JP6040833B2 - Medium processing apparatus and medium processing method - Google Patents

Description

  The present invention relates to a medium processing apparatus and a medium processing method.

  In recent years, a medium such as a card or a ticket on which a magnetic body capable of reading and writing magnetic information is formed is used in various apparatuses. An example of such a device is an automatic teller machine (ATM). As a medium on which a magnetic material is formed, a customer can perform various transactions such as deposit and withdrawal by inserting a card or a passbook into an ATM and reading and writing magnetic information.

  Here, since the magnetic material is affected by the magnetism from the outside, contact with the magnetism generated by the mobile phone or handbag magnet may change the magnetic information of the magnetic material, which may hinder the use of the medium. is there. As one countermeasure against such a problem, for example, Patent Document 1 discloses a technique for preventing magnetic information from being damaged by increasing the coercive force of a magnetic material formed in a passbook.

  Here, it is difficult to increase the coercive force of the low coercive force magnetic material formed in the existing passbook. Therefore, when the bankbook is switched, a bankbook having a high coercive force magnetic material is newly issued, thereby realizing a high coercivity of the bankbook. For this reason, during the transition period of bankbook switching, there are two types of bankbooks handled by ATM: low coercivity type bankbooks and high coercivity type bankbooks.

JP 2008-293377 A

  ATM determines the coercive force of a magnetic material before writing information to the magnetic material in order to prevent writing of information with a current value that is not suitable for the coercive force of the magnetic material formed on the medium and causing magnetic writing failure. There is a need. For example, ATM reads the magnetic information written in the magnetic material formed on the medium, and inquires the read information to the host device through the network, thereby determining the coercive force of the magnetic material.

  However, if the magnetic material formed on the medium does not contain correct information regarding the coercive force, there is a problem that ATM cannot determine the coercive force of the magnetic material. For example, when information on the coercive force is degaussed from the magnetic material formed on the medium, or when information on the coercive force is erroneously written by a higher-level instruction, ATM cannot correctly determine the coercive force of the magnetic material. .

  Therefore, the present invention has been made in view of the above problems, and the object of the present invention is to determine the magnetic material without inquiring of the host device even if it is difficult to make a determination only from magnetic information. It is an object of the present invention to provide a new and improved medium processing apparatus and medium processing method capable of determining coercive force.

  In order to solve the above problems, according to an aspect of the present invention, a magnetic reading unit that reads information written on a magnetic body formed on a medium, and an optical reading that reads an information code formed on the medium. A determination unit that determines a coercive force of the magnetic body based on reading results by the magnetic reading unit and the optical reading unit, and controls transaction processing of the medium according to the coercive force determined by the determination unit And a control unit that provides a medium processing apparatus.

  The medium processing apparatus may further include a writing unit that writes write information to the magnetic body with a current value suitable for the coercive force determined by the determination unit based on control by the control unit.

  The determination unit may determine the coercive force of the magnetic body based on the reading result of the optical reading unit when the coercive force of the magnetic body cannot be determined based on the reading result of the magnetic reading unit. Good.

  The control unit may control the writing unit to write the writing information again when an error occurs when the writing information is written by the writing unit.

  The determination unit determines the coercive force of the magnetic body again based on the reading result by the optical reading unit when the writing unit writes the writing information again, and the writing unit The write information may be written to the magnetic body with a current value suitable for the coercive force determined again by the determination unit.

  When the writing unit writes the writing information again by the writing unit, the coercive force of the magnetic body is based on a comparison result between a reading result by the magnetic reading unit and a reading result by the optical reading unit. The writing unit may write the write information to the magnetic body with a current value suitable for the coercive force determined again by the determination unit.

  When the coercive force determined again by the determination unit is the first coercive force, the control unit forms a magnetic body having a second coercive force that is higher than the first coercive force. It may be controlled to newly issue the medium.

  The medium may be a passbook.

  In order to solve the above problems, according to another aspect of the present invention, a step of reading information written on a magnetic body formed on a medium and a step of reading an information code formed on the medium A medium processing method comprising: determining a coercive force of the magnetic body based on a read result; and controlling a transaction process of the medium according to the determined coercive force.

  As described above, according to the present invention, it is possible to determine the coercive force of a magnetic material without making an inquiry to a host device even if it is difficult to determine only from magnetic information.

It is explanatory drawing which shows the structure of the automatic transaction system which concerns on one Embodiment of this invention. It is explanatory drawing which shows the external appearance structure of the automatic transaction apparatus which concerns on one Embodiment of this invention. It is explanatory drawing which shows the structure of the passbook which concerns on one Embodiment of this invention. It is explanatory drawing which shows the pre-encoding data of the magnetic stripe formed in the passbook which concerns on one Embodiment of this invention. It is explanatory drawing which shows the pre-encoding data of the magnetic stripe formed in the low coercive force type passbook used conventionally. It is a block diagram which shows the internal structure of the automatic transaction apparatus which concerns on 1st Embodiment. It is explanatory drawing which shows schematically the internal structure of the automatic transaction apparatus which concerns on 1st Embodiment. It is a flowchart which shows the operation | movement process of the automatic transaction apparatus which concerns on 1st Embodiment. It is a flowchart which shows the operation | movement process of the automatic transaction apparatus which concerns on 2nd Embodiment. It is a flowchart which shows the retry process of the automatic transaction apparatus which concerns on 2nd Embodiment. It is a flowchart which shows the operation | movement process of the automatic transaction apparatus which concerns on the modification 1. It is a flowchart which shows the retry process of the automatic transaction apparatus which concerns on 3rd Embodiment.

