as shown in FIG. 2B is developed on the mobile IC chip. The card information frame includes an application ID (AID), a branch number, an account number, and a PIN. In the card information frame at this stage, only AID is included as a valid information element, and the rest are invalid information elements. By writing each information element included in the card information in the card information frame, the card information exists in the card information frame.

  The AP may be downloaded from the ATM 103 instead of the host computer 115. Specifically, for example, each AP corresponding to the card of each financial institution is stored in the storage unit 1033, and the AP corresponding to the copy source card 60 in S306 in the process described with reference to FIG. Is detected not to be installed in the mobile phone 50, the control unit 1032 in the ATM 103 transfers the AP corresponding to the copy source card 60 stored in the storage unit 1033 to the mobile phone 50. You may download (downloading can be performed using the internet or infrared communication, for example).

  FIG. 3 shows a flow of processing performed by the user, the ATM 103, and the host computer 115 in order to copy the card information to the portable IC chip.

  For example, the control unit 1032 in the ATM 103 displays a menu screen including a tool (for example, a button) for receiving an instruction to copy card information from the user on the display unit 1039.

  For example, the user places the mobile phone 50 on the placement unit 1036 (S301), and selects a copy instruction from the menu screen displayed on the display unit 1039 (S302). When receiving a copy instruction (S303), the control unit 1032 starts a copy job.

  First, the control unit 1032 activates the card reader / writer 1035 to wait for insertion of the copy source card 60 (S304).

  The user inserts the copy source card 60 into the card insertion unit 1037 (S305). The control unit 1032 reads the card information in the inserted card 60 using the card reader / writer 1035, and writes the read card information in the storage unit 1033 (S306). Thus, the card information is stored in the storage unit 1033 in an information frame having the same format as the format shown in FIG. 2B, for example, as shown in FIG. 4A.

  The control unit 1032 performs authentication of the AP corresponding to the card information written in the storage unit 1033 in the cellular phone 50 placed (S307). Specifically, for example, the control unit 1032 checks whether an information frame having the same AID as the AID in the card information stored in the storage unit 1033 exists on the IC chip in the mobile phone 50. If the AP cannot be authenticated, for example, the control unit 1032 displays an error message (for example, “Please try after downloading the AP”) on the display unit 1039.

  On the other hand, if the AP can be authenticated, the control unit 1032 waits for the input of the PIN from the user by a method such as displaying a message “Please enter PIN” on the display unit 1039 (S308). The user inputs a PIN using, for example, the button group 1038 (S309).

  The control unit 1032 creates a card copy message including the PIN input from the user (hereinafter referred to as “input PIN”) and the card information stored in the storage unit 1033, and copies the card copy message. The data is transmitted to the host computer 115 corresponding to the original card 60 (S310). The message transmitted here is, for example, a balance inquiry message as an existing type of message that can have an input PIN and card information. In other words, the control unit 1032 behaves as if a copy job is being performed for the user, and behaves as if a balance inquiry has been received for the host computer 115. Instead of the balance inquiry message, other existing types of messages may be adopted.

  The host computer 115 receiving the balance inquiry message corresponds to whether the input PIN in the message is valid or not, specifically, the card information in the message as one of the balance inquiry processes. It is determined whether or not it matches the set PIN (S311). The “setting PIN corresponding to card information” is a setting PIN specified from the card management DB 116 corresponding to the setting PIN included in the card information and / or the account number in the card information.

  If it is determined that the input PIN is not valid (NO in S311), the host computer 115 transmits an error to the ATM 103. On the other hand, if it is determined that the input PIN is valid (YES in S311), the host computer 115 transmits a permission response to the ATM 103 (S312). The “permission response” is a response issued when it is determined that the input PIN is valid. In the case of a permission response to the balance inquiry message, the permission response includes information indicating the balance amount corresponding to the account number included in the card information in the balance inquiry message.

