JP6353128B1 - Automatic transaction equipment - Google Patents

Abstract

An object of the present invention is to improve security when performing a financial transaction using a card having a magnetic stripe and an IC chip.
An automatic transaction apparatus for performing a financial transaction includes a card / receipt processing unit capable of reading and writing magnetic data on a card and reading IC data, and a stage in which reading of magnetic data on the card is not executed. And each processing unit that executes access to the IC data and executes a financial transaction using the IC data when the IC data is normally read.
[Selection] Figure 2

Description

  The present invention relates to an automatic transaction apparatus that performs financial transactions.

  In an automatic transaction apparatus such as an ATM (Automatic Teller Machine) installed in a financial institution or the like, a user generally uses a bank card when performing a financial transaction.

  The bank card may be an MS (Magnetic Stripe) card or an MS & IC (Integrated Circuit Integrated Circuit) chip mounted card. The MS & IC chip mounting card is a bank card on which a magnetic stripe and an IC chip are mounted.

  In recent years, the mainstream of bank cards has changed from MS cards to cards with MS & IC chips. Here, for the purpose of maintaining compatibility with the processing for the MS card, the ATM device first reads MS data (magnetic data) even in the MS & IC chip mounted card. Thereafter, the ATM device accesses the IC data recorded on the IC chip on the MS & IC chip mounting card.

  As a related technique, for example, a technique for checking the presence or absence of an IC chip mounting flag of a cash card has been proposed (see, for example, Patent Document 1). The IC chip mounting flag is set in the spare field area in the data format in the magnetic stripe attached to the card.

JP 2002-32832 A

  As described above, even for an MS & IC chip mounted card, ATM first reads MS data and performs processing based on the read MS data. In the case of Patent Document 1 described above, the ATM first checks the presence / absence of the magnetic stripe IC chip mounting flag, and then executes business processing.

  MS data may be rewritten with incorrect information. For example, when invalid information indicating that an IC chip is not mounted is written in MS data of an MS & IC card, the IC data stored in the IC chip even though the IC chip is mounted on the card Is not read. For this reason, there is a possibility that a financial transaction based on MS data in which unauthorized information is written is performed.

  As one aspect, an object of the present invention is to improve security when performing a financial transaction in an automatic transaction apparatus using a card having a magnetic stripe and an IC chip.

  In one example, an automatic transaction apparatus that performs financial transactions includes a card handling unit capable of reading and writing magnetic data on a card and reading IC data, and reading the magnetic data on the card in an unexecuted stage. And a processing unit that executes access to the IC data and executes a financial transaction using the IC data when the IC data is normally read.

  According to one aspect, it is possible to improve security when performing a financial transaction of an automatic transaction apparatus using a card having a magnetic stripe and an IC chip.

It is an external view of ATM of this embodiment. It is a figure which shows the hardware structural example of ATM of this embodiment. It is a figure which shows the hardware structural example of a main control part. It is a flowchart (the 1) which shows an example of the flow of a process of a 1st example. It is a flowchart which shows an example of the flow of a 1st detection process. It is a flowchart (the 2) which shows an example of the flow of a process of a 1st example. It is a flowchart (the 3) which shows an example of the flow of a process of a 1st example. It is a flowchart (the 1) which shows an example of the flow of a process of a 2nd example. It is a flowchart (the 2) which shows an example of the flow of a process of a 2nd example. It is a flowchart (the 3) which shows an example of the flow of a process of a 2nd example. It is a flowchart (the 1) which shows an example of the flow of a process of a 3rd example. It is a flowchart (the 2) which shows an example of the flow of a process of a 3rd example. It is a flowchart (the 3) which shows an example of the flow of a process of a 3rd example. It is a flowchart (the 1) which shows an example of the flow of a process of a 4th example. It is a flowchart (the 2) which shows an example of the flow of a process of a 4th example. It is a flowchart (the 3) which shows an example of the flow of a process of a 4th example. It is a flowchart (the 1) which shows an example of the flow of a process of a 5th example. It is a flowchart which shows an example of the flow of a 2nd detection process. It is a flowchart (the 2) which shows an example of the flow of a process of a 5th example. It is a flowchart (the 3) which shows an example of the flow of a process of a 5th example. It is a flowchart (the 1) which shows an example of the flow of a process of a 6th example. It is a flowchart (the 2) which shows an example of the flow of a process of a 6th example. It is a flowchart (the 3) which shows an example of the flow of a process of a 6th example. It is a flowchart (the 1) which shows an example of the flow of a process of a 7th example. It is a flowchart (the 2) which shows an example of the flow of a process of a 7th example. It is a flowchart (the 3) which shows an example of the flow of a process of a 7th example. It is a flowchart (the 1) which shows an example of the flow of a process of an 8th example. It is a flowchart (the 2) which shows an example of the flow of a process of an 8th example. It is a flowchart (the 3) which shows an example of the flow of a process of an 8th example.

<Automatic transaction apparatus of embodiment>
Hereinafter, embodiments will be described with reference to the drawings. The automatic transaction apparatus of the embodiment is assumed to be an ATM (automatic teller machine), but may be applied to various transaction apparatuses other than ATM. The automatic transaction apparatus according to the embodiment is assumed to be an ATM capable of handling an MS card and an MS & IC card.

  The MS card is a card having an MS (magnetic stripe) but not having an IC chip. The MS & IC card is a card having an MS and an IC chip. It is assumed that the MS card and the MS & IC card are cards (bank cards or the like) used when performing a financial transaction with an automatic transaction apparatus.

