JP5383596B2 - Automatic transaction system, automatic transaction apparatus, and transaction availability determination method - Google Patents

Description

  The present invention relates to an automatic transaction apparatus and system for executing a transaction using a card.

  When an automated teller machine (hereinafter also referred to as “ATM”) is used, a cash card (hereinafter also simply referred to as “card”) is used for identification and account identification. In general, a card has a magnetic stripe, and ATM performs processing by reading data stored in the magnetic stripe. In recent years, the existence of counterfeit cards manufactured by illegally copying information stored in magnetic stripes has become a problem, and various methods have been proposed to deal with illegal use of counterfeit cards. For example, in addition to the information in the magnetic stripe, a method of authenticating using a unique pattern pre-printed on the card surface (Patent Document 1), or an embossed portion in which the account number or the like is expressed in an uneven shape on the card surface A method of authenticating using the method (Patent Document 2) has been proposed. In addition, in response to the problem that the output (magnetism) of the magnetic stripe decreases due to deterioration over time, a method for notifying the user that the card must be reissued when the output level decreases in ATM is proposed. (Patent Document 3).

Japanese Patent Laid-Open No. 2004-5001 JP-A-10-255118 JP 2000-251122 A

  In the authentication method using a unique pattern or embossed part in addition to the magnetic stripe, even if it is a true card, information cannot be read from the magnetic stripe due to damage to the magnetic stripe part or decrease in magnetic output. Cannot be authenticated. In addition, a method of notifying the user that the card must be reissued can be realized when the information identifying the user or account of the card can be read, and the information cannot be read from the magnetic stripe. There was a problem that could not be realized.

  In addition, the said problem may generate | occur | produce not only in a cash card but in arbitrary cards used for transactions, such as a credit card and a card for money changers. Moreover, it can generate | occur | produce in the card | curd which has not only a magnetic stripe but arbitrary storage media.

  An object of this invention is to enable the transaction using a card | curd, even when information cannot be read from the storage medium which the card | curd used for a transaction has.

  SUMMARY An advantage of some aspects of the invention is to solve at least a part of the problems described above, and the invention can be implemented as the following forms or application examples.

[Application Example 1] An automatic transaction system,
A read determination unit that determines whether or not the transaction-related information can be normally read from a card having a storage medium that stores card identification information and transaction-related information that is information related to the transaction;
A surface image acquisition unit that images the card and acquires a surface image that is an image of at least a part of the surface of the card;
A surface image storage unit for storing the surface image;
When it is determined that the transaction-related information can be read normally, the surface image storage is performed by associating the acquired surface image, which is the surface image acquired by the surface image acquisition unit, with the card identification information. A surface image writing part for writing to the part;
When it is determined that the transaction-related information cannot be normally read, based on the card identification information, an existing surface image that is the surface image already recorded for the card is read from the surface image storage unit A match determination unit that determines whether the read-out existing surface image and the acquired surface image match,
When it is determined that the existing surface image and the acquired surface image match, it is determined that a transaction using the card is possible, and when it is determined that they do not match, a transaction using the card is not possible A transaction feasibility judging unit for judging;
An automatic transaction system comprising:

  In the automatic transaction system of Application Example 1, when it is determined that the transaction-related information cannot be normally read from the storage medium of the card, it is determined whether the existing surface image and the acquired surface image match, If it is determined that the transaction matches, it is determined that the transaction using the card is possible, so even if the transaction-related information cannot be normally read from the storage medium of the card, whether the card is a true card or not Such a determination can be made accurately, and a transaction using a card by a true user can be made possible. When a card is used for a long period of time, dirt and scratches are gradually formed on the surface, but such dirt and scratches are likely to be different from dirt and scratches on other card surfaces. Therefore, dirt and scratches on the card surface can be identification information unique to the card. In the automatic transaction system of Application Example 1, an image of an existing surface image (that is, when it is determined that transaction-related information can be normally read out using a surface image including dirt or scratches on the card surface) is taken. Therefore, it is possible to accurately determine whether or not the card is a true card. In addition, if it is determined that the transaction-related image can be read normally, the newly acquired surface image is written in the surface image storage unit, so whether the existing surface image matches the acquired surface image next time When determining whether or not, the surface image stored when it was read normally last time can be used as the existing surface image. Therefore, it can be determined that the cards do not coincide with each other based on dirt and scratches that are added little by little even though the card is a true card. On the other hand, forged cards manufactured by illegally copying information stored in the card storage medium are completely different in dirt and scratches, it is determined that they do not match and it is determined that the transaction is not possible be able to.

[Application Example 2] In the automatic transaction system according to Application Example 1,
A transaction-related information storage unit that stores the same information as the transaction-related information in association with the card identification information;
A transaction-related information writing unit that reads the transaction-related information from the transaction-related information storage unit and writes it in the storage medium;
With
The transaction related information storage unit stores the transaction related information when it is determined that the transaction related information cannot be normally read out for the card and it is determined that a transaction using the card is possible. An automatic transaction system that reads out the transaction-related information associated with the card from a section and writes it in the storage medium of the card.

  With this configuration, when it is determined that the transaction related information cannot be normally read from the storage medium of the card, the (normal) transaction related information is written to the storage medium. The possibility that the transaction related information can be normally read from the (storage medium) can be increased.

[Application Example 3] In the automatic transaction system according to Application Example 1 or Application Example 2,
The automatic transaction system, wherein the surface image includes an image of a highly wearable portion that is a highly wearable part of the card.

  With such a configuration, it is determined whether or not the existing surface image and the acquired surface image match using an image of a highly-abrasive part that is likely to be contaminated or scratched. It is possible to determine whether or not they match using a scratch or the like, and it is possible to more accurately determine whether or not the card is a true card.