  When receiving the permission response from the host computer 115, the control unit 1032 writes the card information into the portable IC chip using the IC reader / writer 1034 (S313). Thereby, various information elements in the card information are written in the card information frame in the portable IC chip, and as a result, the contents of the card information frame are changed from the contents shown in FIG. 2B to the contents shown in FIG. 4B.

  After writing the card information to the mobile IC chip, the control unit 1032 creates a copy result message indicating the success of the copy operation when, for example, receiving a write completion response from the mobile IC chip, and sends the message to the host computer 115. (S314). When receiving the copy result message, the host computer 115 returns a response to the message to the ATM 103 (S315).

  When receiving a response from the host computer 115, the control unit 1032 performs a predetermined end process (S316). In the end process, for example, a process of ejecting the card 60 from the card insertion unit 1037, a process of displaying a message indicating the completion of the copy job on the display unit 1039, and the like are performed. The copy operation is terminated by the termination process.

  The above is the description of the flow of processing performed by the user, the ATM 103, and the host computer 115 in order to copy the card information to the portable IC chip.

  Note that S314 to S316 may not be performed. However, since there is a possibility that an error such as failure to write card information may occur in S313, it is preferable to perform S314 to S316.

  Also, S301, S302, and S305 do not necessarily have to be in this order. Specifically, S302 or S305 may be performed first, S301 may be performed after S302, or S302 or S301 may be performed after S305.

  The control unit 1032 of the ATM 103 may rewrite the card information in the card 60 using the card reader / writer 1035 after the card information in the card 60 is copied to the portable IC chip. Specifically, for example, the control unit 1032 may add information indicating that a copy of the card information exists in the card information, or may make the card information unusable (for example, Information indicating that the card cannot be used may be added to the card information, or the card information may be deleted from the card 60).

  Further, the ATM 103 has a photographing unit (not shown) (for example, a camera for taking a still image or a moving image), and a specific timing in S301 to S316 (or a timing when it is detected that the user approaches the ATM 103 (from S301). The previous timing)), the control unit 1032 may take a picture of the user's face using the photographing unit. The image information of the photographed still image or moving image of the face photograph may be transmitted from the ATM 103 to the host computer 115 at S310 or another timing. The host computer 115 may store the received image information as one of the usage history of the ATM 103, or may compare it with image information of a user's face photograph registered in advance in S311. If it is determined that the received image information is valid in addition to the PIN input from the user, S312 (transmission of permission response) may be performed.

  Further, the card 60 may not have a set PIN (in other words, for example, the card 60 may generally be a national bank regulation cash card without a set PIN). In this case, the PIN input from the user and the read card information are sent from the ATM 103 to the host computer 115. The host computer 115 acquires the setting PIN corresponding to the card information (for example, account number) received from the ATM 103 from the card management DB 116, and determines whether or not the input PIN received from the ATM 103 matches the acquired setting PIN. can do.

  In the above example, the host computer 115 performs user authentication, but the ATM 103 may perform user authentication instead of or in addition to the host computer 115. Specifically, for example, the control unit 1032 of the ATM 103 sets the input PIN (and / or other authentication information, for example, image information of a user's face photograph taken by the ATM 103) included in the card information. It may be determined whether or not it conforms to the PIN (and / or other authentication information), and the card information read from the card 60 may be written to the portable IC chip when the determination result is that it conforms. (In this example, the setting PIN needs to be included in the card information). Alternatively, for example, the control unit 1032 of the ATM 103 inquires of the host computer 115 about the setting PIN (and / or other authentication information) corresponding to the read card information, and sets from the host computer 115 in response to the inquiry. Upon receiving the PIN, it may be determined whether or not the input PIN matches the set PIN (in this example, the set PIN may not be included in the card information).