  In the following embodiment, it is assumed that the card inserted into the automatic transaction apparatus is an MS & IC card. However, the card inserted into the automatic transaction apparatus may be an MS card. For example, an automatic transaction apparatus that does not support reading of an IC chip does not use an MS & IC card. Hereinafter, the MS & IC card may be referred to as a card.

  MS data is recorded in the MS of the card. MS data is an example of magnetic data. IC data is recorded on the IC chip. The automatic transaction apparatus can read and write MS data and read IC data of the IC chip from the inserted card. The automatic transaction apparatus may be configured to be able to write IC data to the IC chip. The automatic transaction apparatus is provided with a card entry / exit, and when a card is inserted into the card entry / exit, a predetermined processing is performed on the inserted card by a card processing unit or the like. When the card is inserted, the automatic transaction apparatus according to the embodiment accesses the IC data of the IC chip before reading the MS data of the card or checking the MS data.

  When the result of the IC data read process is normal, the financial transaction process based on the IC chip IC data read result is performed instead of the financial transaction process based on the MS data read result. The financial transaction process is, for example, a withdrawal process.

  Therefore, since the automatic transaction apparatus first reads the IC data from the IC chip of the card and performs the financial transaction based on the read IC data, even if unauthorized information is recorded in the MS data, it is normal. Financial transactions are conducted.

  When illegal writing is performed to indicate that the IC chip is not mounted on the MS data of the card, the financial transaction based on the illegally written MS data is performed without reading the IC data. Is called.

  The automatic transaction apparatus according to the embodiment reads IC data before MS data, and performs various processes based on the reading result of the IC data. Therefore, it is possible to suppress unauthorized financial transactions and improve security when performing financial transactions using a card having an MS and an IC chip.

  In addition, the automatic transaction apparatus according to the embodiment, when the IC data is normally read from the IC chip of the card, for each financial transaction or when the MS data is abnormal, information based on the read IC data. To the card MS.

  Therefore, even if illegal information is recorded in the card MS, information based on the IC data is overwritten in the card MS, so that the illegal information is lost from the card MS, and normal information Is written in the MS of the card. Therefore, the MS data of the card can be restored to a normal state.

  Also, an abnormality may occur in the MS data of the card. For example, the information of the card MS data may be changed or lost due to external electromagnetic influences. As described above, since the automatic transaction apparatus overwrites information based on normally read IC data on the card MS, the card MS data is restored to a normal state.

  FIG. 1 is an external view when the automatic transaction apparatus according to the present embodiment is applied to an ATM 100. A casing 101 of the ATM 100 is provided with a user operation panel 102, a card entry / exit 103, a passbook entry / exit 104, a bill entry / exit 105, a coin entry / exit 106, and a biometric authentication device 107. The ATM 100 may be provided with other mechanisms, devices, or the like, or some of the above-described units may not be provided.

  FIG. 2 is a diagram illustrating a hardware configuration example of the ATM according to the present embodiment. The ATM 100 includes a main control unit 202, a storage device 203, a user operation display unit 204, a card / receipt processing unit 205, a passbook processing unit 206, a banknote processing unit 207, a coin processing unit 208, a journal processing unit 209, and a biometric authentication process. The unit 210 is provided.

  The main control unit 202 executes various processes in the embodiment. The storage device 203 stores various control programs including a program for controlling the ATM 100 and a data group. Other information may be stored in the storage device 203.

  The user operation display unit 204 cooperates with the main control unit 202 when the main control unit 202 executes the user transaction process, and displays the transaction process to the user and inputs an instruction for the transaction process to the user. For example, the user operation panel 102 of FIG. The user operation panel 102 is, for example, a touch panel display.

  The card / receipt processing unit 205 cooperates with the main control unit 202 when executing the user transaction processing by the main control unit 202, and a card such as a magnetic card such as a user's cash card or sales deposit card or an IC card. Read and write data.

  The card / receipt processing unit 205 is, for example, a card reader / writer device. The card / receipt processing unit 205 is a printing device that performs printing on a receipt in cooperation with the main control unit 202 when the main control unit 202 executes user transaction processing.

  The card / receipt processing unit 205 according to the embodiment reads and writes the MS data of the card, and reads the IC data. The card / receipt processing unit 205 is an example of a card handling unit.

  The passbook processing unit 206 is a printing device that performs printing on the passbook in cooperation with the main control unit 202 when the main control unit 202 executes user transaction processing.

  The banknote processing unit 207 includes a banknote deposit / withdrawal mechanism (not shown), a banknote recognition mechanism, and a banknote storage mechanism. The banknote depositing / withdrawing mechanism is a mechanism for depositing a banknote inserted by a user from a depositing port, or depositing a banknote from a dispensing port to a user. The bill identifying mechanism is a mechanism for identifying the authenticity and denomination of the deposited bill. The bill storage mechanism further includes a bill stacker, a bill cassette, a bill reject cassette, etc. (not shown).

  The banknote stacker is a storage unit fixed to the banknote storage mechanism, and temporarily stores banknotes for deposit and withdrawal. A banknote cassette is a cassette used for replenishing a banknote stacker with a banknote or collect | recovering the banknote of a banknote stacker. The banknote reject cassette stores banknotes that are not suitable for circulation again.

  The coin processing unit 208 includes a coin deposit / withdrawal mechanism (not shown), a coin identification mechanism, and a coin storage mechanism. The coin deposit / withdrawal mechanism is a mechanism for depositing a coin inserted by a user from a deposit port, or for dispensing a coin from the deposit port to a user.