  Exemplary embodiments of the present invention will be described below in detail with reference to the accompanying drawings. In addition, in this specification and drawing, about the component which has the substantially same function structure, duplication description is abbreviate | omitted by attaching | subjecting the same code | symbol.

<1. Basic configuration of automatic transaction system>
The present invention can be implemented in various forms. Below, the basic structure of the automatic transaction apparatus which concerns on one Embodiment of this invention, and the automatic transaction system containing an automatic transaction apparatus is demonstrated with reference to FIGS.

  FIG. 1 is an explanatory diagram showing a configuration of an automatic transaction system according to an embodiment of the present invention. As shown in FIG. 1, the automatic transaction system includes a plurality of automatic transaction apparatuses 10, a dedicated network 14, and a financial institution host 18.

  The dedicated network 14 is a network of a financial institution, and is configured by, for example, an IP-VPN (Internet Protocol-Virtual Private Network). The automatic transaction apparatus 10 and the financial institution host 18 are connected via the dedicated network 14.

  The financial institution host 18 is a host device that controls various transactions by communicating with the automatic transaction apparatus 10 via the dedicated network 14. For example, the financial institution host 18 executes a financial transaction (account transaction process) such as authentication of a customer who operates the automatic transaction apparatus 10 or payment or transfer instructed by the customer in the automatic transaction apparatus 10. The financial institution host 18 manages customer information (account ledger) such as account number, personal identification number, name, address, age, date of birth, telephone number, occupation, family structure, annual income, and deposit account balance.

  The automatic transaction apparatus 10 is a customer operation type terminal that executes money transactions based on operations by customers of financial institutions. The automatic transaction apparatus 10 is installed in various facilities such as a financial institution sales store, a convenience store, a station premises, a hotel, a hospital, an amusement park, a restaurant, and an office building. Hereinafter, the external configuration of the automatic transaction apparatus 10 will be described with reference to FIG.

  FIG. 2 is an explanatory diagram showing an external configuration of the automatic transaction apparatus 10 according to an embodiment of the present invention. As shown in FIG. 2, the automatic transaction apparatus 10 includes a passbook insertion slot 22, a card insertion slot 26, a coin insertion slot 30, a bill insertion slot 34, and an operation display unit 38.

  The operation display unit 38 includes a function as a display unit that displays an operation guidance screen by a customer and a customer operation unit that detects a customer operation. The function as the display unit is realized by, for example, a CRT (Cathode Ray Tube) display device, a liquid crystal display (LCD) device, or an OLED (Organic Light Emitting Diode) device. Moreover, the function as a customer operation part is implement | achieved by the touch panel, for example. 2 shows an example in which the functions of the display unit and the customer operation unit are integrally configured in the automatic transaction apparatus 10, but the functions of the display unit and the customer operation unit are configured separately. Also good.

  The passbook insertion port 22 inserts and discharges the customer's passbook. The card insertion slot 26 inserts and discharges a customer's card. Moreover, the coin insertion slot 30 has a function as a deposit slot for coins by a customer and a withdrawal slot for coins to the customer. Moreover, the banknote insertion port 34 has a function as a depositing port of the banknote by a customer, and a withdrawal port of the banknote to a customer.

  The bankbook handled by the automatic transaction apparatus 10 is usually provided with a magnetic stripe. The automatic transaction apparatus 10 can obtain various information about the customer by reading from the magnetic stripe. Hereinafter, such a passbook will be described more specifically with reference to FIGS.

  FIG. 3 is an explanatory diagram showing the configuration of the passbook 42 according to an embodiment of the present invention. As shown in FIG. 3, the passbook 42 is a booklet-like medium in which a cover sheet 50, a back cover sheet 54, and a middle sheet 58 including a detailed page on which transaction contents are printed are bound. A magnetic stripe 46 is formed on the back cover 54. A page mark 48 is formed on an intermediate sheet 58 including a turnover page that is a page in which the cover sheet 50 is turned over, a detailed page on which transaction contents are printed, and the like. An identification mark 44 is formed on the cover sheet 50 and the intermediate sheet 58.

  The page mark 48 stores information such as the number of pages and the subject of the intermediate paper 58 on which the page mark 48 is formed. By reading the page mark 48, the automatic transaction apparatus 10 can open a desired detail page and print transaction information.

  The identification mark 44 is an information code indicating the coercive force type of the bankbook 42. In this specification, it is assumed that the identification mark 44 is formed on the high coercive force type bankbook 42 and the identification mark 44 is not formed on the low coercive force type bankbook 42. The automatic transaction apparatus 10 can determine whether the bankbook 42 is a high coercive force type or a low coercive force type based on the presence or absence of the identification mark 44.

