JP6752161B2 - ATMs, card readers and methods - Google Patents

Description

The present invention relates to a self-operated automated teller machine. In particular, for users of automated teller machines, by devising a procedure for reading information on magnetic stripes and IC chips on cash cards, the reading time of information stored in cash cards can be shortened and service time can be shortened. It is related to automated teller machines that improve services by doing so.

Conventionally, when the magnetic data stored in the magnetic stripe cannot be read normally, by accessing the IC chip, even if the magnetic data stored in the magnetic stripe cannot be read normally. , It is possible to execute financial transactions based on the IC data stored in the IC chip.

JP 2009-009180

In the technique described in Patent Document 1, when the magnetic data of the magnetic stripe of the cash card cannot be read, the data of the IC chip of the cash card is read and the automatic teller machine is traded with the information on the IC chip. .. However, in the above-mentioned prior art, since the reading operation of the information of the IC chip is started after confirming the state of the magnetic data for reading the magnetic information on the cash card, the reading time of the cash card information becomes long, and as a result, the automatic transaction is performed. The service time to the user who uses the device becomes longer. In particular, the cash card is a contact type IC card, and the IC chip of the contact IC card needs time to be activated, so that the waiting time of the user becomes remarkably long.

A magnetic information reader that reads magnetic information stored in a magnetic stripe on a cash card, an IC chip information reader that reads IC chip information stored in an IC chip mounted on a cash card, and a cache included in the magnetic information. The card is provided with a control unit that determines the presence / absence of an IC chip based on the presence / absence information of the IC chip indicating the presence / absence of the IC chip, and the control unit reads the IC chip when it is determined that there is no information on the IC chip. Provide an automated teller machine that stops and trades the automated teller machine based on magnetic information.

According to the present invention, in a device that handles a card having a magnetic stripe and an IC chip, it is possible to shorten the time for reading information from the card.

It is a flowchart of 1st Embodiment of an automatic teller machine. It is a figure of the hardware composition of an automatic teller machine. It is a figure of the record structure of the magnetic stripe information used in the automatic teller machine. It is a figure of the record structure of IC chip information used in an automatic teller machine. It is a figure of the record structure of the usage limit information used in an automated teller machine. It is a flowchart of the details of the transaction processing of the automatic teller machine. This is an example of screen display of an automated teller machine. It is a flowchart of the details of the transaction processing of the automatic teller machine. This is an example of screen display of an automated teller machine. It is a flowchart of the 2nd Embodiment of an automatic teller machine. This is a screen display example of the second embodiment of the automated teller machine. It is a flowchart of the third embodiment of an automated teller machine. It is a figure of the hardware composition of the 3rd Embodiment of an automatic teller machine. It is a flowchart of the 4th Embodiment of an automatic teller machine.

Below, a magnetic information reader that reads magnetic information stored in a magnetic stripe on a card, an IC chip reader that reads IC chip information stored in an IC chip on a card, and a card included in the magnetic information. A judgment unit that determines the presence / absence of an IC chip based on the presence / absence information of the IC chip indicating whether or not the IC chip is mounted, and a stop unit that stops reading the IC chip when the judgment unit determines that there is no IC chip information. , A trading department that executes transactions of automatic trading devices based on magnetic information, and a trading department that executes transactions of automatic trading devices based on IC chip information when the judgment unit determines that there is IC chip information. The first embodiment of the automatic trading device will be described. In the following, a cash card will be described as a card medium that may include a magnetic stripe and an IC chip. FIG. 1 shows a basic flowchart of the present invention. All steps 1 to 7 are executed by the automated teller machine.

In step 1, the card reader of the input unit 212 accepts the insertion of a cash card from the user of the automated teller machine 21.

In step 2, the magnetic stripe reader 2121 (magnetic information reading unit) reads the magnetic information stored in the magnetic stripe on the cash card received by the card reader of the input unit 212 in step 1. The magnetic information to be read is, for example, a bank number, a store number, a subject, an account number, and IC chip presence / absence information. Details of the contents of each information will be described in detail in FIGS. 4 and 5.

In step 3, the IC chip reader 2122 (IC chip reading unit) reads the information stored in the IC chip on the cash card received by the card reader of the input unit 212 in step 1. The information to start reading is, for example, a bank number, a store number, a subject, and an account number. Here, after the start of the magnetic stripe reading process in step 2, the entire processing time can be shortened by immediately starting the reading of the IC chip without waiting for the reading result to be known.

In step 4, based on the IC chip presence / absence information indicating whether or not the IC chip is mounted, which is included in the magnetic information read in the magnetic stripe reader 2121 in step 2, the input unit 212 indicates whether or not the IC card is mounted on the cash card. The input control unit (not shown) or the overall control unit 215 of the automatic teller machine 21 determines. Here, the input control unit (not shown) of the input unit 212 or the overall control unit 215 of the automated teller machine 21 is also referred to as a control unit. When the control unit determines that the IC card is not mounted on the cash card, step 5 is executed after this step. When the control unit determines that the IC card is mounted on the cash card, step 7 is executed after this step.