  The coin identifying mechanism is a mechanism for identifying the authenticity and denomination of the deposited coin. The coin storage mechanism further includes a coin stacker (not shown), a coin cassette, a coin reject cassette, and the like (not particularly shown).

  The coin stacker is a storage unit fixed to the coin storage mechanism, and temporarily stores coins for deposit and withdrawal. A coin cassette is a cassette used for replenishing a coin stacker with coins or collecting coins in a coin stacker. The coin reject cassette stores coins that are not suitable for distribution again.

  The journal processing unit 209 executes journal processing for recording transaction information. The ATM 100 includes a power supply unit (not shown) that converts power supplied by being connected to an external power supply and supplies power to each part of the ATM 100. The biometric authentication processing unit 210 is a processing unit corresponding to the biometric authentication device 107, and performs processing related to predetermined biometric authentication such as fingerprint authentication and palm authentication.

  FIG. 3 is a diagram illustrating an example of a hardware configuration of the main control unit 202 in FIG. As shown in the example of FIG. 3, a CPU (Central Processing Unit) 251, a RAM (Random Access Memory) 252, and a ROM (Read Only Memory) 253 are connected to the bus 250. In addition, a recording medium 254, a communication interface 255, and an input / output interface 256 are connected to the bus 250.

  The CPU 251 is a processor and executes a program expanded in the RAM 252. As a program to be executed, a program for performing the processing of the embodiment may be applied. The ROM 253 is a non-volatile storage device that stores programs developed in the RAM 252.

  The recording medium 254 is, for example, a portable recording medium, and a portable memory (for example, a semiconductor memory), an optical disk (for example, a CD (Compact Disc), a DVD (Digital Versatile Disc (DVD)), or the like is applied. A program for executing the processing of the embodiment may be recorded on the recording medium 254.

  The communication interface 255 is an interface that communicates with the outside, and communicates with the host computer 211, for example. The input / output interface 256 is connected to each unit (such as the card / receipt processing unit 205) in FIG.

  The processing unit 202A performs various processes related to financial transactions. The overwrite control unit 202B performs control to overwrite information based on the IC data on the MS data of the card. Based on this control, the card / receipt processing unit 205 overwrites the information on the card MS. The processing unit 202A may include the function of the overwrite control unit 202B.

  The functions of the processing unit 202A and the overwrite control unit 202B are realized by the CPU 251 executing the program expanded in the RAM 252.

  The RAM 252, the ROM 253, and the recording medium 254 are all examples of a tangible storage medium that can be read by a computer. These tangible storage media are not temporary media such as signal carriers.

<Flowchart showing an example of the processing flow of the first example>
The processing of the first example will be described with reference to the flowcharts of the examples of FIGS. A user who uses the ATM 100 starts a financial transaction using the ATM 100 using the card.

  The ATM 100 recognizes the start of the financial transaction by detecting that a predetermined operation has been performed. In the flowchart of FIG. 4, the predetermined operation is shown as a first detection process (step S301). The first detection process will be described with reference to the flowchart of FIG.

  In the example of FIG. 5A, the pressing operation of the “payment key” displayed on the user operation panel 102 is detected (step S261). For example, the user presses a “payment key” (withdrawal transaction) according to the content displayed on the user operation panel 102.

  When the pressing operation of the “payment key” is detected, for example, the main control unit 202 causes the user operation panel 102 to display an instruction for prompting insertion of a card. The user inserts a card according to the display content of the user operation panel 102.

  The card / receipt processing unit 205 detects that a card has been inserted (step S262). When detecting that the card has been inserted, the card / receipt processing unit 205 reads MS data (MS magnetism) recorded in the MS of the inserted card (step S263). The read MS data information is stored in, for example, the storage device 203 or the RAM 252. The storage device 203 or the RAM 252 is an example of a storage unit.

  In the example of FIG. 5B, insertion of a card is detected (step S271), MS data is read (step S272), and the “payment key” displayed on the user operation display unit 204 is pressed. Is detected (step S271).

  FIG. 5A and FIG. 5B differ only in the processing order, and the contents of each processing are the same. The first detection process may be performed in the order shown in FIG. 5A or in the order shown in FIG.

  As described above, MS data is read in step S263 or step S272, and information of the read MS data is stored in the storage device 203 or the RAM 252.

  However, the read MS data is not used or referenced before the IC data recorded on the IC chip of the card is read. In the embodiment, when a card having an MS and an IC chip is inserted, the ATM 100 first reads the IC data of the IC chip and confirms the read result of the IC data, and then, if necessary, the MS data Confirm the reading result of.

  Reading a card inserted into the card / receipt processing unit 205 is not always successful once. Therefore, the card / receipt processing unit 205 may repeat the process of step S263 or step S272 a predetermined number of times until the MS data is successfully read. The predetermined number of times is preferably provided with a predetermined upper limit. This is because when the number of times of MS reading increases, the operation waiting time becomes longer and the degree of deterioration of the MS progresses.

  As shown in the example of FIG. 4, after the first detection process in step S301, the processing unit 202A reads the IC data from the IC chip of the card (access) to the card / receipt processing unit 205. Is executed (step S302). In the step S302, the MS data is not used (or referred to).

  The processing unit 202A determines whether the reading result of the IC chip in the card / receipt processing unit 205 is normal or abnormal (step S303).

