JP6478791B2 - Automatic transaction equipment - Google Patents

Description

  The present invention relates to an automated teller machine that can use a cash card with a magnetic stripe.

  Conventionally, according to the JIS standard, for cards, type 1 (hereinafter referred to as JIS 1) conforming to ISO (International Organization for Standardization) specifications, and type 2 (hereinafter referred to as JIS 2) conventionally used as a unified specification among banks. And is specified. In JIS 1 above, the magnetic stripe is provided on the back of the card, and in JIS 2 it is provided on the front of the card. Therefore, even if the domestic issue card is a credit card or cash card with JIS1 stripe (back side) that can be used overseas, when using an automatic transaction apparatus in Japan, trade using JIS2 stripe (front side) . On the other hand, when using an automatic transaction apparatus overseas, trade is performed using JIS1 stripe (back side).

  Japanese Patent Application Laid-Open No. 11-134416 (Patent Document 1) describes an international cash card common to domestic and foreign countries where the card surface magnetic tape is a bank account number of the domestic standard and the card back surface magnetic tape is a card member number of the international standard. It is done.

Japanese Patent Application Laid-Open No. 11-134416

  However, even if a credit card or cash card with a JIS 1 card (back side stripe) that can be used overseas with a domestic issue JIS 2 card (front side stripe) is used domestically, transactions are made using the JIS 2 stripe (front side) There was a problem that the JIS 1 stripe (rear surface) was not noticed to be damaged. Then, when trying to use a credit card or cash card with a JIS1 card (back side stripe) that can be used overseas at an ATM (automatic transaction apparatus) overseas, damage to the JIS1 stripe may result in cases where it can not be traded overseas. There was a problem of causing a claim.

  The problem to be solved by the present invention is to confirm the damage status of the JIS 1 stripe (back side) and to prompt the customer to update the card, so that it can not be understood that it can not be used for the first time trying to use abroad. It is possible to do so.

  In order to solve the above-mentioned problems, an automatic transaction apparatus according to the present invention can accept a transaction medium provided with a plurality of magnetic stripes, and carry out a transaction based on information stored in one of the magnetic stripes in the transaction medium. In the device, a medium insertion and discharge port for inserting and discharging the transaction medium, magnetic reading means provided corresponding to the plurality of magnetic stripes and reading information stored in the magnetic stripes, and information for outputting information about the transaction When the information can not be read from the output unit and the one magnetic stripe, the transaction is interrupted, and when the information can not be read from the other magnetic stripe, the transaction is continued, and the other information output unit is sent to the information output unit. It is characterized by having a control part which controls to output that information from a magnetic stripe could not be read.

  According to the present invention having the above configuration, the transaction is interrupted when the information can not be read from one magnetic stripe, and the transaction is continued when the information can not be read from the other magnetic stripe, and the information output unit Control was performed to output that information from other than one magnetic stripe could not be read. As a result, for customers using credit cards and cash cards with JIS 1 stripes that can be used overseas with domestically issued JIS 2 cards, when conducting transactions using automated teller machines in Japan, use automated teller machines overseas. It is possible to show the possibility of not being able to trade. As a result, it is possible to encourage card renewal, and it is possible to prevent in advance the situation where cards can not be used abroad, and to obtain the effect of increasing the convenience of the customer.

It is a block diagram which shows the structure of the automatic transaction apparatus regarding 1st Embodiment. It is an outline view of an automatic transaction device concerning a 1st embodiment. It is an outline view of a cash card concerning a 1st embodiment. It is a flowchart which shows operation | movement of the automatic transaction apparatus regarding 1st Embodiment. It is a flowchart which shows operation | movement of the automatic transaction apparatus regarding 1st Embodiment. It is explanatory drawing which shows the JIS1 error confirmation screen regarding 1st Embodiment. It is explanatory drawing which shows the example of a printing of the statement slip regarding the modification 1 of 1st Embodiment. It is explanatory drawing which shows the JIS1 error confirmation screen regarding the modification 2 of 1st Embodiment. It is an outline view of a cash card concerning modification 3 of a 1st embodiment.