In step 5, the control unit cancels the reading operation of the IC chip reader 2121 that started reading the IC chip information stored in the IC chip in step 3.

In step 6, the control unit trades the automated teller machine using the magnetic information read by the magnetic stripe reader 2121. The term "transaction of an automated teller machine" as used herein means a withdrawal transaction in which cash stored in the automated teller machine is taken out of the automated teller machine, a deposit transaction in which cash is taken into the automated teller machine, or another transaction from a bank account. There is a business of transferring cash or the like to a bank account, but the present invention covers all transactions using a cash card of an automated teller machine.

In step 7, the automatic teller machine trades using the IC chip information read by the IC chip reader 2122. In this step 7, as in step 6, all transactions using the cash card of the automated teller machine are targeted.

FIG. 2 describes a hardware configuration for operating the present invention. 21 is an automated teller machine. The automatic teller machine 21 has, for example, a function equivalent to that of an ATM, deposits and withdraws banknotes and coins using a cash card, and prints a passbook, prints a receipt, and issues a transaction result. Reference numeral 211 is a display unit mounted on the automated teller machine 21. The display unit 211 displays the transaction menu, guidance on the operation method, and transaction details such as the amount and account number to the user who uses the automated teller machine. Reference numeral 212 denotes an input unit mounted on the automated teller machine 21. The input unit 212 receives information necessary for the transaction of the automated teller machine 21 by accepting a cash card or an operation on a touch panel or the like from a user. In particular, the input unit 212 is characterized by holding a magnetic stripe reader 2121 and an IC chip reader 2122 as a function of reading a cash card.

The storage unit 213 temporarily stores the information necessary for the automatic teller machine 21 to provide the service to the user, the user attribute information, and the information to be transmitted to the accounting host 22. The communication unit 214 is a communication unit mounted on the automated teller machine 21. The communication unit 214 retains the function of the automated teller machine 21 communicating with the accounting host 22. Reference numeral 215 is an overall control unit mounted on the automated teller machine 21. The overall control unit 215 controls the operation of each unit 211 to 214 mounted on the automated teller machine 21. 23 is a cash card. The cash card 23 is equipped with a magnetic stripe 231 and an IC chip 232.

FIG. 3 shows magnetic stripe information 300 (magnetic information) stored in the magnetic stripe 231 of the cash card 23 or the storage unit 213, bank number information 301 which is information unique to each bank, and information unique to each store. It is composed of a certain store number information 302, subject information 303, account number information 304 which is information unique to each account, and IC chip presence / absence information 305 indicating the presence / absence of an IC chip of a cash card 23.

FIG. 4 shows the IC chip information 400 stored in the IC chip 232 or the storage unit 213 on the cash card 23, the bank number information 401 which is information unique to each bank, and the store number which is information unique to each store. It is composed of information 402, subject information 403, and account number information 404, which is information unique to each account.

FIG. 5 is usage limit information 500 that is stored in the storage unit 213 and indicates the usage limit of the transaction, and is composed of storage medium information 501 indicating the type of storage medium used for executing the transaction and usage limit information 502. To do. For example, in the case of FIG. 5, the usage limit of the transaction based on the magnetic stripe information 300 is 100,000 yen, and the usage limit of the transaction based on the IC chip information 400 is 1 million yen.

FIG. 6 is a flowchart illustrating the details of step 6 in which the automatic teller machine processes the transaction based on the magnetic information.

Step 6 is performed after performing step 5. Step 6 is composed of four steps of step 601, step 602, step 603, and step 604.

In step 601 the control unit reads the information of the usage limit information 502 from the usage limit information 500 stored in the storage unit 213 using the storage medium information 501 as a key, and sets the usage limit. As an example, using the "magnetic stripe" stored in the storage medium information 501 as a key, the "100,000 yen" stored in the usage limit information 502 is read, and the usage limit is set to "100,000 yen". ..

In step 602, the usage limit amount read in step 601 is displayed to the user using the display unit 211.

In step 603, the result of confirming the content of the wording displayed in step 602 is received by using the input unit 212. FIG. 7 is an example of a screen displayed in step 602. Reference numeral 701 is a screen frame displayed on the display unit 211. Reference numeral 702 is a wording indicating to the user of the automated teller machine whether the usage limit is set based on the medium of the magnetic stripe or the IC chip mounted on the cash card. In the example of FIG. 7, the display unit 211 displays the phrase "a transaction based on magnetic stripe information" and indicates to the user of the automated teller machine that the transaction is based on "magnetic stripe" information. Reference numeral 703 is a wording for displaying the usage limit to the user of the automated teller machine. In the example of FIG. 7, the display unit 211 displays "the usage limit is 100,000 yen" and indicates to the user of the automated teller machine that the usage limit is "100,000 yen". Reference numeral 704 is a confirmation button in which the input unit receives the confirmation result from the user of the automated teller machine. In the example of FIG. 7, the display unit displays "OK".