  The magnetic stripe 46 stores account information such as a store number, subject, and account number of a financial institution as magnetic data (magnetic information). For this reason, the automatic transaction apparatus 10 can read account information from the magnetic stripe 46 of the bankbook 42, and can perform the money transaction instruct | indicated by the customer based on the read account information. There are a plurality of types of coercive force of the magnetic stripe 46 of the bankbook 42. Specifically, the magnetic stripe 46 of the bankbook 42 can be of two types: a high coercive force type having a high coercive force and a low coercive force type having a low coercive force. For example, the coercive force of the high coercive force type may be 2750 Oersted (2750 Oe = 218.9 kA / m), and the coercive force of the low coercive force type may be 300 Oersted (300 Oe = 23.9 kA / m). Then, the automatic transaction apparatus 10 writes information with a current value suitable for the high coercive force for the high coercive force type bankbook 42 and the low coercive force type bankbook 42 for the low coercive force type bankbook 42. Information is written at a current value suitable for the current. Here, if the automatic transaction apparatus 10 writes information with a current value that is not suitable for the coercive force of the magnetic stripe 46, it may cause a magnetic writing failure and cannot correctly write information to the magnetic stripe 46. On the other hand, the magnetic data written in the magnetic stripe 46 can be read under the same conditions regardless of whether it is a low coercive force type or a high coercive force type.

  Hereinafter, the magnetic data stored in the magnetic stripe 46 will be described with reference to FIGS.

  FIG. 4 is an explanatory diagram showing pre-encoded data of the magnetic stripe 46 formed in the passbook 42 according to an embodiment of the present invention. As shown in FIG. 4, the magnetic data of the magnetic stripe 46 formed in the passbook 42 has at least an area in which a store number, subject, account number, passbook type information, and coercive force identification information are written. The pre-encoded data is data stored in the magnetic stripe 46 when the passbook 42 is in an unused initial state. In the unused passbook 42, information is written only in the areas of passbook type information and coercive force identification information as pre-encoded data, and all other areas have initial values “0”. When the automatic transaction apparatus 10 issues a new passbook 42, it issues a store number, subject, and account number as issue information.

  As shown in FIG. 4, as pre-encoded data, passbook type information “01” is written when the passbook 42 is a general account, and passbook type information “02” is written when the passbook 42 is an ordinary deposit. If the bankbook 42 is a low coercive force type, coercive force identification information “0” is written, and if the passbook 42 is a high coercive force type, coercive force identification information “1” is written. As described above, there are cases where the bankbook 42 of the high coercive force type and the bankbook 42 of the low coercive force type are mixed even in the bankbook 42 of the same general account. In some cases, the high coercive force type bankbook 42 and the low coercive force type bankbook 42 are mixed. The automatic transaction apparatus 10 can determine the coercive force type of the bankbook 42 by reading the coercive force identification information stored in the magnetic stripe 46.

  Next, with reference to FIG. 5, magnetic data stored in a magnetic stripe formed in a conventionally used low coercive force type passbook before the appearance of the high coercive force type passbook 42 will be described. FIG. 5 is an explanatory diagram showing pre-encoded data of a magnetic stripe formed in a conventional low coercive force type passbook. As shown in FIG. 5, the magnetic data stored in the magnetic stripe has at least an area where the store number, subject, account number, and passbook type information are written, but has the coercive force identification information shown in FIG. Not.

  Here, as shown in FIG. 5, an initial value “0” is stored as a spare area at the position of the number of digits “16” where the coercive force identification information is written in FIG. For this reason, the automatic transaction apparatus 10 can determine that it is a low coercive force type passbook 42 even if it is a conventionally used passbook 42 because the value of the number of digits “16” is “0”. it can.

  When the transaction details are printed on the detail page of the passbook 42, the automatic transaction apparatus 10 carries over the passbook 42 if there is not enough margin for printing the transaction details on the detail page of the passbook 42. More specifically, the automatic transaction apparatus 10 prints the contents of the transaction that cannot be printed on the existing bankbook 42 on the new bankbook 42 and issues a new bankbook 42 to the customer. At this time, the existing bankbook 42 is returned to the customer. Also, when an error occurs in the process of issuing a new passbook 42, the existing passbook 42 is returned to the customer.

  Another example of a medium that has the same magnetic material as the magnetic stripe 46 and can be newly issued by the automatic transaction apparatus 10 is, for example, a transfer card. The customer can cause the automatic transaction apparatus 10 to issue a transfer card in which transfer information such as a transfer destination account number and a store number is written. Moreover, the automatic transaction apparatus 10 can read transfer information from the magnetic body of the inserted transfer card, and can perform the money transaction instruct | indicated by the customer based on the read transfer information.

  The basic configuration of the automatic transaction system according to an embodiment of the present invention has been described above. Subsequently, each embodiment will be described.

<2. First Embodiment>
[2-1. Constitution]
First, the internal configuration of the automatic transaction apparatus 10 will be described with reference to FIGS. FIG. 6 is a block diagram showing an internal configuration of the automatic transaction apparatus 10 according to the first embodiment. FIG. 7 is an explanatory diagram schematically showing the internal configuration of the automatic transaction apparatus 10 according to the first embodiment. As shown in FIGS. 6 and 7, the automatic transaction apparatus 10 includes a medium feeding unit 104, a magnetic stripe processing unit 108, a medium transporting unit 112, an optical reading unit 116, a printing unit 124, and a page turning. Part 128. Moreover, as shown in FIG. 6, the automatic transaction apparatus 10 further includes a control unit 100, a communication unit 120, and a medium take-in unit 132. Here, the medium take-in unit 132 includes the storage unit 136 and the take-in roller 140 in FIG. As shown in FIG. 7, the automatic transaction apparatus 10 further includes a passbook insertion port 22, a conveyance path 144, a temporary holding unit 156, a passbook transaction unit 160, and a passbook loading unit 164.