[Application Example 4] In the automatic transaction system according to Application Example 3,
The surface image includes a high wear part image which is a surface image of the high wear part, and a low wear part image which is a surface image of a low wear part which is a low wear part of the card. ,
The matching determination unit, when determining whether the existing surface image and the acquired surface image match, the degree of matching between the existing surface image and the high wear part image in the acquired surface image, An automatic transaction system that preferentially uses the degree of coincidence between the high wear part images among the existing surface image and the degree of coincidence between the low wear part images in the acquired surface image.

  With such a configuration, the degree of coincidence of images of a portion that is likely to contain dirt or scratches that are likely to become identification information unique to the card is preferentially used for determination, so it is possible to more accurately determine whether or not the card is a true card. Can be determined.

[Application Example 5] In the automatic transaction system according to Application Example 3 or Application Example 4,
The high-abrasion part is an automatic transaction system that is a peripheral part of the card.

  With such a configuration, the determination is made using the image of the peripheral edge of the card that is more easily stained and more likely to be scratched, so that it is possible to more accurately determine whether or not the card is a true card. .

[Application Example 6] In the automatic transaction system according to any one of Application Examples 1 to 5,
A host computer having the surface image storage unit;
An automatic transaction apparatus having the card reception unit, the read determination unit, the surface image acquisition unit, the coincidence determination unit, and the transaction feasibility determination unit, and connected to the host computer via a network When,
An automatic transaction system comprising:

  With such a configuration, even when a user intends to execute a transaction using a card in a different automatic transaction apparatus, each automatic transaction apparatus can determine whether or not a transaction using a card is possible. Therefore, it is possible to improve security and user convenience.

Application Example 7 An automatic transaction apparatus connected to a host computer having a storage device via a network,
A read determination unit that determines whether or not the transaction-related information can be normally read from a card having a storage medium that stores card identification information and transaction-related information that is information related to the transaction;
A surface image acquisition unit that images the card and acquires a surface image that is an image of at least a part of the surface of the card;
When it is determined that the transaction-related information can be normally read, the acquired surface image that is the surface image acquired by the surface image acquisition unit and the card identification information are transmitted to the host computer, A storage instruction unit for storing the acquired surface image and the card identification information in the storage device in association with each other;
When it is determined that the transaction-related information cannot be read normally, based on the card identification information, the existing surface image that is the surface image already recorded for the card is read from the storage device, and A coincidence determination unit that determines whether or not the read-out existing surface image and the acquired surface image match;
When it is determined that the existing surface image and the acquired surface image match, it is determined that a transaction using the card is possible, and when it is determined that they do not match, a transaction using the card is not possible A transaction feasibility judging unit for judging;
An automatic transaction apparatus comprising:

  In the automatic transaction apparatus of Application Example 7, when it is determined that the transaction-related information cannot be normally read from the storage medium included in the card, it is determined whether the existing surface image and the acquired surface image match, If it is determined that the transaction matches, it is determined that the transaction using the card is possible, so even if the transaction-related information cannot be normally read from the storage medium of the card, whether the card is a true card or not Such a determination can be made accurately, and a transaction using a card by a true user can be made possible. When a card is used for a long period of time, dirt and scratches are gradually formed on the surface, but such dirt and scratches are likely to be different from dirt and scratches on other card surfaces. Therefore, dirt and scratches on the card surface can be identification information unique to the card. In the automatic transaction apparatus according to the application example 7, an image of an existing surface image (that is, when it is determined that the transaction-related information can be normally read out using the surface image including dirt or scratches on the card surface) is taken. Therefore, it is possible to accurately determine whether or not the card is a true card. In addition, when it is determined that the transaction-related image can be read normally, the newly acquired surface image is written in the storage device of the host computer, so that the existing surface image and the acquired surface image match next time. In determining whether or not, the surface image stored when it was normally read out last time can be used as the existing surface image. Therefore, it can be determined that the cards do not coincide with each other based on dirt and scratches that are added little by little even though the card is a true card. On the other hand, forged cards manufactured by illegally copying information stored in the card storage medium are completely different in dirt and scratches, it is determined that they do not match and it is determined that the transaction is not possible be able to.

Application Example 8 Using a card having a storage medium for storing card identification information and transaction-related information, which is information related to a transaction, using an automatic transaction apparatus connected to a host computer having a storage device via a network A method for determining whether a transaction is possible,
(A) in the automatic transaction apparatus, a step of determining whether or not the transaction-related information can be normally read from the card;
(B) In the automatic transaction apparatus, imaging the card and obtaining a surface image that is an image of at least a part of the surface of the card;
(C) In the automatic transaction apparatus, when it is determined that the transaction-related information can be normally read, the acquired surface image that is the surface image acquired by the step (b) and the card identification information Transmitting to the host computer, and storing the acquired surface image and the card identification information in the storage device in association with each other;
(D) In the automatic transaction apparatus, when it is determined that the transaction-related information cannot be normally read, based on the card identification information, the surface image already recorded for the card from the storage device Reading out an existing surface image and determining whether the read-out existing surface image matches the acquired surface image; and
(E) When it is determined that the existing surface image and the acquired surface image match, it is determined that the transaction using the card is possible, and the transaction using the card is determined when it is determined that they do not match Determining that it is not possible;
A method comprising:

  Whether or not the existing surface image matches the acquired surface image when it is determined that the transaction-related information cannot be normally read from the storage medium of the card in the method of Application Example 8 (transaction availability determination method) If it is determined that the transaction matches, it is determined that the transaction using the card is possible, so even if the transaction related information cannot be normally read from the storage medium of the card, the card is a true card. It is possible to accurately determine whether or not the transaction is true, and it is possible to make a transaction using a card by a true user. When a card is used for a long period of time, dirt and scratches are gradually formed on the surface, but such dirt and scratches are likely to be different from dirt and scratches on other card surfaces. Therefore, dirt and scratches on the card surface can be identification information unique to the card. In the method of Application Example 8, an image of an existing surface image (that is, an image obtained when it is determined that transaction-related information can be normally read out) is obtained using a surface image including such dirt or scratches on the card surface. Therefore, it is possible to accurately determine whether or not the card is a true card. In addition, when it is determined that the transaction-related image can be read normally, the newly acquired surface image is written in the storage device of the host computer, so that the existing surface image and the acquired surface image match next time. In determining whether or not, the surface image stored when it was normally read out last time can be used as the existing surface image. Therefore, it can be determined that the cards do not coincide with each other based on dirt and scratches that are added little by little even though the card is a true card. On the other hand, forged cards manufactured by illegally copying information stored in the card storage medium are completely different in dirt and scratches, it is determined that they do not match and it is determined that the transaction is not possible be able to.