Step 604 trades the automated teller machine based on the magnetic information. The magnetic information is a bank number, a store number, a subject, and an account number. Using the magnetic information, the automated teller machine accepts information other than the magnetic information as needed depending on the type of transaction, and the automated teller machine executes the transaction. The transaction of the automated teller machine referred to here is cash withdrawal, deposit, transfer, etc., and is usually a transaction handled by the automated teller machine using an account number, and does not limit the type of transaction.

FIG. 8 is a follow-up chart illustrating the details of step 7 in which the automatic teller machine processes the transaction based on the IC chip information.

Step 7 is performed after performing step 4. Step 7 is composed of four steps of step 801, step 802, step 803, and step 804.

In step 801 the control unit reads the information of the usage limit information 502 from the usage limit information 500 stored in the storage unit 213 using the storage medium information 501 as a key, and sets the usage limit. As an example, using the "IC chip" stored in the storage medium information 501 as a key, the "1 million yen" stored in the usage limit information 502 is read, and the usage limit is set to "1 million yen". ..

In step 802, the usage limit amount read in step 601 is displayed to the user using the display unit 211.

In step 803, the result of confirming the content of the wording displayed in step 602 is received by using the input unit 212. FIG. 9 is an example of a screen displayed in step 802. Reference numeral 701 is a screen frame displayed on the display unit 211. Reference numeral 901 is a wording indicating to the user of the automated teller machine on what medium the usage limit is set. In the example of FIG. 9, the display unit displays the wording "It is a transaction based on IC chip information" and indicates to the user of the automated teller machine that the transaction is based on the "IC chip" information. 902 is a wording in which the display unit displays the usage limit to the user of the automated teller machine. In the example of FIG. 9, the display unit displays "the usage limit is 1 million yen" and indicates to the user of the automated teller machine that the usage limit is "1 million yen". Reference numeral 903 is a confirmation button on which the input unit receives the confirmation result from the user of the automated teller machine. In the example of FIG. 9, the display unit displays "OK".

In step 804, the transaction of the automatic teller machine is carried out based on the IC chip information.

The IC chip information is a bank number, a store number, a subject, and an account number. Based on the IC chip information, the automated teller machine accepts information other than the IC chip information as needed according to the type of transaction, and the automated teller machine executes the transaction. The transaction of the automated teller machine here is a cash withdrawal, deposit, transfer, etc., which is usually handled by the automated teller machine using an account number, and the types of transactions are limited as in step 604. It's not something to do.

The above is a description of the first embodiment of the automated teller machine according to the present invention. The cash card is accepted in step 1, the information of the magnetic stripe is read in steps 2 and 3, and the information of the IC chip is read before determining the presence / absence information of the IC chip included in the magnetic stripe, and the information of the magnetic stripe is read in step 4. By determining that the IC chip is not mounted based on the information and canceling the reading of the IC chip in step 5, the reading time of the cash card can be shortened. Further, the automatic teller machine with high security is provided by determining the limit amount handled by the automatic teller machine according to the difference in information between the magnetic stripe and the IC chip, that is, the degree of security. However, since the means and method for determining the limit amount in the automatic teller machine are incidental to the object of the present invention due to the difference in the information between the magnetic stripe and the IC chip, the limit amount is set. The original object of the present invention can be achieved without means or methods.

Hereinafter, a second embodiment of the automated teller machine according to the present invention will be described.

FIG. 10 is a basic flowchart illustrating a second embodiment of the present invention. In the second embodiment as in the first embodiment, steps 101 to 105 and step 7 are all executed on the automated teller machine. The second embodiment has the same hardware configuration as the first embodiment shown in FIG. Further, the information record used in the second embodiment uses the magnetic stripe information, the IC chip information, and the usage limit information shown in FIGS. 3, 4, and 5, respectively.

In step 101, the input unit 212 of the automated teller machine accepts the insertion of a card from the user.

In step 102, from the magnetic stripe portion of the card received in step 101, the magnetic stripe reader 2121 (magnetic detection unit) detects the presence or absence of a magnetic stripe on the card or reads the first predetermined byte of the magnetic stripe. Do.

In step 103, if the magnetic stripe reader 2121 (magnetic detection unit) can detect the magnetic stripe from the result of detecting the magnetic stripe in step 102, step 104 is executed. If the magnetic stripe reader 2121 (magnetic detection unit) cannot detect the magnetic stripe, step 105 is executed.