(Passbook loading unit 164)
The passbook loading unit 164 has a function of holding an unused passbook 42 for newly issuing the passbook 42. Specifically, the passbook loading unit 164 may include at least one loading unit into which the passbook cassette 148 including the passbook bundle 152 is loaded, and one or more passbook cassettes 148 may be loaded.

(Passbook cassette 148)
The bankbook cassette 148 includes a bankbook bundle 152 and is loaded into the bankbook loading unit 164. The passbook loading unit 164 may be loaded with a plurality of passbook cassettes 148a to 148d.

(Bundle of bankbooks 152)
The bankbook bundle 152 is a bundle of unused bankbooks 42 used for new issuance. The passbook cassettes 148a to 148d loaded in the passbook loading unit 164 may include bundles of passbooks 152a to 152d, respectively.

(Medium feeding unit 104)
The medium feeding unit 104 includes feeding rollers 104a to 104d, and feeds the unused passbook 42 from the passbook bundle 152 to the transport path 144 when newly issuing.

(Passbook Transaction Department 160)
The bankbook transaction unit 160 performs transaction processing based on the bankbook 42. For example, the passbook transaction unit 160 reads customer information from the passbook 42 inserted by the customer, performs a transaction based on the customer operation, records the transaction content in the passbook 42, and issues (returns) the transaction to the customer. In addition, the passbook transaction unit 160 records information such as an account number and an account type as issue information in the unused passbook 42 and newly issues it to the customer.

(Control unit 100)
The control unit 100 functions as an arithmetic processing unit and a control unit, and controls the overall operation in the automatic transaction apparatus 10 according to various programs. The control unit 100 is realized by, for example, a CPU (Central Processing Unit) and a microprocessor. The control unit 100 may include a ROM (Read Only Memory) that stores programs to be used, calculation parameters, and the like, and a RAM (Random Access Memory) that temporarily stores parameters that change as appropriate.

  More specifically, the control unit 100 serves as a determination unit that determines the coercive force of the magnetic stripe 46 formed in the passbook 42 based on the reading results of the magnetic stripe processing unit 108 and the optical reading unit 116 described later. It has a function. Moreover, the control part 100 controls the transaction process of the bankbook 42 based on the determined coercive force.

(Communication unit 120)
The communication unit 120 is connected to a LAN (Local Area Network), a telephone line, or the like, and communicates with the financial institution host 18 via the dedicated network 14 shown in FIG.

(Optical reading unit 116)
The optical reading unit 116 has a function as an optical reading unit that reads the identification mark 44 formed on the bankbook 42. In this embodiment, when the optical reading unit 116 reads that the identification mark 44 is formed on the passbook 42, the control unit 100 determines that the passbook 42 is a high coercive force type. When the optical reading unit 116 reads that the identification mark 44 is not formed on the passbook 42, the control unit 100 determines that the passbook 42 is a low coercive force type. In addition, the optical reading unit 116 detects how many lines of the detail page of the passbook 42 are printed. The optical reading unit 116 detects which page is currently opened by reading the page mark 48 printed on the detail page.

(Printing part 124)
The printing unit 124 prints the transaction content on the detail page of the passbook 42 or prints the customer name, account number, etc. on the cover 50 and the return page of the passbook 42.

(Page turning part 128)
The page turning unit 128 turns the cover 50 of the bankbook 42 and other detailed pages so that the page instructed by the control unit 100 is opened.

(Magnetic stripe processing unit 108)
The magnetic stripe processing unit 108 has a function as a magnetic reading unit that reads magnetic data of the magnetic stripe 46 formed in the passbook 42. The magnetic stripe processing unit 108 also has a function as a writing unit that writes write information to the magnetic stripe 46 with a current value suitable for the coercive force of the magnetic stripe 46 determined by the control unit 100. In the present embodiment, as described above with reference to FIGS. 4 and 5, when the magnetic stripe processing unit 108 reads “1” at the position of the number of digits “16”, the passbook 42 is stored by the control unit 100. It is determined to be a high coercive force type. In addition, when the magnetic stripe processing unit 108 reads “0” at the position of the number of digits “16”, the control unit 100 determines that the bankbook 42 is a low coercive force type. The magnetic stripe processing unit 108 reads the coercive force identification information, the store number, the account number, and the like from the magnetic stripe 46 and writes the transaction content as write information with a current value suitable for the coercive force of the magnetic stripe 46.

(Conveyance path 144)
The conveyance path 144 is a path of the bankbook 42 in the automatic transaction apparatus 10.

(Medium transport unit 112)
The medium transport unit 112 includes transport rollers 112 a to 112 l and has a function as a transport unit that transports the bankbook 42 along the transport path 144.

(Medium take-in part 132)
The medium take-in unit 132 takes in the bankbook 42 that the customer forgot to take or the bankbook 42 in which the processing is interrupted. As described above, the medium take-in unit 132 includes the storage unit 136 and the take-in roller 140.

(Take-in roller 140)
The take-in roller 140 conveys the bankbook 42 that the customer has forgotten to take or the bankbook 42 for which processing has been interrupted to the accommodation unit 136.

(Receiving part 136)
The storage unit 136 stores and stores the passbook 42 taken in by the take-in roller 140.