  4B shows an example in which the card information in one card 60 is copied to the mobile IC chip. Of course, the card information in a plurality of cards 60 is copied to the mobile IC chip. can do. Specifically, for example, as shown in FIG. 5, when the card information A1, A2 in two cards corresponding to the same financial institution A is copied to the IC chip, the AP of the AP corresponding to the financial institution A The card information 40A1 and 40A2 in the two cards are set in the card information frame 30A having the AID. When card information in a card corresponding to a financial institution B different from the financial institution A is copied to the IC chip, for example, as shown in FIG. 5, a card information frame 30B (financial institution) different from the card information frame 30A is used. The card information 40B in the card corresponding to the financial institution B is set in the card information frame 30B) having the AID of the AP corresponding to B.

  The card information may be copied by any one of the following first and second methods.

  As shown in FIG. 6A, the first method is a method in which card information is copied mainly by the ATM 103. Specifically, in this first method, in step S313 in FIG. 3, the control unit 1032 responds to reception of the permission response, and the card information stored in the storage unit 1033 in the copy source card 60. Is written in the portable IC chip.

  On the other hand, as shown in FIG. 6B, the second method is a method of copying card information mainly by the host computer 115. Specifically, in this second method, a card copy message (for example, an existing type message in which a predetermined flag is set) meaning a copy job is transmitted to the host computer 115 in S310 of FIG. If the host computer 115 recognizes the copy job by interpreting the electronic message, in S312 of FIG. 3, instead of the permission response, the host computer 115 issues a write command using the card information in the electronic message as information to be written. It transmits to ATM103. In response to the write command, control unit 1032 writes card information according to the write command to the mobile IC chip. The write command may be, for example, a dedicated command that can be interpreted by the ATM 103 by upgrading the ATM 103, but is an existing type of command that can be interpreted by the ATM 103 and is specified at a predetermined position. It may be a command with the flag set. In the latter case, the design change of the ATM 103 can be made unnecessary.

  Hereinafter, a second embodiment of the present invention will be described. At that time, differences from the first embodiment will be mainly described, and description of common points with the first embodiment will be omitted or simplified.

  In the second embodiment, the ATM 103 receives a second setting PIN which is a setting PIN after changing an existing setting PIN (hereinafter referred to as “first setting PIN”) or a newly added setting PIN from the user. Can be input. The input second setting PIN is registered in both the inserted card 60 and the card management DB 116 managed by the host computer 115. The registration of the second setting PIN is preferably performed during a copying operation.

  Hereinafter, the registration of the second setting PIN performed in the copy job will be described with reference to FIG. In the following description, the second setting PIN is a newly added setting PIN.

  For example, after receiving a permission response from the host computer 115 (after S312 in FIG. 3), the control unit 1032 receives an input of the second setting PIN from the user (S601). For example, the user operates the button group 1038 to input a desired second setting PIN (S602). This S601 and S602 may be repeated a predetermined number of times in order to confirm whether or not the user has correctly input the desired second setting PIN.

  The control unit 1032 writes the input second setting PIN and card information to the mobile IC chip (S313 ′). Thereby, as shown in FIG. 7B, the second setting PIN is written in the card information frame in the portable IC chip in addition to the first setting PIN. That is, in the second embodiment, a field for the second setting PIN is provided as a card information frame set in the mobile IC chip. As a result, the second set PIN is included in the card information in the mobile IC chip.

  The control unit 1032 transmits a copy result message including the second setting PIN to the host computer 115 (S314 ′). The host computer 115 links the second setting PIN of the copy result message to the corresponding card information in the card management DB 116 (S603). The “corresponding card information” is card information in the card copy message received before S603.

  Thereafter, the host computer 115 transmits a response (S315), and predetermined termination processing is performed in the ATM 103 (S316).

  As described above, according to the second embodiment, the second setting PIN can be registered in the mobile IC chip and / or the card management DB 116 along with the copy of the card information.

  When the second setting PIN is registered in addition to the first setting PIN, the following usage mode using a GPS (Global Positioning System) function of the mobile phone 50 can be employed.