First Embodiment
Hereinafter, a first embodiment of the present invention will be described. FIG. 2 is an external view of the automatic transaction apparatus according to the first embodiment. The automatic transaction apparatus 100 is installed in a financial institution or the like, enables cash deposit / withdrawal transactions, transfer transactions, bookkeeping transactions of passbook, etc. by the operation of the customer, and discharges various media along with the transactions. The automated teller machine 100 operated by the customer is provided with a card insertion outlet 1, a passbook insertion outlet 2, a bill depositing / dispensing port 3, a coin depositing / dispensing port 4, a touch panel 5, and a proximity sensor 6.

  The card insertion discharge port 1 as a medium insertion discharge port is a transaction card issued by a financial institution as a transaction medium on which customer information such as a financial institution code, a customer account number, a customer name and the like is stored. A credit card (hereinafter referred to as a cash card) can be inserted.

  Further, the card insertion and discharge port 1 discharges a cash card and discharges a statement slip on which transaction details are recorded. The statement slip may be discharged from a statement slip discharge port (not shown) independent of the card insertion and discharge port 1. A passbook can be inserted into the passbook insertion and ejection port 2, and a passbook entry is performed to discharge the registered passbook.

  The cash card 30 is provided with a plurality of magnetic stripes as described later with reference to FIG. That is, the JIS 1 / ISO side stripe is provided on the back surface of the cash card 30, and the JIS 2 side stripe is provided on the front surface. The automated teller machine 100 conducts a transaction based on the magnetic information stored in the JIS 2 side stripe provided on the surface of the cash card 30.

  The bill receiving / dispensing port 3 receives bills inserted by a customer, and can receive bills discharged (discharged) to the customer. The coin receiving / dispensing port 4 receives coins inserted by the customer, and can receive coins discharged from the customer. The touch panel 5 as an operation display means functions as an information input unit for inputting information such as a personal identification number necessary for a transaction by a customer, a withdrawal amount or a deposit amount, and displays guidance for operation guidance to the customer It functions as an information output unit that outputs information on transactions.

  In particular, in the present embodiment, when the magnetic stripe on the back surface of the cash card 30 inserted by the customer can not be read as described later, the touch panel 5 indicates that the magnetic stripe can not be read. The proximity sensor 6 is provided on the front of the automated teller machine 100 and detects that the customer approaches the automated teller machine 100 to start a transaction.

  FIG. 1 is a block diagram showing the configuration of an automatic transaction apparatus according to the first embodiment. The common control unit 10 of the automatic transaction apparatus 100 is connected to each unit of the automatic transaction apparatus 100 to control each unit. The common control unit 10 is connected to a device storage unit 23 configured of a RAM, a ROM, a hard disk or the like, and operates according to a control program stored in the device storage unit 23. The common control unit 10 can write various data in the device storage unit 23 and can read it out of the device storage unit 23 as needed. The common control unit 10 is also connected to the host computer 200 via the interface unit 9 and exchanges information related to deposit and withdrawal transactions and the like stored in the database 201.

  The customer operation screen display unit 14 as an information output unit displays on the touch panel 5 information on a transaction such as a guidance for guiding an operation to a customer or a result of a transaction. In addition, the customer operation key input unit 15 receives an input of information such as a personal identification number necessary for a transaction by the customer, a payment amount, or a payment amount to the touch panel 5.

  The cash processing unit 16 discriminates the authenticity of the deposited banknotes or deposited coins inserted from the banknote depositing / dispensing port 3 or the coin depositing / dispensing port 4 by the customer, counts, transports and stores them in a denomination storage (not shown). Further, the withdrawal banknotes or coins to be paid to the customer are fed out from a predetermined denomination storage, and are accumulated in the banknote deposit / withdrawal port 3 or the coin deposit / withdrawal port 4.