(Temporary holding part 156)
The temporary holding unit 156 temporarily holds the existing bankbook 42 inserted by the customer when carrying over the bankbook 42.

  The internal configuration of the automatic transaction apparatus 10 has been described above.

[2-2. Operation processing]
In the present embodiment, when the control unit 100 cannot determine the coercive force of the magnetic stripe 46 based on the reading result of the magnetic stripe 46 by the magnetic stripe processing unit 108, it is based on the reading result by the optical reading unit 116. Thus, the coercive force of the magnetic stripe 46 is determined. Hereinafter, with reference to FIG. 8, the operation process of the automatic transaction apparatus 10 according to the present embodiment will be described.

  FIG. 8 is a flowchart showing an operation process of the automatic transaction apparatus 10 according to the first embodiment. As shown in FIG. 8, first, in step S102, when the automatic transaction apparatus 10 performs transaction processing in accordance with an instruction from the host by a customer operation or the like, the bankbook 42 inserted into the bankbook insertion slot 22 by the customer is stored in the medium. It is received inside by the transfer unit 112.

  Next, in step S104, the magnetic stripe processing unit 108 reads the magnetic data written in the magnetic stripe 46 of the accepted bankbook 42.

  Next, in step S106, the control unit 100 determines whether or not the magnetic stripe processing unit 108 has normally read the coercive force identification information as magnetic data. For example, when the coercive force identification information is “0” or “1”, the control unit 100 determines that the coercive force information is normally read, and the coercive force identification information is a value other than “0” and “1”. If it is, since it is an abnormal value, it is determined that it could not be read normally.

  When the coercive force identification information is normally read (S106 / YES), in step S108, the control unit 100 determines whether or not the read coercive force identification information is “1”.

  When the coercive force identification information is “1” (S108 / YES), in step S110, the control unit 100 determines that the bankbook 42 is a high coercive force type. Next, in step S <b> 112, the optical reading unit 116 reads the identification mark 44 together with the page mark 48. Next, in step S <b> 114, the printing unit 124 prints transaction contents on the bankbook 42. At this time, if page carryover occurs, the page turning unit 128 turns the page, and the printing unit 124 performs the remaining printing. Next, in step S116, the magnetic stripe processing unit 108 writes the transaction contents in the magnetic stripe 46 with a current value suitable for high coercive force.

  When the coercive force identification information is not “1” (S108 / NO), that is, when it is “0”, in step S120, the control unit 100 determines that the bankbook 42 is a low coercive force type. Next, in step S <b> 122, the optical reading unit 116 reads the identification mark 44 together with the page mark 48. Next, in step S <b> 124, the printing unit 124 prints transaction contents on the bankbook 42. At this time, if page carryover occurs, the page turning unit 128 turns the page, and the printing unit 124 performs the remaining printing. Next, in step S126, the magnetic stripe processing unit 108 writes the transaction contents in the magnetic stripe 46 with a current value suitable for the low coercive force.

  Thus, when the automatic transaction apparatus 10 according to the present embodiment reads the coercive force identification information normally (S106 / YES), based on the read coercive force identification information without using the reading result of the identification mark 44. Write with the current value.

  On the other hand, when the coercive force identification information cannot be read normally (S106 / NO), the optical reading unit 116 reads the identification mark 44 together with the page mark 48 in step S130. Next, in step S <b> 132, the control unit 100 determines whether or not the optical reading unit 116 has read the identification mark 44, that is, the presence or absence of the identification mark 44.

  When the presence of the identification mark 44 is read (S132 / YES), the process proceeds to the above-described steps S114 and S116, and the magnetic stripe processing unit 108 deals with the magnetic stripe 46 with a current value suitable for high coercive force. Write the contents.

  When it is read that there is no identification mark 44 (S132 / NO), the process proceeds to steps S124 and S126 described above, and the magnetic stripe processing unit 108 deals with the magnetic stripe 46 with a current value suitable for the low coercive force. Write the contents.

  As described above, the automatic transaction apparatus 10 according to the present embodiment, when the coercive force cannot be determined from the magnetic data reading result (S106 / NO), is determined based on the reading result of the identification mark 44. Is written to the magnetic stripe 46 at a current value suitable for the above.

  After step S116 or step S126, in step S140, the automatic transaction apparatus 10 issues (returns) the bankbook 42 to the customer by discharging the bankbook 42 from the bankbook insertion slot 22, and ends the process.

  As described above, the automatic transaction apparatus 10 according to the present embodiment can determine the coercive force type from the magnetic stripe 46 based on the coercive force identification information. For this reason, the automatic transaction apparatus 10 determines the coercive force type without inquiring of the host device even when there are a mixture of different coercive force type passbooks 42 of the same passbook type, such as a transition period of bankbook switching. Magnetic writing processing with an appropriate current value can be performed. For this reason, the automatic transaction apparatus 10 can respond to the high coercive force of the bankbook 42, without requiring a change such as adding a function for determining the coercive force of the magnetic stripe 46 to the host device.

  Furthermore, since the automatic transaction apparatus 10 can determine the coercive force based on the presence / absence of the identification mark 44, the coercive force identification information stored in the magnetic stripe 46 cannot be normally read due to demagnetization or the like. However, the processing can be continued without stopping.