  The present invention can be realized in various modes. For example, an automatic transaction system, an automatic transaction apparatus, a computer program for realizing a transaction feasibility determination method, a recording medium on which the computer program is recorded, etc. Can be realized.

BRIEF DESCRIPTION OF THE DRAWINGS Explanatory drawing which shows schematically the structure of the automatic transaction processing system in one Example of this invention. Explanatory drawing which shows schematically the internal structure of each element contained in an automatic transaction processing system. The top view which shows the card | curd used in an automatic transaction processing system. It is explanatory drawing which shows the detailed structure of the card | curd processing mechanism shown in FIG. Explanatory drawing which shows the detail of the card information storage table shown in FIG. 2 typically. The 1st flowchart which shows the procedure of the transaction process by the side of ATM in a present Example. The 2nd flowchart which shows the procedure of the transaction process by the side of ATM in a present Example. The 3rd flowchart which shows the procedure of the transaction process by the side of ATM in a present Example. The flowchart which shows the procedure of the card surface image comparison process of a present Example. Explanatory drawing which shows typically the method of the image comparison in step S315. The flowchart which shows the procedure of the transaction processing by the side of the host computer in a present Example. Explanatory drawing which shows the card information storage table updated as a result of performing step S525 of FIG. Explanatory drawing which shows typically the image comparison method in 2nd Example.

A. First embodiment:
A1. System configuration:
FIG. 1 is an explanatory diagram schematically showing the configuration of an automatic transaction processing system according to an embodiment of the present invention. FIG. 2 is an explanatory diagram schematically showing the internal configuration of each element included in the automatic transaction processing system. The automatic transaction processing system 300 of this embodiment includes an automatic cash transaction apparatus (hereinafter also referred to as “ATM”) 100 and a host computer 200 connected to the ATM 100 via a network NET. The ATM 100 is an apparatus that is installed in, for example, a financial institution, a retail store, a public facility, or the like, and performs predetermined transaction processing such as cash accounting based on user operations. ATM 100 may also be referred to as an automated teller machine.

  As shown in FIGS. 1 and 2, the ATM 100 includes a control unit 12, a user operation unit 13, a card processing mechanism 14, a passbook mechanism 15, a banknote deposit / withdrawal mechanism 16, a coin deposit / withdrawal mechanism 17, A line connection unit 18, a statement slip processing mechanism 19, a pattern recognition processing unit 20, and a voice guidance guidance unit 21 are provided.

  The control unit 12 is a functional unit that controls the entire ATM 100. The control unit 12 includes a CPU and a memory that stores programs and data. The CPU reads and executes a program stored in the memory, thereby executing various processes and transactions. Take control. The user operation unit 13 is configured by a touch panel having an input function and a display function, for example. The user operation unit 13 displays various information on the screen and detects the user's screen touch operation, thereby performing the user's transaction operation. Guidance, selection of items displayed on the screen by the user, input of a password, etc. are accepted. The card processing mechanism 14 handles a user's cash card (hereinafter simply referred to as “card”).

  FIG. 3 is a plan view showing a card used in the automatic transaction processing system. In FIG. 3, the front side of the card Ca1 is shown. The card Ca1 has a magnetic stripe St1 on the front surface. The magnetic stripe St1 has a strip-like appearance, and includes a start code storage area A1, an effective data storage area A2, a dummy data storage area A3, and an end code storage area A4. The start code storage area A1 stores a start code that signifies the head of information stored in the magnetic stripe St1. The valid data storage area A2 stores various information necessary for transactions (such as financial institution number, branch number, account number, card type, number of wrong passwords, etc.). The dummy data storage area A3 stores meaningless information such as “0”, for example. The end code storage area A4 stores an end code indicating the rear end of the information stored in the magnetic stripe St1.

  The card Ca1 has an embossed portion Eb1. The embossed portion Eb1 represents a financial institution number, a branch office number, an account number, and the like by unevenness formed in the thickness direction of the card Ca1. Since the card Ca1 having such a configuration is contaminated or scratched by use, the appearance of the surface can change.

  FIG. 4 is an explanatory diagram showing a detailed configuration of the card processing mechanism shown in FIG. The card processing mechanism 14 includes a card processing control unit 140, a storage unit 141, a magnetic read head 147, a read information conversion unit 142, a write information conversion unit 143, a magnetic write head 148, a card transport unit 144, An image reading unit 145 and a communication unit 146 are provided.

  The card processing control unit 140 is connected to the storage unit 141, the read information conversion unit 142, the write information conversion unit 143, the card transport unit 144, the image reading unit 145, and the communication unit 146, and controls each functional unit. .

  The magnetic read head 147 outputs a voltage signal based on the magnetism output from the magnetic stripe St1 of the card Ca1. The read information conversion unit 142 sequentially changes the magnetic information read by the magnetic read head 147, that is, the voltage output from the magnetic read head 147, from voltage waveform data to pulse waveform data, bit data, and character data. Convert to The write information conversion unit 143 converts the character data output from the card processing control unit 140 into control data for the current supplied to the magnetic write head 148. The magnetic write head 148 writes magnetic information to the magnetic stripe St1 of the card Ca1 according to the supplied current.

  The card transport unit 144 includes a transport motor and a transport belt (not shown), transports the card Ca1 inserted into the ATM 100 into the card processing mechanism 14, and transports the card Ca1 from the card processing mechanism 14 to the outside. Discharge. The image reading unit 145 images the front surface (front surface and back surface) of the card Ca1 and acquires image data. The communication unit 146 controls data exchange between the control unit 12 shown in FIG. 2 and the card processing control unit 140.

