JP5412865B2 - Automatic transaction system and automatic transaction apparatus - Google Patents

Description

  The present invention relates to an automatic transaction system and an automatic transaction apparatus, for example, installed in a store such as a bank or other financial institution, and has a printing function on a passbook that performs automatic transactions such as deposits and withdrawals or withdrawals based on customer operations. It can be applied to ATM (Automatic Tellers Machine) and CD (Cash Dispenser).

  2. Description of the Related Art Conventionally, an automatic transaction apparatus is provided with a function of printing the contents of a transaction on a passbook in cash payment or deposit processing. On the back of this passbook, etc., data such as bank name, branch name, account number, balance, last printed page and line, and PIN code as necessary are recorded by magnetic stripe (hereinafter referred to as passbook MS). The magnetic stripe is read by inserting a passbook into the automatic transaction apparatus during the transaction. The read data of the passbook MS is sent from the automatic transaction apparatus to the center, and the data is collated with the data stored in the center. After the verification is obtained, the transaction specified by the customer is performed, the contents are printed on the passbook after the transaction, and new data is written on the magnetic stripe, and the passbook is discharged. New data written to the magnetic stripe is also stored in the center.

  Here, when the data of the passbook MS is degaussed for some reason and cannot be read by the automatic transaction apparatus, the customer cannot execute the automatic transaction and brings the passbook to the window.

  In order to solve such inconvenience, conventionally, when the data of the passbook MS cannot be read by the automatic transaction apparatus due to demagnetization or the like, there is a method for restoring the data of the passbook MS by the automatic transaction apparatus and enabling automatic transaction. Proposed. As a method of restoring the data of the passbook MS by the automatic transaction apparatus itself, by inserting a card (cash card) of the same account as the passbook, the page read by the automatic transaction apparatus and the printed line are compared with the center ledger. In some cases, the validity is confirmed and the data of the passbook MS is restored (see Patent Documents 1 and 2).

JP-A-11-175810 JP 2000-187756 A

  However, since the validity was checked only by comparing the page and printed line of the passbook detected by the automatic transaction device and the corresponding data in the ledger, the data related to other passbooks with the same page and printed line There is a possibility of writing in the passbook MS that has been demagnetized. Just by looking at the passbook with data written (restored) in the passbook MS from the outside, whether the wrong data was written and restored in the passbook MS, or correct data such as the original account number is written in the passbook MS It is not possible to judge whether the data has been properly restored. Thus, since it cannot be judged visually, the discovery that the data written in the passbook MS is incorrect data may be delayed.

  Therefore, there is a demand for an automatic transaction system and an automatic transaction apparatus that allow a customer to quickly recognize whether or not the data restored to the magnetic stripe of the passbook is correct.

According to a first aspect of the present invention, in an automatic transaction system in which an automatic transaction apparatus accepts a customer operation and receives a permission from a host apparatus to perform a transaction, the automatic transaction apparatus is inserted when (1) a passbook transaction is selected. MS data destruction determination means for determining whether or not the magnetic stripe data of the passbook is destroyed, and (2) an authentication medium corresponding to the inserted passbook when the magnetic stripe data is destroyed is inserted, to access the upper equipment based on information obtained from the authentication medium, based on information obtained from the higher-level device, when the establishment of the restoration condition is confirmed, the magnetic stripe of the passbook MS data restoring means for restoring the data of (3) When the MS data restoring means performs a restoration operation, among the information obtained from the authentication medium, the destroyed magnetic stripe Restore contents including information that is stored if years, and restoring the contents presenting means for visually presented to the customer, the restoration execution information indicating the (4) when the MS data restoring means has restored operation, the restored A restoration execution information storage means for storing in the magnetic stripe of the passbook; (5) a restoration execution information transmission means for sending and managing the restoration execution information to the host device; and (6) inserted when a passbook transaction is selected. If the data on the magnetic stripe of the passbook contains the restoration execution information, the restoration execution information is checked against the restoration execution information managed by the host device to determine whether the selected passbook transaction is executed. and a verification unit, (7) the host device, when the restoration execution information is transmitted from the automatic teller machine, comprise a restoration execution information management means for managing the recovery execution information And features.