  In general automatic transaction apparatuses, a page mark is often read after reading a magnetic stripe. For this reason, even in an existing automatic transaction apparatus, by reading the identification mark 44 in accordance with the reading of the page mark 48, the existing automatic transaction apparatus can function as the automatic transaction apparatus 10 according to the present embodiment without significantly changing the existing processing. be able to.

  The operation process of the automatic transaction apparatus 10 according to the first embodiment has been described above.

<3. Second Embodiment>
In the present embodiment, the magnetic writing process is performed with a current value suitable for the coercive force determined based on the magnetic data reading result, and when an error occurs in the writing process, the coercive force is determined again and the magnetic force is regenerated. Write processing. This is because the cause of the error may be that the coercivity determined based on the magnetic data reading result is incorrect.

  The automatic transaction apparatus 10 reads the magnetic data again after writing the transaction contents to the magnetic stripe 46 in order to determine whether an error has occurred, that is, whether the writing process has been completed normally. When it is determined that an error has occurred as a result of the reading, the automatic transaction apparatus 10 determines the coercive force again based on the reading result of the identification mark 44, and uses the magnetic stripe 46 with a current value suitable for the determined coercive force. Write again to.

  Since the configuration of the automatic transaction apparatus 10 according to the present embodiment is as described in the first embodiment, a detailed description thereof is omitted here. Hereinafter, with reference to FIG. 9, FIG. 10, the operation process of the automatic transaction apparatus 10 which concerns on this embodiment is demonstrated.

  FIG. 9 is a flowchart showing an operation process of the automatic transaction apparatus 10 according to the second embodiment. As shown in FIG. 9, first, in step S202, when the automatic transaction apparatus 10 performs a transaction process in accordance with an instruction from the host by a customer operation or the like, the bankbook 42 inserted into the bankbook insertion slot 22 by the customer is stored in the medium. It is received inside by the transfer unit 112.

  Next, in step S204, the magnetic stripe processing unit 108 reads the magnetic data written in the magnetic stripe 46 of the accepted bankbook 42.

  Next, in step S208, the control unit 100 determines whether or not the coercive force identification information read by the magnetic stripe processing unit 108 as magnetic data is “1”.

  When the coercive force identification information is “1” (S208 / YES), the automatic transaction apparatus 10 performs the same operations as steps S110 to S116 described with reference to FIG. 8 in steps S210 to S216. In the present embodiment, the control unit 100 stores the reading result of the identification mark 44 in step S212 until the bankbook 42 is discharged. Thereafter, in step S218, the control unit 100 determines whether or not the magnetic writing process by the magnetic stripe processing unit 108 in step S216 has been normally completed. For example, the control unit 100 reads the magnetic data of the magnetic stripe 46 again after the magnetic writing process, and compares the written information with the read information to determine whether the magnetic writing process has been normally completed.

  When the magnetic writing process is normally completed (S218 / YES), in step S240, the automatic transaction apparatus 10 issues (returns) the bankbook 42 to the customer by discharging the bankbook 42 from the bankbook insertion slot 22, and ends the process. To do. On the other hand, when the magnetic writing process is abnormally terminated (S218 / NO), the automatic transaction apparatus 10 performs a retry process in step S230. Since the retry process in step S230 will be described later with reference to FIG. 10, a detailed description thereof is omitted here. After the retry process, the process proceeds to step S240.

  On the other hand, when the coercive force identification information is not “1” (S208 / NO), the automatic transaction apparatus 10 performs the same operations as steps S120 to S126 described with reference to FIG. 8 in steps S220 to S226. Do. In the present embodiment, the control unit 100 stores the reading result of the identification mark 44 in step S222 until the bankbook 42 is discharged. Thereafter, in step S228, the control unit 100 determines whether or not the magnetic writing processing by the magnetic stripe processing unit 108 in step S226 has been normally completed, as in step S218.

  When the magnetic writing process is normally completed (S228 / YES), the process proceeds to step S240. On the other hand, when the magnetic writing process ends abnormally (S228 / NO), the automatic transaction apparatus 10 performs a retry process in step S230. Hereinafter, the retry process in step S230 will be described with reference to FIG.

  FIG. 10 is a flowchart showing retry processing of the automatic transaction apparatus 10 according to the second embodiment. As shown in FIG. 10, first, in step S300, the control unit 100 determines whether or not the identification mark 44 is present. More specifically, the control unit 100 determines whether or not the optical reading unit 116 has read that the identification mark 44 is formed on the passbook 42 in step S212 or S222.

  When it determines with the identification mark 44 (S300 / YES), the control part 100 determines with the bankbook 42 being a high coercive force type by step S302. In step S304, the magnetic stripe processing unit 108 again writes the transaction contents in the magnetic stripe 46 with a current value suitable for the high coercive force.

  When it is determined that there is no identification mark 44 (S300 / NO), in step S312, the control unit 100 determines that the bankbook 42 is a low coercive force type. In step S314, the magnetic stripe processing unit 108 again writes the transaction contents in the magnetic stripe 46 with a current value suitable for the low coercive force.

  The retry process in step S230 has been described above.

  As described above, the automatic transaction apparatus 10 according to the present embodiment determines the coercive force type again based on the presence or absence of the identification mark 44 when an error occurs in the magnetic writing process, and performs the magnetic writing in the retry process. The current value can be switched. The automatic transaction apparatus 10 can reduce the failure of the magnetic writing process by performing the determination of the coercive force from another viewpoint, that is, the determination based on the coercive force identification information and the determination based on the presence or absence of the identification mark 44. it can.