  The line connection unit 18 shown in FIG. 2 terminates a line (for example, a dedicated line) for connection with the host computer 200 and controls data exchange between the ATM 100 and the host computer 200. The statement slip processing mechanism 19 prints the transaction result (transaction amount, balance, etc.) on a dedicated form (detail slip) and discharges it to the outside. The pattern recognition processing unit 20 compares the two images and determines whether the images match each other. The voice guidance guidance unit 21 includes a speaker (not shown) and outputs guidance for prompting insertion of a card, input of a personal identification number, and the like.

  As shown in FIG. 2, the host computer 200 includes a control unit 220, a line connection unit 280, and a storage unit 230.

  The control unit 220 is a functional unit that controls the entire host computer 200. The control unit 220 includes a CPU and a memory that stores programs and data. The CPU reads out and executes a program stored in the memory, thereby executing various processes and processes. Control transactions. The control unit 220 includes an account information file control unit 221 and a card information storage table control unit 222. The account information file control unit 221 executes creation, update, deletion, etc. of an account information file 234 described later. The card information storage table control unit 222 executes creation, update, deletion, etc. of a card information storage table 236 described later. The line connection unit 280 terminates a line (for example, a dedicated line) for connecting to the ATM 100 and controls data exchange between the host computer 200 and the ATM 100.

  The storage unit 230 stores an account information file 234 and a card information storage table 236. The account information file 234 is a file provided for each account, and records information related to each account (user name, personal identification number, transaction history, balance, etc.). The card information storage table 236 is a table for recording information related to issued cards.

  FIG. 5 is an explanatory diagram schematically showing details of the card information storage table shown in FIG. The card information storage table 236 has an entry for recording the store number, account number, card surface image data, and transaction related information for each account. FIG. 5 shows details of the entries E1, E2, E3, and E4.

  In the entry E1, the store number “001”, the account number “0000001”, the card surface image data f1, and transaction related information are recorded. Similarly, in the entry E2, the store number “001”, the account number “0000002”, the card surface image data f2, and the transaction-related information are entered in the entry E3, and the store number “001”, the account number “0000003”, the card surface. In the entry E4, the image data f3, transaction related information, the store number “002”, the account number “0000001”, the card surface image data f4, and transaction related information are recorded. The transaction related information refers to information stored in the valid data storage area A2 and the dummy data storage area A3 shown in FIG.

  The card surface image data f1 to f4 represent the surface image of the card obtained by taking an image in the transaction process described later for each account. In FIG. 5, an image of the front side of the card is stored as in FIG. 3, but an image of the back side of the card can be recorded instead of the image of the front side. As shown in FIG. 5, in the image represented by the card surface image data f1, dirt d1 on the card is also recorded. Similarly, dirt and scratches are recorded in the images represented by the other card surface image data f2 to f4.

  In the automatic transaction processing system 300, a transaction using a card by a true user is realized even if information cannot be read from the magnetic stripe due to deterioration over time or damage to the card by executing transaction processing described later. To do.

  The magnetic stripe St1 described above corresponds to the recording medium in the claims. The magnetic read head 147, the read information conversion unit 142, and the card processing control unit 140 correspond to a read determination unit in the claims. Further, the image reading unit 145 is charged to the surface image acquisition unit in the claims, the card information storage table 236 is charged to the surface image storage unit and the transaction related information storage unit in the claims, and the control unit 12 and the card information storage table control unit 222 are charged. The card image processing control unit 140 is the coincidence determination unit, the transaction feasibility determination unit, and the storage instruction unit. The control unit 12, the write information conversion unit 143, and the magnetic write head 148 are the claims. Correspond to the transaction related information writing unit in FIG.

A2. Transaction processing:
FIG. 6 is a first flowchart showing the procedure of transaction processing on the ATM side in the present embodiment. FIG. 7 is a second flowchart showing the procedure of transaction processing on the ATM side in the present embodiment. FIG. 8 is a third flowchart showing a procedure of transaction processing on the ATM side in the present embodiment.

  When the user inserts the card Ca1 shown in FIG. 3 at the ATM 100 and inputs a personal identification number and selects a transaction menu such as cash withdrawal or deposit from the user operation unit 13, transaction processing is started in the automatic transaction processing system 300. The

  The card transport unit 144 transports the inserted card Ca1 into the card processing mechanism 14, and the card processing control unit 140 controls the magnetic read head 147 and the read information conversion unit 142 to read the information in the magnetic stripe St1. (Step S100).

  The image reading unit 145 captures the surface of the inserted card Ca1, acquires image data, and stores the image data in the storage unit 141 (step S105). The card processing control unit 140 determines whether the information in the magnetic stripe St1 has been normally read (step S110). If the information cannot be read normally due to aging or damage to the magnetic stripe St1 portion (step S105: NO), the card processing control unit 140 includes the embossed portion Eb1 in the image data obtained in step S105. Based on the image data (image represented by the surface image data), the financial institution number, the branch office number, and the account number are extracted (step S115). Such extraction can be realized by a known character recognition process.

  Based on the financial institution number extracted in step S115, the card processing control unit 140 determines whether or not the issuing organization of the card Ca1 is its own financial institution having the automatic transaction processing system 300 (that is, its own financial institution). It is determined whether or not it is an issued card (step S120). When it is determined that the financial institution is its own (step S120: YES), a card surface image comparison process is executed (step S130).

  FIG. 9 is a flowchart showing the procedure of the card surface image comparison process of the present embodiment. The card processing control unit 140 requests the host computer 200 via the control unit 12 and the line connection unit 18 to transmit the transaction-related information of the corresponding account and the card surface image (step S305). At this time, the branch office number and the account number extracted in step S115 are also transmitted to the host computer 200.