  The statement slip processing unit 17 as another information output unit performs a printing process on the statement slip to print the information on the transaction, and discharges the statement slip from the card insertion / ejection slot 1 at the end of the transaction. The journal processing unit 18 performs a recording process on the journal as a transaction record, and stores it in the apparatus at the end of the transaction.

  The card processing unit 20 reads the information of the cash card 30 inserted by the customer from the card insertion and discharge port 1 and discharges it to the card insertion and discharge port 1 after processing. The card processing unit 20 has two magnetic reading means provided corresponding to the two magnetic stripes provided on the cash card 30. The first card reader 21 as a magnetic reader reads the JIS 1 / ISO side stripe provided on the back surface of the cash card 30 inserted by the customer. Then, the second card reader 22 as a magnetic reader reads the JIS 2 side stripe provided on the surface of the cash card 30 inserted by the customer.

The first stripe content determination means 11 checks the content of the JIS 1 / ISO side stripe on the back of the card read by the first card reading unit 21 to determine an error, and holds the read information.
The second stripe content determination means 12 checks the content of the stripe on the side of the JIS 2 on the card surface read by the second card reading unit 22 to determine an error, and holds the read information.

  The error display instructing means 13 displays an error confirmation screen to be described later with respect to the customer operation screen display unit 14 when the first stripe content judging means 11 judges an error for the contents of the JIS 1 / ISO side stripe on the back of the card. It instructs to display on touch panel 5.

  FIG. 3 is an external view of a cash card according to the first embodiment. 2 shows a cash card 30 as a transaction medium with multiple magnetic stripes. FIG. 3A shows the surface of the cash card 30, and the JIS 2 side stripe 32 is provided on the surface of the cash card 30. FIG. The JIS 2 side stripe 32 is written with a bank account number for domestic ordinary deposits in accordance with the domestic standard. The JIS 2 side stripe 32 is read by the second card reading unit 22 of the card processing unit 20. The automated teller machine 100 conducts a transaction based on the magnetic information stored in the JIS 2 side stripe provided on the surface of the cash card 30 as described above.

  Further, FIG. 3B shows the back surface of the cash card 30, and the JIS 1 / ISO side stripe 31 is provided on the back surface of the cash card 30. FIG. The JIS 1 / ISO side stripe 31 is written with information for overseas withdrawal in accordance with the international standard. In the present embodiment, the JIS 1 / ISO side stripe 31 is read by the first card reading unit 21 of the card processing unit 20.

Next, the operation of the automated teller machine 100 according to the first embodiment will be described. 4A and 4B are flowcharts showing the operation of the automatic transaction apparatus according to the first embodiment.
S101: The common control unit 10 instructs the proximity sensor 6 to monitor the approach of the customer to the automated teller machine 100.

S102: When the customer approaches, the common control unit 10 instructs the customer operation screen display unit 14 to display a transaction selection screen (not shown) on the touch panel 5.
S103: If, for example, a withdrawal transaction is selected by the customer on the transaction selection screen, the common control unit 10 receives a selection signal of the withdrawal transaction from the customer operation key input unit 15. Then, the common control unit 10 instructs the customer operation screen display unit 14 to display on the touch panel 5 a card insertion screen (not shown) that urges insertion of the cash card 30.

S104: When the cash card 30 is inserted by the customer, the common control unit 10 causes the second card reading unit 22 to read the JIS 2 side stripe 32 provided on the surface of the cash card 30 inserted by the customer. To direct.
S105: Furthermore, the common control unit 10 instructs the first card reading unit 21 to read the JIS 1 / ISO side stripe 31 provided on the back surface of the cash card 30 inserted by the customer.

S106: The common control unit 10 instructs the second stripe content determination unit 12 to determine whether there is an error in the read content, as a result of reading the JIS 2-side stripe 32 on the surface of the cash card 30 in step S104. Do. When it is an error (trading impossible), it transfers to step S107, and when it is not an error (trade possible), it transfers to step S108.