  The processing unit 202A may determine that the reading result of the IC chip is abnormal when the IC chip of the card cannot be detected. Even if the IC data is read from the IC chip, the processing unit 202A may determine that the reading result of the IC chip is abnormal when the IC data indicates abnormal information. . When the read IC data indicates abnormal information, the processing unit 202A may control to return the card and terminate the transaction.

  If the reading result of the IC chip in the card / receipt processing unit 205 is normal, the processing unit 202A continues processing with the IC data read from the IC chip (step S311).

  A series of processing subsequent to steps S302, S303, and S311 is processing based on the reading result of the IC data, not the reading result of the MS data. When the IC data of the IC chip can be used, the ATM 100 can continue the financial transaction without using the MS data of the card.

  Therefore, even if invalid information is recorded in the MS, the IC data of the IC chip is used before the MS data. When the IC data is normally read, the financial transaction based on the IC data is performed without using the MS data information.

  Further, even if illegal information indicating that there is no IC chip is recorded in the card MS, the IC data is used earlier than the MS data. For this reason, even if unauthorized information is written in the card MS, a normal financial transaction based on the IC data is performed. Therefore, security can be improved.

  On the other hand, as described above, when the IC chip is not detected, the reading result of the IC chip is determined to be abnormal. When the reading result of the IC chip in the card / receipt processing unit 205 is abnormal, the processing unit 202A executes a series of processes from step S306 to S310 in FIG.

  A series of processing from step S306 to S310 is processing based on the reading result of MS data. For example, it is assumed that the specification of a series of processing (processing based on the reading result of MS data) from step S306 to S310 is applied as common specifications of ATM financial transaction processing of each financial institution.

  The ATM 100 according to the embodiment executes either the above-described processing based on the IC data reading result or the processing based on the MS data reading result based on the reading result of the IC chip of the card.

  Therefore, in the ATM 100, “processing based on the reading result of MS data” and “processing based on the reading result of IC data” which are common specifications of each financial institution can be made compatible.

  The processing unit 202A refers to the storage device 203, the RAM 252 and the like to determine whether the result of reading the MS data by the card / receipt processing unit 205 is normal or abnormal in the first detection process (step S306). . As described above, in the first detection process in step S301, the MS data is stored in the storage device 203, the RAM 252 and the like. Note that the MS data read result is abnormal, including, for example, data consistency check such as BCC, and the case where information such as an IC mounting flag in MS data (even if read) is not detected, etc. . If information such as an IC mounting flag in MS data (even if it can be read) is not detected, the MS data may be read a predetermined number of times.

  The processing unit 202A refers to the MS data information stored in the storage device 203, the RAM 252 and the like, and performs the determination in step S306. Therefore, if the MS data is normally read in the first detection process, the MS data is not read again at step S306. For this reason, time for reading MS data is saved.

  If the read result of the MS data is normal, the processing unit 202A determines whether reverse insertion of the card is detected by the card / receipt processing unit 205 (step S307). This is because if the card is inserted in the direction opposite to the normal direction, the card cannot be read normally.

  When the card / receipt processing unit 205 detects normal insertion rather than reverse card insertion, the processing unit 202A indicates in the MS data whether or not an IC chip is mounted on the inserted card. It is determined whether or not there is (step S308).

  If the IC information is not in the card, the processing unit 202A continues processing with the MS data read from the MS (step S310). As a result, financial transactions can be normally executed even in an old-type card not equipped with an IC chip. After step S310, the process proceeds to step S315.

  On the other hand, when the IC information is on the card, the processing unit 202A causes the card / receipt processing unit 205 to re-read the IC chip mounted on the card. Based on the control from the processing unit 202A, the card / receipt processing unit 205 rereads the IC chip (step S308-1). IC chip re-reading is not always successful at one time, as is MS data reading. Therefore, the card / receipt processing unit 205 may repeat the reading of the IC chip a predetermined number of times until the reading of the IC data from the IC chip is successful.

  The processing unit 202A determines whether the reading result of the IC chip executed together with the reading of the MS by the card / receipt processing unit 205 is normal or abnormal (step S309). If the determination result is abnormal, it may be repeated a predetermined number of times after reading the IC data from the IC chip. Further, the abnormality of the reading result is not particularly limited as in the case of the abnormality of the MS data.

  If the re-read result of the IC chip by the card / receipt processing unit 205 is normal, the processing unit 202A continues processing of the financial transaction based on the IC data read from the IC chip. Therefore, the process proceeds from step S309 to S311.

  As described above, in the process of step S303, the processing unit 202A determines whether the reading result of the IC chip is normal or abnormal. For example, when the card / receipt processing unit 205 cannot detect the IC chip, it is determined that the reading result of the IC chip is abnormal.

  On the other hand, when information indicating that there is IC information is recorded in the MS data of the card, the IC chip is mounted on the card. Therefore, if it is determined in step S308 that there is IC information in the MS, the IC chip of the card is re-read.

  If it is determined in step S309 that the re-read result of the IC chip is normal, the financial transaction processing based on the IC data is continued. Therefore, in financial transactions, priority is given to the IC data recorded in the IC chip rather than the MS data recorded in the MS, thereby improving security.

  If it is determined in step S306 that the MS data read result is abnormal, if it is determined in step S307 that the card is reversely inserted, or if it is determined in step S309 that the IC chip reread result is above. If YES, the process proceeds to step S312.

  The processing unit 202A causes the card / receipt processing unit 205 to return the card, and causes the user operation display unit 204 to display a message prompting the customer to go to the window because the inserted card is abnormal (step). S312).