  As will be described later, when the host computer 200 receives the transmission request in step S 305, the host computer 200 reads the transaction-related information and the card surface image of the corresponding account from the card information storage table 236 and transmits them to the ATM 100.

  After step S305, the card processing control unit 140 waits until receiving transaction-related information and a card surface image from the host computer 200 (step S310), and stores the transaction-related information when receiving the transaction-related information and the card surface image. The card surface image obtained in step S105 is compared with the card surface image received from the host computer 200 (step S315).

  FIG. 10 is an explanatory diagram schematically showing the image comparison method in step S315. In the image comparison of the present embodiment, as shown in FIG. 10, the surface image of the card Ca1 is composed of a total of 100 vertical 10 images (a column to j column) and 10 horizontal images (first row to 10th row). The image is divided into regions, and it is determined whether or not the images match in each region. In addition, various well-known methods can be employ | adopted for the agreement of each area | region. For example, the difference between the values (pixel values) of the pixels included in each region is obtained and summed, and when the sum of the differences is equal to or less than a predetermined threshold value, it is determined that they match, A method of determining that they do not coincide with each other can be adopted.

  As shown in FIG. 6, when the card surface image comparison process is completed, the card process control unit 140 determines whether or not the images compared in step S130 match (step S135). Specifically, in the case of matching in 95% or more of the 100 areas shown in FIG. 10 (that is, matching in 95 or more areas), it is determined that both images match, and 95 If it is less than% (that is, matches in 94 areas or less), it is determined that both images do not match.

  If it is determined in step S135 that the two images do not match (step S135: NO), and if it is determined in step S120 that the images are not their own financial institutions (step S120: NO), the card Ca1 is inserted. Return the transaction process. If the two images do not match, the card is forged, and the transaction is terminated without executing the transaction. If the financial institution is not its own financial institution, since there is no entry in the account information file 234 or the card information storage table 236 in the host computer 200, the transaction cannot be executed, and the transaction is terminated without executing the transaction.

  If it is determined in step S135 that the images match, as shown in FIG. 7, the control unit 12 causes the user operation unit 13, the passbook mechanism 15, the banknote deposit / withdrawal mechanism 16, the coin deposit / withdrawal mechanism 17, and the voice. The guidance guidance part 21 is controlled and transaction pre-processing is performed (step S140). The pre-transaction processing is, for example, a process for inputting a personal identification number by a user, a process for outputting guidance for prompting the user to insert money, passbook, or specify the amount of money, and determining the authenticity of the received bill or coin. Means.

  When the pre-transaction process is completed, the control unit 12 transmits / receives a transaction message to / from the host computer 200 (step S145). This transaction message includes, for example, the financial institution number and account number acquired from the card, the specified amount input in the pre-transaction processing, the amount confirmed for payment, and the like. The control unit 12 determines whether or not a transaction has been established based on the transaction message transmitted and received in step S145 (step S150).

  If it is determined that the transaction has been established (step S150: YES), the card processing control unit 140 writes transaction-related information (that is, valid data and dummy data) in the magnetic stripe St1 of the card Ca1 (step S155). Note that the start code and the end code are also written in addition to the transaction-related information when it is determined in step S110 that the start code and the end code are not normally read. The transaction-related information to be written uses information transmitted from the host computer 200 to the ATM 100 and stored in the storage unit 141 in the card surface image comparison process shown in FIG. As described above, the transaction-related information (valid data and dummy data) stored in the host computer 200 is written to the magnetic stripe St1, so that there is a high possibility that it can be read normally next time. The valid data storage area A2 is damaged and cannot be written due to damage to the card Ca1, but the dummy data storage area A3 is not damaged and can be written, the contents of the valid data storage area A2 are changed to the dummy data storage area A2. A configuration of writing to the data storage area A3 can also be adopted.

  As shown in FIG. 7, the control unit 12 sends an update request for the card information storage table 236 to the host computer 200 with the image data of the image (back image) newly obtained in step S <b> 105 attached. Step S160). As will be described later, the host computer 200 updates the card information storage table 236 based on an update request for the card information storage table 236.

  The control unit 12 controls the user operation unit 13, the card processing mechanism 14, the passbook mechanism 15, the banknote depositing / withdrawing mechanism 16, the coin depositing / dispensing mechanism 17, and the voice guidance guidance unit 21 to execute the post transaction processing (step). S165). The post-settlement processing means, for example, discharge of banknotes and coins, issuance of statement slips, discharge of card Ca1, display of termination guidance, voice output, and the like.

  If it is determined in step S150 described above that the transaction has not been completed due to an insufficient account balance (step S150: NO), the control unit 12 writes the transaction-related information in the magnetic stripe St1 of the card Ca1 (step S170). Then, an update request for the card information storage table 236 is transmitted to the host computer 200 (step S175). Step S170 is the same process as step S155, and step S175 is the same process as step S160. The control unit 12 controls the user operation unit 13, the card processing mechanism 14, the bankbook mechanism 15, the banknote depositing / dispensing mechanism 16, the coin depositing / dispensing mechanism 17, and the voice guidance guidance unit 21 to execute a post-transaction post-successful process (step). S180). The post-transaction post-processing means, for example, returning a deposited banknote, displaying guidance indicating that the transaction has not been established, outputting sound, or the like.

  When it is determined in step S110 shown in FIG. 6 that information can be normally read from the magnetic stripe St1 (step S110: YES), as shown in FIG. 8, as in the case where information cannot be normally read from the magnetic stripe St1. , The above-described steps S115 to S180 are executed. However, the process of step S155 and step S170 is abbreviate | omitted. This is because the information is normally read from the magnetic stripe St1, and it is not necessary to overwrite the transaction-related information on the magnetic stripe St1.

  FIG. 11 is a flowchart showing a procedure of transaction processing on the host computer side in the present embodiment. The control unit 220 shown in FIG. 2 stands by until a transaction-related information and a transmission request for image data of the card surface image are received from the ATM 100 (step S505). When receiving the transmission request, the control unit 220 controls the card information storage table control unit 222 based on the store number and the account number included in the received transmission request to control the card surface of the corresponding account from the card information storage table 236. Image data and transaction related information are read out and transmitted to the ATM 100 (step S510).