S107: If the JIS 2 side stripe 32 is an error (not transactionable), the transaction is interrupted, the common control unit 10 instructs the card processing unit 20 to return the cash card 30, and the customer operation screen display unit 14 instructs the touch panel 5 to display the end of the transaction on the touch panel 5, and the transaction is ended. This is because the automated teller machine 100 performs a transaction based on the magnetic information stored in the JIS 2 side stripe 32.

S108: With respect to the result of reading the JIS 1 / ISO side stripe 31 on the back surface of the cash card 30 in step S105, the common control unit 10 makes the first stripe content determination means 11 determine whether or not there is an error in the read content Instruct them to If it is an error (content error), the process proceeds to step S109. If it is not an error (normal), the process proceeds to step S110.

S109: When there is an error in the read contents of the JIS 1 / ISO side stripe 31 on the back surface of the cash card 30, the common control unit 10 instructs the first stripe content judgment means 11 to store error information. . The reason why the transaction is not interrupted is that the automated teller machine 100 does not perform the transaction based on the magnetic information stored in the JIS 1 / ISO side stripe 31. At this time, the transaction is continued.

S110: If there is no error in the read contents of the JIS 1 / ISO side stripe 31 on the back surface of the cash card 30, the common control unit 10 causes the touch panel 5 to display a password input screen (not shown) for the customer operation screen display unit 14. Instruct to display. The customer inputs the password according to the password input screen.

S111: When the personal identification number is input by the customer, the common control unit 10 instructs the customer operation screen display unit 14 to display an amount input screen (not shown) or the like on the touch panel 5. The customer enters the withdrawal amount according to the amount entry screen.
S112: When transaction information such as a personal identification number and an amount is inputted by the customer, the common control unit 10 instructs the interface unit 19 to transmit the transaction information to the host computer 200. Thereafter, it performs transaction exchange with the host computer 200.

S113: The common control unit 10 checks the device storage unit 23 for the presence or absence of error information of the read contents of the JIS 1 / ISO side stripe 31 on the back surface of the cash card 30. When there is error information, the process proceeds to step S114, and when there is no error information, the process proceeds to step S115.

S114: When there is error information, the error display instructing means 13 of the common control unit 10 causes the customer operation screen display unit 14 to read error information in the read contents of the JIS 1 / ISO side stripe 31 on the back surface of the cash card 30. It instructs to display on the touch panel 5 a JIS 1 error confirmation screen 35 indicating that there is an error. The JIS 1 error confirmation screen 35 may be displayed during transaction transmission / reception with the host computer 200 in step S112. This can reduce the transaction time.

  FIG. 5 is an explanatory view showing a JIS 1 error confirmation screen according to the first embodiment. The JIS 1 error confirmation screen 35 is displayed on the touch panel 5 by the customer operation screen display unit 14. On the JIS 1 error confirmation screen 35, the text of "Information" and "The card used by the customer may not be traded when used overseas. Please bring it to a branch near you." A confirmation button 37 is displayed together with 36. When the customer operation key input unit 15 detects pressing of the confirmation button 37 by the customer, the common operation control unit 10 is notified.

  Here, since it is assumed that the customer does not press the confirmation button 37, the common control unit 10 causes the confirmation button 37 to be displayed after a predetermined time (for example, 5 seconds) elapses after the display of the JIS 1 error confirmation screen 35. It is good also as continuing a subsequent transaction as what was pressed down.

S115: The common control unit 10 instructs the journal processing unit 18 to acquire a journal.
S116: The common control unit 10 instructs the customer operation screen display unit 14 to display on the touch panel 5 a statement slip issue selection screen (not shown) by which the customer selects the presence or absence of the statement slip.

S117: Next, the common control unit 10 instructs the customer operation screen display unit 14 to display a card return screen (not shown) on the touch panel 5, and instructs the card processing unit 20 to return the cash card 30. Do. Then, when the statement slip issuance is selected by the customer in step S116, the common control unit 10 causes the statement slip processing unit 17 to print a statement slip, and simultaneously with the return of the cash card 30 from the card insertion and ejection port 1. Instruct to discharge statement slips.
S118: Finally, the common control unit 10 instructs the cash processing unit 16 to discharge bills and coins from the bill depositing / dispensing port 3 and the coin depositing / dispensing port 4.