  Therefore, if the IC data on the IC chip can be used while maintaining compatibility between the MS card and the MS & IC card, the financial transaction is performed using the IC data before using the MS data. Is improved.

  From the continuation process using the IC data in step S311 in FIG. 4, the process in step S313 in FIG. 6 is executed. Further, the process of step S315 in FIG. 6 is executed from the continuation process using the MS data in step S310.

  As illustrated in the example of FIG. 6, when the processing unit 202A executes the continuation process using the IC data in step S311, if the vein data for biometric authentication is registered in the IC data, Biometric authentication is performed by the biometric authentication device 107 (step S313).

  The user holds the palm or finger registered in the biometric authentication device 107 in accordance with the guidance display displayed on the user operation display unit 204. Thereby, biometric authentication is implemented.

  Next, the processing unit 202A confirms whether communication with the all silver AP (application) stored in the IC chip is possible (step S314).

  On the other hand, when the processing unit 202A executes the continuation process using the MS data in step S310, the process of steps S313 and S314 described above is skipped.

  Next, the processing unit 202A waits for an input of a personal identification number from the user (step S315). The user inputs the password from the user operation display unit 204. The ATM 100 accepts the input of the password. In addition, when the biometric authentication in step S313 is successful, the process in step S315 may be skipped.

  When the financial transaction is a withdrawal transaction, the processing unit 202A accepts an input / confirmation operation of the withdrawal amount from the user operation display unit 204 by the user (step S316). Hereinafter, the financial transaction is described as being a withdrawal transaction, but the financial transaction may be other than the withdrawal transaction.

  The processing unit 202A requests authentication information for communicating with the host computer 201 from the IC chip on the card only when the processing proceeds from step S311 in FIG. 4, and determines whether or not the request result is normal. (Step S317).

  If the request result is abnormal, the processing unit 202A causes the card / receipt processing unit 205 to return the inserted card and causes the user operation display unit 204 to display an abnormal end (step S323). ). Then, the financial transaction ends.

  The processing unit 202A transmits a payment request message based on the IC data to the host computer 201 when the request result is normal after moving from step S311 in FIG. 4 (step S318). In other words, when the process has shifted from step S311 to step S318 in FIG. 4, the processing unit 202A executes a financial transaction using the IC data.

  Also, the processing unit 202A transmits a payment request message based on the MS data to the host computer 201 even when the processing proceeds from step S310 to step S318 in FIG. 4 (step S318). If the process has shifted from step S311 in FIG. 4, the electronic message includes the authentication information acquired in step S317.

  As a result, the host computer 201 performs user authentication based on the authentication information (when transferred from step S311 in FIG. 4) or the password (when transferred from step S310 in FIG. 4).

  In the case of authentication OK, the host computer 201 transmits a payment permission message to the ATM 100. As a result, the processing unit 202A of the ATM 100 receives the payment permission from the host computer 201 (step S319).

  Only when the processing unit 202A shifts from step S311 of FIG. 4, the payment permission information is notified to the IC chip via the card / receipt processing unit 205, and the processing result is acquired (step S320). If the processing result is abnormal, the processing unit 202A pauses the ATM 100 device (step S324). Then, the financial transaction ends.

  When the processing unit 202A has shifted from step S311 in FIG. 4 and the processing result is normal, or has shifted from step S310 in FIG. 4, the processing unit 202A performs the bill processing unit 207 and the coin processing unit 208. The payment cash is counted (step S321).

  Further, the processing unit 202A causes the card / receipt processing unit 205 to execute the payment processing for the payment amount on the receipt, and when the passbook is inserted, the processing unit 202A causes the passbook processing unit 206 to pay the payment amount to the passbook. The balance printing process is executed (step S322). The processing unit 202A may cause the journal processing unit 209 to execute journal processing.

  As described above, after the financial transaction process by the series of steps in FIG. 6 is completed, the processing unit 202A executes the processes after step S325. With reference to FIG. 7, the process after step S325 is demonstrated.

  Each process in FIG. 7 is a process that is mainly executed when the process proceeds from step S311 in FIG. That is, each process of FIG. 7 is a process based on the IC data read from the IC chip. When the process proceeds from step 310, the IC data is not read from the IC chip. Accordingly, in the following processing, the processing unit 202A has already read IC data from the IC chip of the card.

  Based on the IC data read from the IC chip, the processing unit 202A determines whether or not the card inserted in the card / receipt processing unit 205 is a bank card (own IC card) (step S325). .

  For example, the IC data includes a code for identifying a financial institution (financial institution code). Based on the financial institution code, the processing unit 202A determines whether the inserted card is a card of a financial institution (own bank) to which the ATM 100 belongs or a card of another financial institution (other bank) other than the bank. You may judge.

  When the processing unit 202A determines that the inserted card is a bank card (YES in step S325), the processing unit 202A determines that the inserted card is a credit card integrated card based on the IC data. It is determined whether or not (step S326).

  The credit card integrated card is a bank card including a credit card function. For example, the IC data includes information for identifying whether or not the card is a credit card integrated card. The processing unit 202A may perform the determination in step S326 based on the information.

  If it is determined that the card is not a credit card integrated card (NO in step S326), the overwrite control unit 202B executes a process of generating MS data from the IC data read from the IC chip (step S326). S327).

  The overwrite control unit 202B controls the card / receipt processing unit 205 to overwrite the MS data generated in step S327 on the MS of the inserted card. Based on this control, the card / receipt processing unit 205 overwrites the information of the IC data on the MS of the inserted card (step S328).