  In the second aspect of the present invention, in an automatic transaction apparatus that accepts a customer's operation and performs a transaction by receiving permission from a host apparatus, (1) When the bankbook transaction is selected, the magnetic stripe data in the inserted bankbook is destroyed. (2) when the magnetic stripe data is destroyed, the authentication medium corresponding to the inserted passbook is inserted and obtained from the authentication medium. MS data restoring means for accessing the host device based on the information, and restoring the data of the magnetic stripe of the bankbook when the restoration condition is confirmed based on the information obtained from the host device; 3) a restoration execution information storage means for storing restoration execution information indicating restoration when the MS data restoration means performs a restoration operation; and (4) the restoration execution. (5) When the passbook transaction is selected, if the restoration execution information is included in the data of the magnetic stripe of the inserted passbook, It is characterized by comprising restoration execution information matching means for determining whether or not the selected passbook transaction is executed based on the result of matching with the restoration execution information managed by the host device.

  According to the automatic transaction system and the automatic transaction apparatus of the present invention, the customer can recognize at an early stage whether or not the data restored to the magnetic stripe of the passbook is correct.

It is a block diagram which shows the structure of the automatic transaction system containing the automatic transaction apparatus of 1st Embodiment. It is a flowchart which shows the data restoration operation | movement of the passbook MS in the automatic transaction apparatus of 1st Embodiment. It is explanatory drawing which shows an example which printed the content which shows having restored the data of the passbook MS with the automatic transaction apparatus of 1st Embodiment on the passbook. It is a flowchart which shows the data restoration operation | movement of passbook MS in the automatic transaction apparatus of 2nd Embodiment. In 2nd Embodiment, it is explanatory drawing which shows the structural example of the data recorded on the passbook MS at the time of decompression | restoration. It is a flowchart which shows a process when the passbook MS data of the passbook which the passbook transaction was selected in 2nd Embodiment and was inserted can be read normally.

(A) First Embodiment Hereinafter, a first embodiment of an automatic transaction system and an automatic transaction apparatus according to the present invention will be described in detail with reference to the drawings.

(A-1) Configuration of First Embodiment FIG. 1 is a block diagram showing a configuration of an automatic transaction system including an automatic transaction apparatus according to the first embodiment.

  In FIG. 1, an automatic transaction system 1 includes an automatic transaction apparatus 2 installed in a store or the like, and a host computer 3 installed in a center. The automatic transaction apparatus 2 and the host computer 3 have a communication line 4. It is designed to be able to communicate via. In the automatic transaction apparatus 2, a passbook 5 and a card (cash card) 6 possessed by a customer are inserted as appropriate. The host computer 3 has a ledger database 7 associated therewith.

  In the ledger database 7, for example, for each account, account information such as bank name, branch office name, account number, personal identification number, unrecorded information not recorded in the passbook, page information for final printing, line information for final printing, Balance information at the time of final printing, current balance information, and the like are stored.

  The automatic transaction apparatus 2 includes a passbook bookkeeping machine 11, a card reader / writer 12, a form bookkeeping machine 13, a customer operation unit 14, a banknote depositing / dispensing machine 15, a coin depositing / dispensing machine 16, and a control unit 17.

  In the bankbook recorder 11, the customer's bankbook 5 is appropriately inserted. The passbook recorder 11 has not only a passbook printing configuration, a passbook page turning configuration, and a passbook running configuration, but also a passbook MS access configuration and a passbook image processing configuration. 5 is printed, the data of the passbook MS is read, the data is written to the passbook MS, and the information is acquired from the passbook surface.

  The card reader / writer 12 is for inserting a customer's card 6 as appropriate. The card reader / writer 12 has a running configuration and an access configuration of the card 6 and accesses the card 6 under the control of the control unit 17. Here, the card 6 may be one in which data is recorded in a magnetic stripe, or one in which data is recorded in an IC chip or the like.