  The operation process of the automatic transaction apparatus 10 according to the second embodiment has been described above.

(Modification 1)
In this modification, at the stage of reading the identification mark 44, the coercive force type indicated by the reading result of the identification mark 44 is compared with the coercive force type indicated by the magnetic data, and the determination is made again based on the comparison result in the retry process. The writing process is performed at a current value suitable for the coercive force. Hereinafter, with reference to FIG. 11, the operation process of the automatic transaction apparatus 10 according to the present modification will be described.

  FIG. 11 is a flowchart showing an operation process of the automatic transaction apparatus 10 according to the first modification. As shown in FIG. 11, in the operation process according to this modification, steps S213 and S223 are added to the flowchart shown in FIG. 10, and step S232 is added instead of step S230. Therefore, only these added processes will be described below.

  In step S213, the control unit 100 compares the reading result of the coercive force identification information in step S204 with the reading result of the identification mark 44 in step S212. That is, the control unit 100 compares the coercive force type indicated by the coercive force identification information of the magnetic data with the coercive force type indicated by the presence or absence of the identification mark 44.

  In step S223, as in step S213, the control unit 100 compares the coercive force type indicated by the coercive force identification information of the magnetic data with the coercive force type indicated by the presence or absence of the identification mark 44.

  In step S232, the automatic transaction apparatus 10 again determines the coercive force of the magnetic stripe 46 based on the comparison result in step S213 or S223, and performs the magnetic writing process again with a current value suitable for the determined coercive force.

  For example, when the coercive force type indicated by the coercive force identification information and the coercive force type indicated by the presence or absence of the identification mark 44 are the same, the control unit 100 determines again that the passbook 42 is the coercive force type indicated by both. On the other hand, when the coercive force type indicated by the coercive force identification information and the coercive force type indicated by the presence or absence of the identification mark 44 are different, the control unit 100 determines again that the passbook 42 is the coercive force type indicated by any one. At this time, the control unit 100 may prioritize the coercive force type indicated by either the coercive force identification information or the presence or absence of the identification mark 44. In addition, when the coercive force type indicated by the coercive force identification information and the coercive force type indicated by the presence or absence of the identification mark 44 are different, the control unit 100 determines that the passbook 42 is different from the coercive force type determined in S210 or S220. You may determine again that it is a type.

  Then, the automatic transaction apparatus 10 performs a magnetic writing process on the magnetic stripe 46 with a current value suitable for the coercive force type determined again.

  As described above, the automatic transaction apparatus 10 according to the present modification can control the retry process based on the comparison result obtained when the identification mark 44 is read.

  The operation process of the automatic transaction apparatus 10 according to the modification 1 has been described above.

<3. Third Embodiment>
In the present embodiment, when it is determined again in the retry process that the bankbook 42 is of the low coercive force type, it is carried over to the bankbook 42 of the high coercive force type. Since the configuration of the automatic transaction apparatus 10 according to the present embodiment is as described in the first embodiment, a detailed description thereof is omitted here. Hereinafter, with reference to FIG. 12, the operation process of the automatic transaction apparatus 10 according to the present embodiment will be described. Note that this embodiment operates in the same manner as the operation according to the second embodiment described above with reference to FIG. 9, and in the retry process in step S <b> 230, instead of the operation described above with reference to FIG. 10. The operation described below with reference to FIG. 12 is performed.

  FIG. 12 is a flowchart showing retry processing of the automatic transaction apparatus 10 according to the third embodiment. As shown in FIG. 12, first, in step S400, the control unit 100 determines whether or not the identification mark 44 is present.

  When it determines with the identification mark 44 (S400 / YES), the control part 100 determines with the bankbook 42 being a high coercive force type by step S402. In step S <b> 408, the magnetic stripe processing unit 108 again writes the transaction contents in the magnetic stripe 46 with a current value suitable for high coercive force.

  When it is determined that there is no identification mark 44 (S400 / NO), in step S412, the control unit 100 determines that the bankbook 42 is a low coercive force type.

  And in step S414, the automatic transaction apparatus 10 performs the carry over process to the bankbook 42 of a high coercive force type. More specifically, the automatic transaction apparatus 10 holds the bankbook 42 inserted by the customer in the temporary storage unit 156, and feeds the unused high coercive force type bankbook 42 from the bankbook cassette 148 by the medium feeding unit 104. Next, in step S416, the printing unit 124 prints the issuance information and transaction contents on the unused high coercive force type passbook 42. Next, in step S418, the magnetic stripe processing unit 108 writes the issuance information and transaction contents in the magnetic stripe 46 with a current value suitable for high coercive force. Thereafter, the automatic transaction apparatus 10 returns the passbook 42 inserted by the customer who has been put on hold in the temporary holding unit 156 and newly issues the carried-over high coercive force type passbook 42.

  In addition, in step S414, the automatic transaction apparatus 10 may select whether or not the customer wishes to carry over to the high coercive force type bankbook 42. The automatic transaction apparatus 10 carries over to the high coercive force type bankbook 42 when the customer wishes to carry over, and remains in the low coercive force type bankbook 42 when not desired, and is suitable for the low coercive force. You may perform the magnetic writing process again by an electric current value.