  The overwrite control unit 202B may perform control to communicate with the host computer 211 based on information read from the IC data and acquire information to overwrite the MS from the host computer 211.

  In the above case, the overwrite control unit 202B performs control to overwrite the information acquired from the host computer 211 on the MS of the inserted card. Based on this control, the card / receipt processing unit 205 overwrites the information acquired from the host computer 211 on the inserted MS.

  The overwrite control unit 202B overwrites the information of the IC data (or information acquired from the host computer 211) on the MS of the inserted card every time a financial transaction is performed.

  Therefore, even if invalid information is recorded in the card MS, the normally read IC data information is overwritten in the card MS for each financial transaction. For this reason, the illegal information recorded in the card MS is lost, and normal information is recorded in the card MS.

  Therefore, when performing the next financial transaction using the card, since the normal information is overwritten on the MS of the card, the financial transaction based on unauthorized information using ATM is suppressed. For example, some ATMs do not support reading IC chips.

  As described above, even if unauthorized information is recorded in the MS of the card, the unauthorized information is overwritten with normal information. Therefore, even if a financial transaction using the card is performed with an ATM that does not support IC chips, since normal information is recorded in the MS, financial transactions based on illegal information are suppressed.

  The processing unit 202A determines whether the result of the writing process to the MS in step S328 is normal or abnormal (step S329). For example, the processing unit 202A controls the card / receipt processing unit 205 to read the MS data again from the MS of the inserted card. Based on the control, the card / receipt processing unit 205 reads the MS data again from the MS of the inserted card.

  Then, the processing unit 202A may perform the determination in step S329 again based on whether or not the read MS data is normal.

  If the result of the MS writing process is normal, the processing unit 202A causes the card / receipt processing unit 205 to return the inserted card (step S330).

  If the processing unit 202A determines in step S325 that the inserted card is not a self-run IC card (NO in step S325), the process proceeds to step S330. If the processing unit 202A determines in step S326 that the inserted card is a credit-integrated card (YES in step S326), the process proceeds to step S330.

  If it is determined in step S329 that the result of the MS writing process is abnormal, the processing unit 202A causes the card / receipt processing unit 205 to return the inserted card.

  Then, the processing unit 202A displays on the user operation display unit 204 that the financial transaction based on the inserted card has been completed normally, but the MS data on the card is abnormal, so that the user is prompted to go to the counter ( Step S331).

  When the financial transaction is a withdrawal transaction, the processing unit 202A releases cash from the banknote processing unit 207 and the coin processing unit 208 to the banknote entrance 105 or the coin entrance 106 (step S332), and ends the withdrawal transaction. One financial transaction is performed by the processing from the above steps S301 to S332.

  Therefore, when performing a financial transaction using a card having an MS and an IC chip, the IC data is used before the MS data of the card is used (when it is unconfirmed whether the MS data is normal or abnormal). Is successfully read. Then, when the IC data is normally read, a financial transaction using the IC data is performed.

  Even if illegal information indicating that there is no IC chip is recorded in the MS data of the card, the processing unit 202A accesses the IC data of the IC chip prior to the MS data, and based on the IC data , Do financial transactions. Therefore, the security in the financial transaction of ATM using the card | curd which has MS and IC chip improves.

  Further, the overwrite control unit 202B performs control to overwrite information based on the normally read IC data on the card MS for each financial transaction. Therefore, even if invalid information indicating that there is no IC chip is recorded in the card MS, the card MS can be restored to normal information.

  Even if the MS data is broken and normal writing is not possible, the user can complete the financial transaction as usual and go to the bank counter to renew the card when there is time. Therefore, user convenience is not impaired.

<Second example>
Next, a second example will be described with reference to the flowcharts of FIGS. The second example is different from the first example in that step S304 is added as processing subsequent to step S303 of the first example.

  As shown in the example of FIG. 8, in step S303, the processing unit 202A determines whether the reading result of the IC chip is normal or abnormal. When it is determined that the reading result of the IC chip is normal, the processing unit 202A determines whether the inserted card is a card of the own bank or a card of another bank (step S304).

  In the second example, when it is determined in step S303 that the reading result of the IC chip is normal, and the card inserted in step S304 is determined to be a card of the own bank, the processing is performed in step S311 “ Proceed to “Continue processing with IC data”.

  As described above, a series of processing following steps S302, S303, and S111 is processing based on the reading result of the IC data. On the other hand, a series of processing from step S306 to S310 is processing based on the reading result of MS data.

  When “processing based on MS data reading result” is a common specification of each financial institution, based on the determination result of step S303, “processing based on IC data reading result” or “processing based on MS data reading result” ”.

  Therefore, in the ATM 100, “processing based on the reading result of MS data” and “processing based on the reading result of IC data” which are common specifications of each financial institution can be made compatible.

  At this time, depending on the financial institution, when the card inserted into the ATM 100 is an other bank card, the ATM 100 may execute “processing based on the read result of MS data” which is a common specification of each financial institution. It may be preferable.

  Therefore, when it is determined in step S304 that the inserted card is a card of another bank, the processing unit 202A causes the “process based on the read result of the MS data” to be executed.

  Therefore, it is possible to determine which of the “processing based on the MS data reading result” and the “processing based on the IC data reading result” is to be executed by the ATM 100 based on whether or not the card is a bank of the bank. , The flexible operation of the ATM system can be realized.