  Specifically, for example, when the control unit 1032 performs a transaction using the card information in the mobile IC chip, according to the type of transaction or whether the mobile phone 50 is located within a predetermined range for the user. Accordingly, it is possible to control whether to accept the first PIN or the second PIN, or to accept both. In other words, the control unit 1032 determines that the type of transaction designated by the user is a transaction that does not cause substantial damage to the user even if impersonation is performed (for example, balance inquiry), or the mobile phone 50 is If it is not located within a predetermined range (for example, a range centered on the user address), only the first PIN is accepted (in this case, the first input PIN is compared with the first set PIN). On the other hand, the control unit 1032 indicates that the type of transaction designated by the user is a transaction that causes damage to the user when impersonation is performed (for example, cash withdrawal), or the mobile phone 50 is within a predetermined range for the user. If it is located, it accepts both the first PIN and the second PIN (or only the second PIN) (in this case, a comparison between the first input PIN and the first set PIN, And the comparison / collation between the second input PIN and the second setting PIN (or only the comparison / collation between the second input PIN and the second setting PIN). The position of the mobile phone 50 can be grasped, for example, when the ATM 103 receives the position information acquired by the GPS function of the mobile phone 50 from the mobile phone 50. Further, the user address information may be registered in advance in a memory in the mobile phone 50 and transmitted from the mobile phone 50 to the ATM 103, for example. The control unit 1032 can determine whether or not the mobile phone 50 is located within a predetermined range for the user based on the position information from the mobile phone 50 and the user address information.

  This function may be provided not only by the control unit 1032 but also by an AP (AP downloaded in FIG. 2A) executed by the CPU in the mobile phone 50. For example, when the user operates the mobile phone 50 to make an online transaction, the AP executed by the CPU in the mobile phone 50 (the AP downloaded in FIG. 2A) is detected by the GPS function of the mobile phone 50. Get location information. The AP determines whether the position represented by the position information (hereinafter referred to as “current position”) is within a predetermined range for the user. When it is determined that the AP is present, the AP accepts only the first PIN, and when it is determined that the AP is not present, both the first PIN and the second PIN (or only the second PIN). Accept.

  As mentioned above, although several embodiment of this invention was described, these embodiment is only the illustration for description of this invention, and is not the meaning which limits the scope of the present invention only to these embodiment. The present invention can be implemented in various other modes without departing from the gist thereof. For example, in the second embodiment, if the card 60 is a type card without a setting PIN, the second setting PIN is not registered in the mobile IC chip but only registered in the card management DB 116. The

FIG. 1 shows an ATM according to a first embodiment of the present invention. FIG. 2A shows the flow of downloading the application program to the mobile phone. FIG. 2B shows an example of a card information frame developed on the mobile IC chip. FIG. 3 shows the flow of processing performed by the user, ATM, and host computer to copy card information to the mobile IC chip. FIG. 4A shows an example of a card information frame stored in the storage unit in the ATM read from the card. FIG. 4B shows an example of the result of setting card information in the card information frame in the mobile IC chip. FIG. 5 shows an example of the result of copying card information from a plurality of cards to the mobile IC chip. FIG. 6A shows a first method in which card information is copied mainly by ATM. FIG. 6B shows a second method in which card information is copied mainly by the host computer. FIG. 7A shows a flow in which an additional second setting PIN is written to the mobile IC chip in addition to the card information in the card in the second embodiment of the present invention. FIG. 7B shows an example of a result of registering the second setting PIN in the mobile IC chip in addition to the card information in the card.