  As described above, according to the first embodiment, a customer using a credit card or cash card with JIS 1 / ISO stripe (rear surface) that can be used overseas with a domestically issued JIS 2 card (front surface stripe) can be used in Japan. When conducting a transaction using ATM, if the contents of the JIS 1 / ISO stripe (back side) used overseas are an error, it is possible to introduce the possibility that the transaction can not be conducted overseas. The guidance makes it possible to urge card renewal, thereby preventing in advance the situation where the card can not be used overseas, and an effect of increasing the convenience of the customer can be obtained.

(Modification 1 of the first embodiment)
In the first embodiment, when the content of JIS 1 / ISO stripe (rear surface) is an error, the JIS 1 error confirmation screen 35 is displayed on the touch panel 5 by the customer operation screen display unit 14 as an information output unit. But it is not limited to this. That is, it is possible to print on a statement slip by the statement slip processing unit 17 as another information output unit, and to guide the customer.

  FIG. 6 is an explanatory view showing a printed example of a statement slip related to the modified example 1 of the first embodiment. If there is error information in step S114, the common control unit 10 issues a statement slip to the customer with respect to the statement slip processing unit 17, the JIS 1 / ISO side stripe 31 on the back surface of the cash card 30. It instructs to print on the statement slip that there is error information in the read contents.

  Then, in step S116, when the customer selects issuance of the statement slip 40, the common control unit 10 instructs the statement slip processing unit 17 to issue the statement slip 40. Necessary items 41 such as date, shop number, account number, transaction content, transaction amount and transaction balance are printed on the statement slip 40. In addition, the notice 42 of "Information" and "Your card used may not be traded when used overseas. Please bring it to a branch near you." . This allows the customer to keep a record and to confirm the need for updating at any time.

(Modification 2 of the first embodiment)
FIG. 7 is an explanatory view showing a JIS 1 error confirmation screen regarding a modification 2 of the first embodiment. In the first embodiment, when the content of JIS 1 / ISO stripe (rear surface) is an error, the JIS 1 error confirmation screen 35 is displayed on the touch panel 5 as shown in FIG. 5, but the present invention is not limited thereto. . That is, as shown in FIG. 7, in addition to the confirmation button 37, a “don't display later” button 43 may be provided, which means that the display of the JIS 1 error confirmation screen 35 is not desired thereafter.

  When the customer presses the "don't display later" button 43, the common control unit 10 sends the host computer 200 via the interface unit 9 the cash card 30 used by the customer according to JIS 1 / ISO stripe (back side) Send information on the fact that the content of the) is an error and that the customer does not want to be notified. The host computer 200 stores this information in the database 201. In the subsequent transactions, the automatic transaction apparatus 100 does not display the JIS1 error confirmation screen 35 because it knows that the customer does not want this notification based on the information received from the host computer 200 in step S112.

(Modification 3 of the first embodiment)
In the first embodiment, as shown in FIG. 3, the case where the JIS 2 side stripe (front surface) and the JIS 1 / ISO stripe (back surface) are provided on the front and back surfaces of the cash card 30 has been described. Not limited to. The two magnetic stripes may be both magnetic stripes provided on the surface of the cache card 30. FIG. 8 is an external view of a cash card according to the third modification of the first embodiment.

  As shown in FIG. 8, A-type stripes 51 and B-type stripes 52 are temporarily provided on the surface of the cash card 30. The A-type stripe 51 and the B-type stripe 52 are read by the first card reading unit 21 and the second card reading unit 22 of the card processing unit 20. It is assumed that the automatic transaction apparatus 100 performs a transaction based on data of one of the A-system stripes 51, for example. Although the transaction is not performed depending on the data of the stripe 52 of the B scheme, the present invention is applicable if the stripe 52 of the B scheme is checked.