  As described above, the automatic transaction apparatus 10 according to the present embodiment can carry over to the high coercive force type passbook 42 when it is determined that it is a low coercive force type in the retry process. For this reason, the automatic transaction apparatus 10 can contribute to the spread of the high coercive force type bankbook 42.

  The operation process of the automatic transaction apparatus 10 according to the third embodiment has been described above.

<4. Summary>
As described above, the automatic transaction apparatus 10 according to an embodiment of the present invention can make a determination based on the identification mark 44 even if it is difficult to determine only from the magnetic data, so The coercive force of the magnetic stripe 46 can be determined without making an inquiry.

  The preferred embodiments of the present invention have been described in detail above with reference to the accompanying drawings, but the present invention is not limited to such examples. It is obvious that a person having ordinary knowledge in the technical field to which the present invention pertains can come up with various changes or modifications within the scope of the technical idea described in the claims. Of course, it is understood that these also belong to the technical scope of the present invention.

  For example, in the above embodiment, an example in which the present invention is applied to the automatic transaction apparatus 10 has been described as an embodiment of the present invention, but the present invention is not limited to such an example. For example, as an embodiment of the present invention, the present invention may be applied to a medium processing device such as a passbook bookkeeping machine, a passbook issuer, a passbook certificate issuing device, a passbook bookkeeping machine, and a passbook slip printer.

  Further, it is possible to create a computer program for causing hardware such as a CPU, a ROM, and a RAM built in the information processing apparatus to perform the same functions as the components of the automatic transaction apparatus 10 described above. A recording medium recording the computer program is also provided.

DESCRIPTION OF SYMBOLS 10 Automatic transaction apparatus 14 Dedicated network 18 Financial institution host 22 Passbook insertion slot 26 Card insertion slot 30 Coin insertion slot 34 Bill insertion slot 38 Operation display part 42 Passbook 44 Identification mark 46 Magnetic stripe 48 Page mark 50 Cover 54 Back cover 58 Middle sheet DESCRIPTION OF SYMBOLS 100 Control part 104 Medium feeding part 108 Magnetic stripe processing part 112 Medium conveyance part 116 Optical reading part 120 Communication part 124 Printing part 128 Page turning part 132 Medium taking-in part 136 Storage part 140 Taking-in roller 144 Conveying path 148 Passbook cassette 152 Bankbook bundle 156 Temporary holding section 160 Bankbook transaction section 164 Bankbook loading section

Claims (6)

A magnetic reading unit for reading information written on a magnetic material formed on the medium;
An optical reading unit for reading an information code formed on the medium;
A determination unit for determining a coercive force of the magnetic body based on a reading result by the magnetic reading unit and the optical reading unit;
A control unit that controls transaction processing of the medium according to the coercive force determined by the determination unit;
A writing unit that writes write information to the magnetic body at a current value suitable for the coercive force determined by the determination unit based on control by the control unit;
With
The determination unit determines the coercive force of the magnetic body based on the reading result of the optical reading unit when the coercive force of the magnetic body cannot be determined based on the reading result of the magnetic reading unit,
The determination unit determines that the coercive force of the magnetic body is a predetermined coercive force when the reading result by the optical reading unit indicates that the information code is not formed on the medium. . A magnetic reading unit for reading information written on a magnetic material formed on the medium;
An optical reading unit for reading an information code formed on the medium;
A determination unit for determining a coercive force of the magnetic body based on a reading result by the magnetic reading unit and the optical reading unit;
A control unit that controls transaction processing of the medium according to the coercive force determined by the determination unit;
A writing unit that writes write information to the magnetic body at a current value suitable for the coercive force determined by the determination unit based on control by the control unit;
With
The controller controls the writing unit to write the writing information again when an error occurs when the writing unit writes the writing information;
The determination unit determines again the coercive force of the magnetic body based on the reading result by the optical reading unit when writing the writing information again by the writing unit,
The medium processing apparatus , wherein the writing unit writes the write information to the magnetic body with a current value suitable for the coercive force determined again by the determination unit. A magnetic reading unit for reading information written on a magnetic material formed on the medium;
An optical reading unit for reading an information code formed on the medium;
A determination unit for determining a coercive force of the magnetic body based on a reading result by the magnetic reading unit and the optical reading unit;
A control unit that controls transaction processing of the medium according to the coercive force determined by the determination unit;
A writing unit that writes write information to the magnetic body at a current value suitable for the coercive force determined by the determination unit based on control by the control unit;
With
The controller controls the writing unit to write the writing information again when an error occurs when the writing unit writes the writing information;
When the writing unit writes the writing information again by the writing unit, the coercive force of the magnetic body is based on a comparison result between a reading result by the magnetic reading unit and a reading result by the optical reading unit. Again,
The medium processing apparatus , wherein the writing unit writes the write information to the magnetic body with a current value suitable for the coercive force determined again by the determination unit. Wherein, if an error occurs during the writing of the write data by the write unit performs control so as to write the write data again by said writing unit, according to claim 1 Media processing device. When the coercive force determined again by the determination unit is the first coercive force, the control unit forms a magnetic body having a second coercive force that is higher than the first coercive force. The medium processing apparatus according to claim 2 , wherein control is performed to newly issue the recorded medium. The medium is characterized by a passbook, medium processing apparatus according to any one of claims 1-5.

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