Explanation of symbols

DESCRIPTION OF SYMBOLS 50 ... Mobile phone 60 ... Card 103 ... ATM 115 ... Host computer 1032 ... Control part 1033 ... Memory | storage part 1034 ... IC reader / writer 1035 ... Card reader / writer 1039 ... Display part

Claims (4)

A card reader for reading out card information which is information stored in a card-type storage medium;
An automatic transaction apparatus having an IC writer for writing information to the IC chip in a portable apparatus equipped with an IC chip,
Copy instruction accepting means for accepting a copy instruction from a user to copy the card information stored in the card-type storage medium to the IC chip in the portable device;
Read means for reading out the card information using the card reader;
First authentication information accepting means for accepting input of first user authentication information related to the card information from the user;
Transmitting means for transmitting the card information and the first user authentication information using a specific message to a host computer having a determination means for determining whether or not the first user authentication information is valid;
Receiving means for receiving a specific response transmitted from the host computer when the determining means determines that the first user authentication information is valid;
Writing means for writing the card information to the IC chip using the IC writer when the specific response is received by the receiving means;
Second authentication information reception that accepts input of second user authentication information that is stored in addition to the first user authentication information or that is user authentication information after change of the first user authentication information from the user Means,
Notification means for notifying the host computer of the input second user authentication information,
The writing means writes the input second user authentication information into the IC chip using the IC writer.
Automatic transaction device. A card reader for reading out card information which is information stored in a card-type storage medium;
An automatic transaction apparatus having an IC writer for writing information to the IC chip in a portable apparatus equipped with an IC chip,
Copy instruction accepting means for accepting a copy instruction from a user to copy the card information stored in the card-type storage medium to the IC chip in the portable device;
Read means for reading out the card information using the card reader;
First authentication information accepting means for accepting input of first user authentication information related to the card information from the user;
Determining means for determining whether or not the input first user authentication information is valid;
A writing unit that writes the card information to the IC chip using the IC writer when the input first user authentication information is determined to be valid by the determination unit;
Second authentication information reception that accepts input of second user authentication information that is stored in addition to the first user authentication information or that is user authentication information after change of the first user authentication information from the user Means,
Notification means for notifying the host computer of the input second user authentication information,
The writing means writes the input second user authentication information into the IC chip using the IC writer.
Automatic transaction device. A card reader for reading out card information which is information stored in a card-type storage medium;
A method of copying the card information to the IC chip using an automatic transaction apparatus comprising an IC writer for writing information to the IC chip in a portable device equipped with an IC chip,
The automatic transaction apparatus accepts a copy instruction to write the card information to the IC chip from a user,
The automatic transaction apparatus accepts input of first user authentication information related to the card information from a user,
The automatic transaction apparatus transmits the card information and the first user authentication information to a host computer using a specific message,
The host computer determines whether the received first user authentication information is valid;
When the host computer determines that the received first user authentication information is valid, sends a specific response to the automatic transaction apparatus,
The automatic transaction apparatus, when receiving the specific response, the card information, writes using the IC writer to the IC chip,
The automatic transaction apparatus accepts input of second user authentication information that is stored in addition to the first user authentication information or is user authentication information after the change of the first user authentication information from the user,
The automatic transaction apparatus notifies the host computer of the input second user authentication information;
The automatic transaction apparatus writes the input second user authentication information to the IC chip using the IC writer.
A card information copying method using an automatic transaction apparatus. A card reader for reading out card information which is information stored in a card-type storage medium;
A method of copying the card information to the IC chip using an automatic transaction apparatus comprising an IC writer for writing information to the IC chip in a portable device equipped with an IC chip,
The automatic transaction apparatus accepts a copy instruction to write the card information to the IC chip from a user,
The automatic transaction apparatus accepts input of first user authentication information related to the card information from a user,
The automatic transaction apparatus determines whether the input first user authentication information is valid;
The automatic transaction apparatus, when the first user authentication information entered is found valid, the card information, writes using the IC writer to the IC chip,
The automatic transaction apparatus accepts input of second user authentication information that is stored in addition to the first user authentication information or is user authentication information after the change of the first user authentication information from the user,
The automatic transaction apparatus notifies the host computer of the input second user authentication information;
The automatic transaction apparatus writes the input second user authentication information to the IC chip using the IC writer.
A card information copying method using an automatic transaction apparatus.

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