  Thereafter, a transaction message is transmitted / received to / from the ATM 100 (step S515). This process corresponds to step S145 in the ATM 100 described above. After transmission / reception of the transaction message, the control unit 220 waits until a card information storage table update request is received from the ATM 100 (step S520). When the card information storage table update request is received, the control unit 220 controls the card information storage table control unit 222. Then, the card information storage table 236 is updated (step S525).

  FIG. 12 is an explanatory diagram showing a card information storage table updated as a result of the execution of step S525 of FIG. FIG. 12 shows the card information storage table 236 after being updated by the transaction process executed for the account of the entry E1 shown in FIG.

  As shown in FIG. 12, card surface image data f1 'is recorded as the card surface image data of entry E1 instead of the card surface image data f1 shown in FIG. In the image represented by the card surface image data f1 ', the scratch d2 appears, unlike the image represented by the card surface image data f1. This is because the card Ca1 is scratched during the period from the last update of the card information storage table 236 to the execution of the current transaction process. In the present embodiment, it is determined that the difference between the scratches of this level matches when compared with the card surface image data f1.

  As described above, in the automatic transaction processing system 300 of the first embodiment, even if information cannot be normally read from the magnetic stripe St1, the surface image of the card Ca1 newly acquired in the current transaction process Since the host computer 200 compares the card surface image already stored in the host computer 200, it can be accurately determined whether or not the card is a forged card. Therefore, even when information cannot be normally read from the magnetic stripe St1, it is possible to make a transaction using the card Ca1. In addition, when information cannot be normally read from the magnetic stripe St1, transaction-related information is acquired from the host computer 200 and written to the magnetic stripe St1, so that information is normally read from the magnetic stripe St1 at the next transaction. The possibility that it can be increased.

  Further, the surface of the card Ca1 is gradually soiled and scratched by long-term use, but such dirt and scratches are likely to be different from dirt and scratches on other card surfaces. Therefore, dirt and scratches on the card surface can be identification information unique to the card. In this embodiment, authentication is performed using a card surface image including such dirt and scratches on the card surface, so that the authenticity of the card can be accurately determined. In particular, in this embodiment, every time the card surface images match, the card surface image (card surface image data) recorded in the card information storage table 236 in the host computer 200 is updated. Nevertheless, it is possible to suppress a determination that they do not match (that is, a counterfeit card) based on dirt or scratches that are gradually added. On the other hand, since the counterfeit card has completely different stains and scratches, even if a card in which the embossing and the like are matched and the contents of the magnetic stripe St1 are illegally copied is used, it is accurately determined that they do not match. be able to.

  Further, in the automatic transaction processing system 300, the card surface image data is stored in the host computer 200. Therefore, even when a user tries to execute a transaction in another ATM, the ATM can receive data from the host computer 200. Card surface images can be acquired to determine image match / mismatch. Therefore, it is possible to improve account security and user convenience.

  In addition, since the card surface dirt and scratches are used as card-specific identification information, the card creation cost can be suppressed and the issued card can be compared with a configuration in which the surface pattern is different for each issued card. Since cards that do not have a special pattern can be processed, the compatibility with existing systems is high.

B. Second embodiment:
FIG. 13 is an explanatory diagram schematically showing an image comparison method in the second embodiment. The automatic transaction processing system of the second embodiment is the same as the automatic transaction processing system 300 of the first embodiment except that the image comparison method in step S315 of transaction processing is different.

  In the first embodiment, as shown in FIG. 10, the degree of coincidence of 100 areas is handled in the same manner to determine the match / mismatch between images. In the second embodiment, each area of 100 areas is determined. Are divided into an area where the degree of coincidence is preferentially used and an area where the degree of coincidence is not used. Specifically, the matching degree of the area AR1 including the peripheral portion of the card Ca1 is preferentially used in the determination, and the matching degree of the other area AR2 is not preferentially used. As illustrated in FIG. 13, the area AR1 is an area including the periphery of the card Ca1 (an area formed by a column to j column and first to tenth rows). The area AR2 is an area configured by b columns to i columns and second to ninth rows.

  To preferentially use the degree of coincidence of the area AR1 in the determination means specifically to set a low threshold for use in determining whether or not the areas included in the area AR1 match. . Therefore, for example, when there is a slight difference in the area AR1 between the newly acquired image and the image already registered in the card information storage table 236, there is a high possibility that it is determined that they do not match. On the other hand, not preferentially using the degree of coincidence of the area AR2 in the determination means that a threshold value used for determining whether or not they coincide in each area included in the area AR2 is set high. . Therefore, for example, there is a high possibility that a newly acquired image and an image already registered in the card information storage table 236 match when there is a slight difference in the area AR2.

  Thus, the reason why the handling priority in the image matching determination is different between the area AR1 and the area AR2 is as follows. The area AR1 including the peripheral edge of the card Ca1 is likely to be identification information unique to the card because dirt or scratches are likely to occur. Therefore, it is possible to more accurately determine the authenticity of the card by preferentially using the image difference in the area AR1.

  The automatic transaction processing system of the second embodiment having the above configuration has the same effects as the automatic transaction processing system 300 of the first embodiment. In addition, since the degree of coincidence of the area AR1 that is likely to become identification information unique to the card because dirt is likely to be attached or scratched is preferentially used in the judgment of coincidence / non-coincidence between images, card authenticity judgment is performed. It can be done more accurately.

C. Variations:
In addition, elements other than the elements claimed in the independent claims among the constituent elements in each of the above embodiments are additional elements and can be omitted as appropriate. The present invention is not limited to the above-described examples and embodiments, and can be implemented in various modes without departing from the gist thereof. For example, the following modifications are possible.