  The form entry machine 13 includes a form printing configuration, a form running configuration, and the like, and performs printing on the form under the control of the control unit 17.

  The customer operation unit 14 includes a touch panel, a display, and the like, and displays a guidance message screen or the like under the control of the control unit 17 and takes in icon information input by the customer.

  The banknote deposit / withdrawal machine 15 deposits / withdraws banknotes under the control of the control unit 17, and the coin deposit / withdrawal machine 16 deposits / withdraws coins under the control of the control unit 17.

  The control unit 17 controls the entire automatic transaction apparatus 2. In FIG. 1, the control unit 17 also has a communication function with the host computer 3 side. The control unit 17 includes software and a software execution configuration including a CPU, a ROM, a RAM, a hard disk, and the like, except for communication hardware. The software executed by the control unit 17 is an automatic transaction apparatus program as shown in FIG.

  The passbook 5 and the card 6 are the same as existing ones, and in the first embodiment, the passbook 5 and the card 6 themselves have no features.

  The hardware configuration of the host computer 3 is the same as the existing one. The processing and functions (program part) relating to the data recovery of the passbook MS in the host computer 3 are slightly different from the conventional ones, but will be clarified in the description of the operation described later.

(A-2) Operation of the First Embodiment Next, the operation of the automatic transaction apparatus 2 of the first embodiment, particularly the operation related to restoring the data of the passbook MS, with reference to FIG. explain. FIG. 2 shows a program part relating to data restoration of the passbook MS extracted from the automatic transaction apparatus program executed by the CPU constituting the control unit 17.

  When a passbook transaction such as passbook entry, deposit that can use the passbook, and withdrawal that can use the passbook is selected by the customer (S101), the control unit 17 A message requesting that the bankbook 5 be inserted is displayed on the operation unit 14, and the bankbook 5 inserted by the customer is fetched accordingly (S102).

  Then, the data of the passbook MS read by the passbook recorder 11 at the time of taking in the passbook 5 is taken in, and it is determined whether or not the data of the passbook MS has been read normally (S103). Here, when the data of the passbook MS can be read normally, the control unit 17 shifts to a normal passbook transaction process (S104).

On the other hand, when the data of the passbook MS cannot be read normally, the control unit 17 causes the customer operation unit 14 to display a guidance screen as to whether or not to restore the data of the passbook MS. Then, it is taken in whether or not the customer wishes to restore (S105). If the customer does not wish to restore the passbook MS data, the control unit 17 causes the passbook recorder 11 to return the passbook 5 to the customer (S106). At the time of this return, the control unit 17 causes the customer operation unit 14 to display a message that prompts the customer to bring the bankbook 5 to the counter because the data of the bankbook MS has been destroyed.

  When the customer instructs to restore the data of the passbook MS, the control unit 17 causes the passbook entry machine 11 to specify the print page of the corresponding passbook 5 (S107) and confirm the printed line (S108). . The print page is specified by, for example, reading a page specific mark printed in advance on each page from the double-page spread. The printed line is determined by recognizing the line with the largest line number among the lines describing the transaction contents by image processing.

  Thereafter, the control unit 17 causes the customer operation unit 14 to display a message for requesting insertion of the card 6 having the same account number as that of the bankbook 5, and in response to taking in the card 6 inserted by the customer (S109), A message screen requesting to input the password of the card 6 is displayed on the customer operation unit 14, and the password entered by the customer is fetched accordingly (S110). Although not shown in FIG. 2, in the case of a card subject to biometric authentication, a biometric reading operation or the like is also executed to check the card 6.

  Thereafter, the control unit 17 communicates with the host computer 3 installed in the center, and makes the host computer 3 confirm that the account number and password of the card 6 match those stored in the ledger database 7. After that, the printing page of the corresponding account, the printed line data, and other information necessary for data restoration of the passbook MS are read from the ledger database 7 and transmitted to the automatic transaction apparatus 2 (step S111). Although omitted in FIG. 2, the host computer 3 of the center matches the account number and personal identification number of the card 6 transmitted from the automatic transaction apparatus 2 with those stored in the ledger database 7. If this cannot be confirmed, a message to that effect is returned to the automatic transaction apparatus 2, and the automatic transaction apparatus 2 displays on the customer operation unit 14 that the data of the passbook MS cannot be restored, and displays the passbook 5 and the card 6 respectively. It is returned from the bankbook recorder 11 and the card reader / writer 12.