  If it is determined in step S309 that the re-read result of the IC chip is normal, the process proceeds to step S311. Therefore, for example, even when a card of another bank on which an IC chip is mounted is inserted, priority is given to financial transactions using IC data of the IC chip over MS data recorded in the MS. it can.

  When the process of step S310 is performed, the process proceeds to step S315 of FIG. When the process of step S311 is performed, the process proceeds to step S313 in FIG. Each process of the flowchart of FIG. 9 is the same as each process of the flowchart of FIG. 6 in the first example.

  When the process of step S322 in FIG. 9 ends, the process proceeds to step S325 in FIG. Each process of the flowchart of FIG. 10 is the same as each process of the flowchart of FIG. 7 in the first example.

<Third example>
A third example will be described with reference to the flowcharts of FIGS. The third example is different from the second example in that the process of step S325-1 is added after the process of step S325 of FIG. 7 in the first example.

  Each process of the flowchart of FIG. 11 is the same as each process of the flowchart of FIG. 8 in the second example. If the process of step S310 is performed, the process proceeds to step S315 of FIG. When the process of step S311 is performed, the process proceeds to step S313 in FIG. Each process of the flowchart of FIG. 12 is the same as each process of the flowchart of FIG. 6 in the first example.

  In the example of FIG. 13, when the determination result of step S325 is YES, the processing unit 202A reads the MS of the inserted card and determines whether the reading result is normal or abnormal (step S325). 1). For example, when the MS of the inserted card is damaged, the processing unit 202A may determine that the reading result is abnormal.

  In addition, in step S303 in FIG. 11, information indicating that there is no IC chip is recorded in the MS of the card in step S325-1, even though it is determined that the reading result of the IC chip is normal. There may be. In this case, there is a possibility that invalid information is recorded in the MS of the card, and the processing unit 202A may determine that the reading result is abnormal. The MS data of the card may be determined from the data detected in the first detection process (step 301), or may be determined after reading the card MS immediately before the determination. Further, in the case of an abnormality, the reading and determination may be repeated a predetermined number of times.

  If the determination in step S326 is NO, the card MS data is overwritten in step S328. Therefore, as described above, even when invalid information is recorded in the card MS, the information of the IC data read normally is overwritten in the card MS. Accordingly, unauthorized information is lost from the card MS and normal information is overwritten on the card MS, so that security when performing a financial transaction using the card is improved.

  In the third example, when the read result of the MS of the inserted card is normal, the MS of the card is not overwritten. Therefore, when there is no need for overwriting, the card MS is not overwritten, so the number of times of writing to the card MS can be reduced. Accordingly, the progress of the degree of deterioration of the card MS can be delayed.

<Fourth example>
A fourth example will be described with reference to the flowcharts of FIGS. Each process of the flowchart of FIG. 14 in the fourth example is the same as the flowchart of FIG. 4 in the first example.

  If the process of step S310 is performed, the process proceeds to step S315 of FIG. When the process of step S311 is performed, the process proceeds to step S313 in FIG. Each process of the flowchart of FIG. 15 is the same as each process of the flowchart of FIG. 6 in the first example. Each process of the flowchart of FIG. 16 in the fourth example is the same as each process of the flowchart of FIG. 13 in the third example.

The first to fourth examples described above are reference examples for explaining the fifth to eighth examples.
<Fifth example>
A fifth example will be described with reference to the flowcharts of FIGS. As shown in the flowchart of FIG. 17, in the fifth example, the second detection process is performed (S301-1). The second detection process will be described with reference to the flowchart of FIG.

  In the example of FIG. 18A, a pressing operation of the “payment key” displayed on the user operation display unit 204 is detected (step S261), and insertion of a card is detected (step S262). In the example of FIG. 18B, insertion of a card is detected (step S271), and pressing of the “payment key” is detected (step S272).

  When one of the processes of FIG. 18A or FIG. 18B is performed, it is detected that a financial transaction has been started (second detection process). Unlike the first detection process (FIG. 5) described in the first example, the card MS is not read in the second detection process.

  As shown in the flowchart of FIG. 17, after the second detection process is performed, the IC data of the IC chip is read (step S302). Therefore, the IC data is read when the MS data of the card has not been read.

  If it is determined in step S303 that the reading result of the IC chip is abnormal, the card / receipt processing unit 205 reads the MS data of the card (step S305). On the other hand, if it is determined in step S303 that the reading of the IC chip is normal, the process of step S305 is not executed.

  In the first to fourth examples, in the first detection process, the MS data of the card is not used before the access to the IC data, but the MS data is read. On the other hand, in the fifth example, when it is determined in step S303 that the reading result of the IC chip is normal, the MS data of the card is not read.

  As described above, the series of processing from step S306 to S310 is processing based on the reading result of the MS data, for example, processing according to a predetermined specification. On the other hand, a series of processes subsequent to S302, S303, and S311 are processes based on the reading result of the IC data. If the MS data read result in step S306 is abnormal, the MS data read from the card in step S305 may be repeated a predetermined number of times.

  The processing unit 202A controls to read MS data when performing processing based on the reading result of MS data, and does not read MS data when performing processing based on the reading result of IC data. To control.

  As a result, even if unauthorized information is recorded in the card MS, if processing based on the read result of the IC data is performed, the ATM 100 completes the financial transaction without reading the unauthorized information. be able to.

  Each process other than the process described above in the flowchart of FIG. 17 is the same as each process of the flowchart of FIG. 4 in the first example. After the process of step S303, it is not determined whether the inserted card is the own card or the other card.