(Modification 4 of the first embodiment)
In the above embodiment, the magnetic reading means provided corresponding to the two magnetic stripes provided on the cash card 30 has been described. Specifically, although the first card reading unit 21 and the second card reading unit 22 have been described as separate elements, the present invention is not limited to this. That is, the present invention is applicable even if the magnetic information is read by moving one common magnetic reading means to be moved to the reading position corresponding to the two magnetic stripes.

(Modification 5 of the first embodiment)
In the above embodiment, when the content of JIS 1 / ISO stripe (back side) is an error, displaying the content of the error on the customer operation screen display unit 14 each time a transaction has been described, but the present invention is not limited thereto. That is, since it is rather troublesome for the customer to display the transaction every time, the frequency may be changed, for example, once per month or once every two to three times of the transaction. .

(Modification 6 of the first embodiment)
In the above embodiment, when there is error information in step S114, the common control unit 10 causes the statement slip processing unit 17 to issue a statement slip to the customer. Although it has been described that the fact that there is error information in the read contents of the JIS 1 / ISO side stripe 31 is printed on the statement slip, it is not limited thereto.

  That is, when there is error information in the read contents of the JIS 1 / ISO side stripe 31, even when the customer does not select the issuance of the statement slip on the statement slip issuance selection screen (not shown) in step S116, A statement slip may be issued. Alternatively, the statement slip may be forcibly issued without displaying the statement slip issuance selection screen (not shown) in step S116. This is to reliably inform the customer that there is error information in the read contents of the JIS 1 / ISO side stripe 31.

DESCRIPTION OF SYMBOLS 1 card insertion discharge port 5 touch panel 10 common control part 11 1st stripe content determination means 12 2nd stripe content determination means 13 error display instruction means 14 customer operation screen display part 15 customer operation key input part 20 card processing part 21 1 card reader 22 22 second card reader 30 cash card 31 JIS 1 / ISO side stripe 32 JIS 2 side stripe 36 guidance sentence 100 automatic transaction apparatus

Claims (10)

In an automatic transaction apparatus capable of accepting a transaction medium provided with a plurality of magnetic stripes and performing a transaction based on information stored in one magnetic stripe in the transaction medium,
A medium insertion and discharge port for inserting and discharging the transaction medium;
Magnetic reading means provided corresponding to the plurality of magnetic stripes and reading information stored in the magnetic stripes;
An information output unit that outputs information on transactions;
When the information can not be read from the one magnetic stripe, the transaction is interrupted, and when the information can not be read from the other magnetic stripe, the transaction is continued, and the information output unit receives the information from the magnetic stripe other than the one. An automatic transaction apparatus characterized by having a control part which controls to output that information was not able to be read.   The automatic transaction apparatus according to claim 1, wherein a plurality of the magnetic reading means are provided corresponding to the plurality of magnetic stripes.   The automatic transaction apparatus according to claim 1 or 2, wherein the information output unit is a display unit that displays information to a customer.   The automatic transaction according to claim 3, wherein the control unit displays on the display unit that the information from the magnetic stripe other than the one can not be read during the transaction with the host computer. apparatus.   The automatic transaction apparatus according to claim 1 or 2, wherein the information output unit is a statement slip processing unit that prints the result of the transaction to the customer.   The automatic transaction apparatus according to claim 5, wherein the control unit controls the statement slip processing unit to forcibly print that the information from the magnetic stripe other than the one can not be read.   The automatic display according to claim 3, characterized in that the display section is provided with a "do not display after" button which means that the display of the fact that the information from the magnetic stripe other than the one can not be read is not desired. Trading device.   The automatic transaction apparatus according to claim 1, wherein the magnetic reading means is one of the magnetic reading means common to the plurality of magnetic stripes.   The first magnetic stripe is a magnetic stripe provided on the surface of the transaction medium, and the other magnetic stripe is a magnetic stripe provided on the back surface of the transaction medium. The automated teller machine of any one statement. The automatic transaction apparatus according to any one of claims 1 to 7, wherein the one magnetic stripe and the other magnetic stripes are both magnetic stripes provided on the surface of the transaction medium.

Images