  When the control unit 17 of the automatic transaction apparatus 2 is given the print page of the corresponding account, the data of the printed line and other information necessary for MS restoration from the host computer 3 of the center, the print page and the printed The line is compared with the printed page detected by the automatic transaction apparatus 2 and the printed line (see S107 and S108 described above) (S112).

  If the comparison results are different, it is determined that the account numbers of the inserted card 6 and the passbook 5 are different, and the card 6 and the passbook 5 are returned from the passbook recorder 11 and the card reader / writer 12, respectively, and the customer operation The guidance message to be displayed on the unit 14 guides the customer to restore the data of the passbook MS at the window (S113).

  On the other hand, if the printed page and the printed line given from the host computer 3 at the center coincide with the printed page and the printed line detected by the automatic transaction apparatus 2, the control unit 17 The data entry device 11 is controlled to restore the data of the passbook MS by writing predetermined data to the passbook MS based on the information required for the data restoration of the passbook MS given from the host computer 3 (S114).

  Thereafter, the control unit 17 controls the passbook registering machine 11 to read the data of the passbook MS just written, and confirms whether the data has been normally written to the passbook MS (S115).

  When the data cannot be normally written to the passbook MS, the control unit 17 returns the card 6 and the passbook 5 from the passbook recorder 11 and the card reader / writer 12, respectively, and also displays a guidance message displayed on the customer operation unit 14. Then, it guides the customer to restore the data of the passbook MS at the window (S116). FIG. 2 shows a case where failure processing is performed immediately after one write failure. However, failure processing is performed by starting with write failure continuously for a maximum of N (for example, N is 2), and the number of failures is N. If the writing is successful before reaching the number of times, the process of step S117 when the writing is successful may be performed.

  On the other hand, when the data can be normally written in the bankbook MS (when the data in the bankbook MS can be restored), the control unit 17 controls the bankbook recorder 11 to restore the data in the bankbook MS. Is printed on the passbook 5 (S117). The printed contents are, for example, restored, restored date, restored store / device symbol, and restored card account number. The portion to be printed may be the middle page of the passbook 5 (description page for printing deposits, withdrawals, balances, etc.) or the cover of the passbook 5 and the back side of the cover (name of financial institution, It may be the back side of the cover on which the name of the branch, the account number, etc. are written. Since the account number is originally printed on the cover and the back of the cover, it can be easily visually determined whether the account number in the data written to the passbook MS by the restoration process is the same, so the back of the cover or cover In addition, it is desirable to print contents indicating that the data of the passbook MS has been restored.

  FIG. 3 is an explanatory diagram showing an example of the contents printed on the passbook 5 indicating that the data of the passbook MS has been restored. The print example PEX shown in FIG. 3 is in the vicinity of the line where the store number and account number are written on the cover of the passbook 5, and “restore: card account number 1234567 20-05-30 store number / device number: 345- 1374 "is printed.

  Note that the number of passbooks issued for each account is managed in the ledger database 7, and when restoring the data of the passbook MS, the number of times (Xth) passbook is managed in the ledger database 7. In this way, the print position may be changed according to the number of restorations. Alternatively, the restoration of the data of the passbook MS for the same number of passbooks may be limited to a predetermined number (for example, once).

  After performing the printing to the effect that the restoration has been performed, the control unit 17 performs processing of the passbook transaction selected by the customer in step S101 described above (S118), and then stores the card 6 and the passbook 5 in the passbook entry machine 11, It is returned from the card reader / writer 12 (S119), and the automatic transaction is completed.