C1. Modification 1:
In the second embodiment, when comparing an image obtained by taking a new image with an already acquired image, the region that preferentially uses the degree of coincidence is the region AR1 including the peripheral portion of the card Ca1. However, the present invention is not limited to this. For example, an arbitrary region that is easily worn (highly wearable) such as a region where the embossed portion Eb1 is disposed and a region where the magnetic stripe St1 is disposed can be employed. By doing so, the degree of coincidence of the regions that are easily worn and become identification information unique to the card is preferentially used, and therefore it is possible to accurately determine whether or not both images coincide.

  Further, in the second embodiment, as a method of making the handling priority in the image matching determination different between the area AR1 and the area AR2, it differs depending on the threshold value used for determining whether or not they match in each area. However, the present invention is not limited to this. For example, image matching can be determined only for the area AR1, and image matching can not be determined for the area AR2. That is, in general, among the existing surface image and the acquired surface image, the degree of coincidence between the high wear images is preferentially determined from the degree of coincidence between the high wear images and the degree of coincidence between the low wear images. The coincidence determination unit can be employed in the automatic transaction system and the automatic transaction apparatus of the present invention. Note that in the configuration in which the image matching is determined only in the area AR1, only the area AR1 can be captured and image data can be acquired in step S105. That is, in general, a surface image acquisition unit that acquires a surface image that is an image of at least a part of the surface of a card can be employed in the automatic transaction system and the automatic transaction apparatus of the present invention.

C2. Modification 2:
In the second embodiment, when comparing an image obtained by taking a new image with an already acquired image, it is preferentially used that the images in the area AR1 which is a highly wearable area match each other. However, the present invention is not limited to this. Specifically, the degree of coincidence between the areas AR2 which are low wear areas can be preferentially used in the image coincidence determination. The highly wearable region is easily worn out and the surface image is likely to change, so that it may be erroneously determined to be a fake card even though it is a true card. Therefore, such erroneous determination can be suppressed by preferentially using the degree of coincidence of the area AR2 which is a low wear area in the image coincidence determination.

C3. Modification 3:
In each embodiment, the card surface image data is stored in the host computer 200, but the present invention is not limited to this. For example, a storage device (not shown) included in the ATM 100 or a storage unit 141 included in the card processing mechanism 14 of the ATM 100 can be employed. With such a configuration, the exchange of messages between the ATM 100 and the host computer 200 can be reduced, and an improvement in throughput and a reduction in communication charges can be realized. Further, by adopting such a configuration, it is possible to reduce the change in the program of the host computer 200 in the existing system, and thus it is possible to suppress an increase in cost required for changing the program of the host computer 200. In addition, for example, a configuration in which a storage device connected to a plurality of ATMs 100 via a network is arranged for each store and the card surface image data is stored in the storage device can also be adopted.

C4. Modification 4:
In each embodiment, the card Ca1 has the magnetic stripe St1, but may be configured to include an IC (Integrated Circuit) chip instead of the magnetic stripe St1 or in addition to the magnetic stripe St1. In the configuration including the IC chip, transaction-related information is recorded in the IC chip, and even if the IC chip is damaged, it is possible to accurately determine whether the transaction is possible using the card surface image.

C5. Modification 5:
Part of the transaction processing in each embodiment may be omitted. Specifically, for example, in the automatic transaction system of all financial institutions, if the transaction processing of the above embodiment can be executed, is the issuing institution of the card Ca1 the own financial institution having the automatic transaction processing system 300? The determination process (step S120) of no can also be abbreviate | omitted.

  Further, for example, the process of writing transaction related information (that is, valid data and dummy data) in the magnetic stripe St1 of the card Ca1 (steps S155 and 170) can be omitted. In this configuration, there is a possibility that a card that is determined not to be normally read in the magnetic stripe St1 may be similarly determined not to be normally read in the transaction processing after the next time. However, even in this case, as described above, since the card surface image determines whether or not the card is a true card, it is possible to make a transaction using a card by a true user.

  Further, for example, the process of extracting the financial institution number or the like from the embossed part of the image (the process of step S115) can be omitted. In this case, it is also possible to adopt a configuration in which guidance is displayed / sound output so that the user inputs a financial institution number or the like from the user operation unit 13.

  Further, for example, when the information in the magnetic stripe St1 can be normally read (step S110: YES), the card surface image comparison process (step S130) and the determination process of whether or not the card surface images match (step S135) can also be omitted.

  For example, when the information in the magnetic stripe St1 cannot be read normally (step S110: NO), steps S160 and S175 are omitted, and the card information storage table 236 is updated using newly acquired image data. (Step S525) may be omitted.

C6. Modification 6:
In each embodiment, the host computer 200 overwrites the card surface image data received from the ATM 100 over the card surface image data already stored in the card information storage table 236 in step S525. It is not limited to this. In addition to the card surface image already stored, a newly received card surface image can also be stored. In this configuration, in step S510, the card surface image stored before the previous time can be transmitted to the ATM 100.

C7. Modification 7:
In each embodiment, the information recorded in the card information storage table 236 is a store number, an account number, card surface image data, and transaction-related information, but the present invention is not limited to this. For example, in addition to such information, an account classification (saving account / check account) can be recorded. Further, for example, only the store number, the account number, and the card surface image data can be recorded, and the transaction related information can be recorded in a table different from the card surface image data.

C8. Modification 8:
In each embodiment, whether or not the card surface images match is determined when the information in the magnetic stripe St1 can be read normally (step S135 in FIG. 6) or when the information cannot be read normally (step S135 in FIG. 8). However, instead of this, it is also possible to make a determination based on different standards. Specifically, for example, when the information in the magnetic stripe St1 can be read normally, it is determined that the information matches when the matching rate is 95% or more as shown in FIG. It can also be determined that there is a match when the match rate is 99% or more.

C9. Modification 9:
The card used in each embodiment was a cash card, but instead of a cash card, any card that stores transaction-related information and is used for transactions, such as a credit card or a dedicated card for a change machine, is employed. be able to.