  If the process of step S310 is performed, the process proceeds to step S315 of FIG. When the process of step S311 is performed, the process proceeds to step S313 in FIG. Each process of the flowchart of FIG. 19 is the same as each process of the flowchart of FIG. 6 in the first example. Each process of the flowchart of FIG. 20 is the same as each process of the flowchart of FIG. 7 in the first example.

<Sixth example>
A sixth example will be described with reference to the flowcharts of FIGS. As shown in the example of FIG. 21, the sixth example is an example in which step S304 is added to the fifth example. Step S304 is the same as step S304 in the second example.

  After the determination in step S303 is made, in step S304, it is determined whether the inserted card is a bank card of the own bank or a card of another bank.

  In the sixth example, if it is determined in step S304 that the inserted card is a card of another line, the process proceeds to step S305. In this case, MS data is read in step S305.

  If it is determined in step S303 that the reading result of the IC chip is normal, and it is determined in step S304 that the inserted card is the card of the own bank, the MS data is not read.

  If the process of step S310 is performed, the process proceeds to step S315 of FIG. When the process of step S311 is performed, the process proceeds to step S313 in FIG. Each process of the flowchart of FIG. 22 is the same as each process of the flowchart of FIG. 6 in the first example. Each process of the flowchart of FIG. 23 is the same as each process of the flowchart of FIG. 7 in the first example.

<Seventh example>
A seventh example will be described with reference to the flowcharts of FIGS. Each process of the flowchart of FIG. 24 in the seventh example is the same as each process of the flowchart of FIG. 17 in the fifth example.

  If the process of step S310 is performed, the process proceeds to step S315 of FIG. If the process of step S311 has been performed, the process proceeds to step S313 of FIG. Each process of the flowchart of FIG. 25 is the same as each process of the flowchart of FIG. 6 in the first example.

  In the flowchart of FIG. 26, after step S325, it is determined in step S325-1 whether the MS reading result is normal or abnormal. The flowchart of FIG. 26 is the same as the flowchart of FIG. 13 in the third example.

<Eighth example>
The eighth example will be described with reference to the flowcharts of FIGS. Each process of the flowchart of FIG. 27 in the eighth example is the same as each process of the flowchart of FIG. 21 in the sixth example.

  If the process of step S310 is performed, the process proceeds to step S315 of FIG. If the process of step S311 has been performed, the process proceeds to step S313 in FIG. Each process of the flowchart of FIG. 28 is the same as each process of the flowchart of FIG.

  In the flowchart of FIG. 29, after step S325, it is determined in step S325-1 whether the MS reading result is normal or abnormal. The flowchart of FIG. 29 is the same as the flowchart of FIG. 13 in the third example.

100 ATM
DESCRIPTION OF SYMBOLS 101 ATM housing | casing 102 User operation panel 103 Card entrance / exit 104 Passbook entrance / exit 105 Banknote entrance / exit 106 Coin entrance / exit 107 Biometric authentication apparatus 202 Main control part 202A Processing part 202B Overwrite control part 203 Storage apparatus 204 User operation display part 205 Card / receipt process Unit 206 Passbook processing unit 207 Banknote processing unit 208 Coin processing unit 209 Journal processing unit 210 Biometric authentication processing unit 211 Host computer 250 Bus 251 CPU
252 RAM
253 ROM
254 Recording medium 255 Communication interface 256 Input / output interface

Claims (6)

An automatic transaction apparatus for performing financial transactions,
A card handling unit capable of reading and writing card magnetic data and reading IC data;
In a stage where reading of the magnetic data of the card has not been executed, access to the IC data is executed, and when the IC data is normally read, a processing unit that executes a financial transaction using the IC data;
An automatic transaction apparatus comprising: An automatic transaction apparatus for performing financial transactions,
A card handling unit capable of reading and writing card magnetic data and reading IC data;
When the reading of the magnetic data of the card is not executed, the access to the IC data is executed, and the IC data can be read normally, and the IC data A processing unit for executing a financial transaction using
An automatic transaction apparatus comprising: An automatic transaction apparatus for performing financial transactions,
A card handling unit capable of reading and writing card magnetic data and reading IC data;
When the reading of the magnetic data of the card is not yet executed, the access to the IC data is executed, and the IC data is normally read, and the card is a card of another row, the magnetic A processing unit that executes a financial transaction based on the data read result;
An automatic transaction apparatus comprising: An automatic transaction apparatus for performing financial transactions,
A card handling unit capable of reading and writing card magnetic data and reading IC data;
When reading of the magnetic data of the card is not yet executed, access to the IC data is executed, and when the IC data is read normally, a financial transaction using the IC data is executed and read normally. A processing unit that performs control to overwrite information based on the IC data on the magnetic data;
An automatic transaction apparatus comprising: An automatic transaction apparatus for performing financial transactions,
A card handling unit capable of reading and writing card magnetic data and reading IC data;
When the reading of the magnetic data of the card is not executed, the access to the IC data is executed, and the IC data can be read normally, and the IC data A processing unit that executes a financial transaction using the information and performs control to overwrite information based on the normally read IC data on the magnetic data;
An automatic transaction apparatus comprising: An automatic transaction apparatus for performing financial transactions,
A card handling unit capable of reading and writing card magnetic data and reading IC data;
When the reading of the magnetic data of the card is not yet executed, the access to the IC data is executed, and the IC data is normally read, and the card is a card of another row, the magnetic A processing unit that executes a financial transaction based on a data read result, and returns the card without overwriting the magnetic data with information based on the normally read IC data;
An automatic transaction apparatus comprising:

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