(A-3) Effect of First Embodiment As described above, according to the first embodiment, data in the passbook MS that cannot be read is restored based on the insertion of a card in the same account and used for restoration. Since the account number of the card is printed on a passbook provided with a passbook MS from which data cannot be read, the customer can visually confirm the account number originally printed on the passbook. As a result, since a card of a different account is inserted and the restoration condition is satisfied, even if data of a different account is written in the passbook MS of the passbook, the account number and passbook associated with the printed restoration data are originally By comparing the printed account number, it is possible to recognize a mistake in restoration quickly (immediately after restoration).

(B) 2nd Embodiment Next, 2nd Embodiment of the automatic transaction system by this invention and an automatic transaction apparatus is described, referring drawings.

  The configuration of the automatic transaction system including the automatic transaction apparatus of the second embodiment can also be shown in FIG. 1 described in the first embodiment.

  In the second embodiment, the recovery data to be written to the passbook MS is written by adding information indicating that it is a restored passbook (MS recovery information), and similar MS recovery information is also managed in the ledger database 7. The passbook transaction using the restored passbook is different from the first embodiment in that a confirmation process using the restored information is performed.

  In the first embodiment, by leaving the trace of the card used for restoring the data of the passbook MS in the passbook by printing the information, it is easy to confirm whether the information such as the original account number was really restored to the passbook MS. Judgment was made (by visual inspection by customers). In the second embodiment, in addition to this (it may be replaced with this), a trace is left as restoration information in the data of the passbook MS, so that information such as the original account number is also stored in the passbook MS. Thus, it is possible to easily determine whether the data has been actually restored (by checking the restoration information).

  FIG. 4 is a flowchart showing the data recovery operation of the passbook MS in the automatic transaction apparatus according to the second embodiment, and the same corresponding steps as those in FIG. 2 according to the first embodiment are assigned the same reference numerals. As shown.

  Also in the second embodiment, for restoration, the printed page and the printed line given from the center host computer 3 coincide with the printed page and the printed line detected by the automatic transaction apparatus 2. Then, the control unit 17 controls the passbook recorder 11 to write the predetermined data given from the host computer 3 to the book MS. At this time, it is restored, restored date, restored store Add MS restoration information such as a device symbol and record it in the passbook MS (S214).

  FIG. 5 is an explanatory diagram showing a configuration example of data recorded in the passbook MS. Conventionally (the same applies to the first embodiment), as shown in FIG. 5A, the bankbook number, store number, account number, balance information, print page, and printed line are recorded in the passbook MS. In the second embodiment, as shown in FIG. 5B, the bank code number, the store number, the account number, the balance information, the print page, Printed lines and MS restoration information are recorded, and the rest is an empty area.

  Thereafter, the control unit 17 controls the passbook register 11 to read the data of the passbook MS that has just been written and confirms whether or not the data has been normally written to the passbook MS (S115), and then stores the data of the passbook MS. The contents indicating the restoration are printed on the book 5 (S117).

  In the second embodiment, the control unit 17 communicates with the host computer 3 in the center at the timing when the data of the passbook MS can be restored, and stores the MS restoration information additionally recorded in the passbook MS in the ledger database 7. Are also added (S220). Thereafter, the control unit 17 performs processing of the passbook transaction selected by the customer in step S101 (S118), and then returns the card 6 and the passbook 5 from the passbook recorder 11 and the card reader / writer 12, respectively (S119). ) Complete the automated transaction.

  Next, processing using the MS restoration information stored in the passbook MS and the ledger database 7 will be described with reference to the flowchart of FIG.

  The processing shown in FIG. 6 is executed when a passbook transaction is selected by the customer (S101), the passbook 5 is inserted (S102), and the data of the passbook MS of the inserted passbook 5 is normally read (FIG. 6). 4 S104). FIG. 6 shows a passbook transaction in which the card 6 is not inserted, but the technical idea of the second embodiment in which MS restoration information is used for processing even when the card 6 is inserted is applied. Can do.

  When the data in the passbook MS of the inserted passbook 5 can be read normally, the control unit 17 causes the passbook recorder 11 to specify the print page of the corresponding passbook 5 (S301) and confirms the printed line. (S302).