300 ... Automatic transaction processing system 100 ... ATM
DESCRIPTION OF SYMBOLS 200 ... Host computer NET ... Network 12 ... Control part 13 ... User operation part 14 ... Card processing mechanism 15 ... Passbook mechanism 16 ... Banknote depositing / withdrawing mechanism 17 ... Coin depositing / dispensing mechanism 18 ... Line connection part 19 ... Statement slip processing mechanism 20 ... pattern recognition processing unit 21 ... voice guidance guidance unit 140 ... card processing control unit 141 ... storage unit 142 ... read information conversion unit 143 ... write information conversion unit 144 ... card transport unit 145 ... image reading unit 146 ... communication unit 147 ... magnetism Read head 148 ... Magnetic write head 220 ... Control unit 221 ... Account information file control unit 222 ... Card information storage table control unit 230 ... Storage unit 234 ... Account information file 236 ... Card information storage table 280 ... Line connection unit St1 ... Magnetic stripe A1 ... start code storage area A ... effective data storage area A3 ... dummy data storage area A4 ... end code storage area AR1, AR2 ... region Ca1 ... card Eb1 ... embossed part St1 ... magnetic stripe f1-f4 ... card surface image data E1 to E4 ... Entry

Claims (8)

An automated trading system,
A read determination unit that determines whether or not the transaction-related information can be normally read from a card having a storage medium that stores card identification information and transaction-related information that is information related to the transaction;
A surface image acquisition unit that images the card and acquires a surface image that is an image of at least a part of the surface of the card;
A surface image storage unit for storing the surface image;
When it is determined that the transaction-related information can be read normally, the surface image storage is performed by associating the acquired surface image, which is the surface image acquired by the surface image acquisition unit, with the card identification information. A surface image writing part for writing to the part;
When it is determined that the transaction-related information cannot be normally read, based on the card identification information, an existing surface image that is the surface image already recorded for the card is read from the surface image storage unit A match determination unit that determines whether the read-out existing surface image and the acquired surface image match,
When it is determined that the existing surface image and the acquired surface image match, it is determined that a transaction using the card is possible, and when it is determined that they do not match, a transaction using the card is not possible A transaction feasibility judging unit for judging;
An automatic transaction system comprising: The automatic transaction system according to claim 1, further comprising:
A transaction-related information storage unit that stores the same information as the transaction-related information in association with the card identification information;
A transaction-related information writing unit that reads the transaction-related information from the transaction-related information storage unit and writes it in the storage medium;
With
The transaction related information storage unit stores the transaction related information when it is determined that the transaction related information cannot be normally read out for the card and it is determined that a transaction using the card is possible. An automatic transaction system that reads out the transaction-related information associated with the card from a section and writes it in the storage medium of the card. In the automatic transaction system according to claim 1 or claim 2,
The automatic transaction system, wherein the surface image includes an image of a highly wearable portion that is a highly wearable part of the card. In the automatic transaction system according to claim 3,
The surface image includes a high wear part image which is a surface image of the high wear part, and a low wear part image which is a surface image of a low wear part which is a low wear part of the card. ,
The matching determination unit, when determining whether the existing surface image and the acquired surface image match, the degree of matching between the existing surface image and the high wear part image in the acquired surface image, An automatic transaction system that preferentially uses the degree of coincidence between the high wear part images among the existing surface image and the degree of coincidence between the low wear part images in the acquired surface image. In the automatic transaction system according to claim 3 or claim 4,
The high-abrasion part is an automatic transaction system that is a peripheral part of the card. The automatic transaction system according to any one of claims 1 to 5, further comprising:
A host computer having the surface image storage unit;
An automatic transaction apparatus having the card reception unit, the read determination unit, the surface image acquisition unit, the coincidence determination unit, and the transaction feasibility determination unit, and connected to the host computer via a network When,
An automatic transaction system comprising: An automatic transaction apparatus connected to a host computer having a storage device via a network,
A read determination unit that determines whether or not the transaction-related information can be normally read from a card having a storage medium that stores card identification information and transaction-related information that is information related to the transaction;
A surface image acquisition unit that images the card and acquires a surface image that is an image of at least a part of the surface of the card;
When it is determined that the transaction-related information can be normally read, the acquired surface image that is the surface image acquired by the surface image acquisition unit and the card identification information are transmitted to the host computer, A storage instruction unit for storing the acquired surface image and the card identification information in the storage device in association with each other;
When it is determined that the transaction-related information cannot be read normally, based on the card identification information, the existing surface image that is the surface image already recorded for the card is read from the storage device, and A coincidence determination unit that determines whether or not the read-out existing surface image and the acquired surface image match;
When it is determined that the existing surface image and the acquired surface image match, it is determined that a transaction using the card is possible, and when it is determined that they do not match, a transaction using the card is not possible A transaction feasibility judging unit for judging;
An automatic transaction apparatus comprising: Using an automatic transaction apparatus connected to a host computer having a storage device via a network, it is possible to perform a transaction using a card having a storage medium for storing card identification information and transaction-related information that is information related to the transaction. A method for determining whether or not
(A) in the automatic transaction apparatus, a step of determining whether or not the transaction-related information can be normally read from the card;
(B) In the automatic transaction apparatus, imaging the card and obtaining a surface image that is an image of at least a part of the surface of the card;
(C) In the automatic transaction apparatus, when it is determined that the transaction-related information can be normally read, the acquired surface image that is the surface image acquired by the step (b) and the card identification information Transmitting to the host computer, and storing the acquired surface image and the card identification information in the storage device in association with each other;
(D) In the automatic transaction apparatus, when it is determined that the transaction-related information cannot be normally read, based on the card identification information, the surface image already recorded for the card from the storage device Reading out an existing surface image and determining whether the read-out existing surface image matches the acquired surface image; and
(E) When it is determined that the existing surface image and the acquired surface image match, it is determined that the transaction using the card is possible, and the transaction using the card is determined when it is determined that they do not match Determining that it is not possible;
A method comprising:

Images