  Thereafter, the control unit 17 takes out the print page of the corresponding account, the data of the printed line, the MS restoration information, etc. stored in the ledger database 7 from the center host computer 3 (S303), and the inserted bankbook 5 It is determined whether the information recorded in the passbook MS matches the information stored in the ledger database 7 (S304). In this determination, the match between the MS restoration information of the passbook MS and the MS restoration information of the ledger database 7 is also confirmed.

  In the above description, the control unit 17 performs matching determination. However, the host computer 3 may perform matching determination. For example, the control unit 17 transmits the restoration information of the passbook MS to the host computer 3 and collates with the MS restoration information of the ledger database 7 on the host computer 3 side. If the result is a collation result, the process may be shifted to normal passbook transaction processing.

  When the MS restoration information of the passbook MS matches the MS restoration information of the ledger database 7, the control unit 17 shifts to a normal passbook transaction process (S305).

On the other hand, if the MS restoration information of the passbook MS and the MS restoration information of the ledger database 7 do not match, the control unit 17 communicates with the center host computer 3 to freeze the account and temporarily prohibit use. At the same time (S 306), the automatic transaction apparatus 2 is put in an error state, and the customer operation unit 14 displays that the attendant has been handled without returning the bankbook 5 from the bankbook entry machine 11 (S 307).

  In addition, when the entry for the passbook 5 in which the MS restoration information is stored becomes full and a new passbook 5 is issued, the MS restoration information is not stored in the passbook MS of the new passbook 5, and the ledger database 7 The MS restoration information may be deleted from. Conversely, when a new bankbook 5 is issued, the MS restoration information may be stored in the bankbook MS of the new bankbook 5 and the MS restoration information in the ledger database 7 may be maintained.

  As described above, according to the second embodiment, in addition to the effects of the first embodiment, an error in restoring the data in the passbook MS, falsification of the data in the passbook MS, etc. There is an effect that it can be discovered when.

  When the data of the passbook MS is restored, the MS restoration information is stored in the passbook MS and the ledger database 7, so that the MS restoration information is not stored in the passbook MS with respect to the restored account (passbook). The bankbook 5 should not be inserted. When there is no MS restoration information on the passbook 5 side even though there is MS restoration information in the ledger database 7, or conversely, there is no MS restoration information on the ledger database 7 side although there is MS restoration information in the passbook 5 When the card 6 of a different account is inserted at the time of restoration and the printed page and the printed line coincide with the ledger database 7 accidentally, the wrong account number data has been written in the passbook MS, or the passbook 5 has been forged or altered. May have been used.

(C) Other Embodiments In the description of each of the above embodiments, various modified embodiments have been mentioned, and further modified embodiments as exemplified below can be given.

  Of course, the order of processing in the above-described embodiments may be changed as long as it does not affect technical features. For example, the processes of steps S109 and S110 may be executed before the processes of steps S107 and S108 in FIG.

  In each of the above-described embodiments, when the data of the passbook MS is restored and printed, it is automatically transferred to the initially selected passbook transaction. However, when the data of the passbook MS is restored and printed, the passbook In addition, the card may be returned immediately, the initially selected passbook transaction may be automatically canceled, and if the customer desires the originally selected passbook transaction, the card may be executed again from the selection operation. In this case, before selecting the passbook transaction again, the printed contents (account number) related to restoration can be compared with the original information of the passbook, preventing erroneous transactions due to mistakes in restoration data Can do.

  In addition, when the data of the passbook MS is restored and printed, even if it automatically shifts to the originally selected passbook transaction, after at least returning the passbook and letting the customer confirm the restoration contents, The passbook may be reinserted to automatically shift to the initially selected passbook transaction.

  Further, in each of the above-described embodiments, what is printed on the passbook is disclosed to clarify that the restoration has been made, but it may be printed on other than the passbook. For example, for a form whose contents are printed by a transfer transaction or the like, contents that make it clear that the contents have been restored may be printed. In such a case, for example, when the data of the passbook MS is restored and printed on the form, the passbook and the card are immediately returned and the form is discharged, and the printed contents of the form and the original printed contents of the passbook The restoration contents may be confirmed immediately by comparison.

  Further, in each of the above-described embodiments, it has been shown that when it is determined that the data restoration has been normally performed, the restoration content is automatically printed. However, the customer is allowed to select whether or not to print the restoration content. In addition, the customer may also select a portion to be printed (such as the inside of a passbook, the cover of the passbook, the back of the passbook cover, and a form). Further, the restored content may be displayed on the customer operation unit 14 instead of being printed so that it can be collated with the original information in the passbook. In this case, even if the transaction is automatically transferred to the passbook transaction that was initially selected at the time of restoration, the passbook is temporarily returned, or it is not automatically transferred to the passbook transaction that was originally selected at the time of restoration. It is necessary to make it.

  In each of the above embodiments, when the data of the passbook MS cannot be read, the information for accessing the ledger database is obtained from the card instead of the passbook. However, the information is obtained from another authentication medium (for example, a mobile phone) You may do it.

  The automatic transaction apparatus according to the present invention may be of any type as long as it can handle a passbook and an authentication medium. For example, the present invention can be applied to an apparatus dedicated to passbook entry if an additional card insertion / reading configuration is provided.

  DESCRIPTION OF SYMBOLS 1 ... Automatic transaction system, 2 ... Automatic transaction apparatus, 3 ... Host computer, 5 ... Passbook, 6 ... Card (cash card), 7 ... Ledger database, 11 ... Passbook recorder, 12 ... Card reader / writer, 14 ... Customer operation Part, 17 ... control part.

Claims (2)

In an automatic transaction system in which an automatic transaction apparatus accepts a customer's operation and receives a permission from a host apparatus to perform a transaction,
The automatic transaction apparatus is
MS data destruction determination means for determining whether or not the magnetic stripe data of the inserted bankbook has been destroyed at the time of selecting a bankbook transaction;
When the data of the magnetic stripe is destroyed, the authentication medium corresponding to the inserted passbook is inserted, the host device is accessed based on the information obtained from the authentication medium, and obtained from the host device. MS data restoring means for restoring the data of the magnetic stripe of the passbook when the establishment of the restoration condition is confirmed based on the information;
When the MS data restoration means performs a restoration operation, the restoration contents including information originally stored in the destroyed magnetic stripe among the information obtained from the authentication medium is visually indicated to the customer. A restoration content presentation means to be presented;
When the MS data restoration means performs a restoration operation, restoration execution information storage means for storing restoration execution information indicating restoration in the magnetic stripe of the passbook;
Restoring execution information transmitting means for sending and managing the restoring execution information to the host device;
If the restoration execution information is included in the magnetic stripe data of the inserted passbook when selecting the passbook transaction, the restoration execution information managed by the host device is checked, and the selected passbook transaction is checked. A restoration execution information matching means for determining whether or not to execute,
The above-mentioned host device is provided with restoration execution information management means for managing the restoration execution information when the restoration execution information is transmitted from the automatic transaction device. In an automatic transaction apparatus that accepts a customer's operation and performs a transaction by receiving permission from a higher-level apparatus,
MS data destruction determination means for determining whether or not the magnetic stripe data of the inserted bankbook has been destroyed at the time of selecting a bankbook transaction;
When the data of the magnetic stripe is destroyed, the authentication medium corresponding to the inserted passbook is inserted, the host device is accessed based on the information obtained from the authentication medium, and obtained from the host device. MS data restoring means for restoring the data of the magnetic stripe of the passbook when the establishment of the restoration condition is confirmed based on the information;
When the MS data restoration means performs a restoration operation, restoration execution information storage means for storing restoration execution information indicating restoration in the magnetic stripe of the passbook;
Restoring execution information transmitting means for sending and managing the restoring execution information to the host device;
If the restoration execution information is included in the magnetic stripe data of the inserted passbook when selecting the passbook transaction, the selected passbook is based on the result of matching with the restoration execution information managed by the host device. An automatic transaction apparatus comprising: a restoration execution information matching unit that determines whether or not a transaction is executed.

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