In step 104, the IC chip reader 2122 reads the IC chip information stored in the IC chip on the cash card received in step 101. Specifically, the bank number 401, the bank number 402, the bank number 403, and the account number 404 are read from the IC chip information 500 stored in the IC chip.

In step 105, a screen indicating that the transaction cannot be made is displayed on the display unit 211, the input unit 212 receives the confirmation result from the user that the transaction cannot be made, and the transaction of the automatic teller machine is terminated. FIG. 11 shows an example of a screen displayed by the display unit 211 in step 105. 701 is a screen frame, and 1101 is a wording indicating that the user of the automated teller machine cannot trade. In the example of FIG. 11, the display unit 211 displays that "the card you are using cannot be used for trading." The 1102 is a confirmation button in which the input unit 212 receives the result of confirming that the user of the automatic teller machine cannot make a transaction. In the example of FIG. 11, the display unit 211 displays "OK".

Step 7 has the same operation as step 7 described in the description of the first embodiment.

The above is the processing flow of the second embodiment. In the second embodiment, the card inserted into the automated teller machine is a cash card by detecting the presence or absence of a magnetic stripe on a cash card or by reading the first predetermined byte of the magnetic stripe. Determine if it is likely to be a cash card. The first few bytes of the cash card contain useful information for determining whether the card is a cash card. By determining whether the card is a cash card before reading the IC chip, a card or the like that is not a cash card has been inserted while shortening the transaction time of the automatic teller machine, which is an effect of the first embodiment. It is possible to speed up the operation for the case and avoid damaging the card reader.

The above is the description of the second embodiment of the present invention.

Hereinafter, a third embodiment of the automated teller machine according to the present invention will be described.

FIG. 12 is a basic follow-up chart illustrating a third embodiment of the present invention. In the third embodiment as in the first and second embodiments, steps 1201 to 1206, and steps 6 and 7 are all executed by the automated teller machine.

In the third embodiment, one function is added to the hardware configurations of the first and second embodiments. FIG. 13 shows the hardware configuration of the third embodiment. The function to be added is the face image reader 2123. The face image reader 2123 acquires the image of the card received by the input unit 212. Further, the information record used in the third embodiment uses the magnetic stripe information, the IC chip information, and the usage limit information shown in FIGS. 3, 4, and 5, respectively.

In step 1201, the card device of the input unit 212 receives the insertion of the cash card from the user of the automatic teller machine.

In step 1202, the face image reader 2123 acquires the face image of the cash card received in step 1201.

In step 1203, the control unit analyzes the image of the card face acquired in step 1202 and identifies whether or not the IC chip is mounted on the cash card received in step 1201.

Step 1204 executes step 1205 when it is determined that the IC chip is mounted by the identification in step 1203. If it is determined that the IC chip is not mounted, step 1206 is executed.

Step 1205 reads the information in the IC chip mounted on the cash card received in step 1201. The information to be read is the bank number, store number, subject, and account number.

Step 1206 reads the magnetic stripe information mounted on the cash card received in step 1201. The information to be read is the bank number, store number, subject, and account number.

Step 6 has the same operation as step 6 described in the description of the first embodiment.

Step 7 has the same operation as step 7 described in the description of the first embodiment.

The above is the processing flow of the third embodiment. In the third embodiment, whether or not an IC chip is mounted on the cash card is determined by analyzing an image on the face of the card. By determining the presence or absence of an IC chip in the cash card before reading the IC chip, a card or the like that is not a cash card is inserted while shortening the transaction time of the automatic teller machine, which is an effect of the first embodiment. It is possible to speed up the operation in case of accident and avoid breaking the card reader.

The above is the description of the third embodiment of the present invention.

Hereinafter, a fourth embodiment of the automated teller machine according to the present invention will be described.

FIG. 14 is a basic flowchart illustrating a fourth embodiment of the present invention. The fourth embodiment is a combination of the first embodiment and the second embodiment. Therefore, steps 1 to 7 are the same operations as in the first embodiment. Further, step 102, step 103, and step 105 have the same operations as those in the second embodiment. The hardware configuration of the fourth embodiment is the same as that shown in FIG. Further, the information record used in the fourth embodiment uses the magnetic stripe information, the IC chip information, and the usage limit information shown in FIGS. 3, 4, and 5, respectively.

The above is the description of the fourth embodiment. In the fourth embodiment, as in the second embodiment, the card inserted into the automated teller machine is inserted by detecting the presence or absence of the magnetic stripe on the cash card or reading the first few bytes of the magnetic stripe. , Determine if it is a cash card or likely. By determining whether the card is a cash card before reading the IC chip, a card or the like that is not a cash card has been inserted while shortening the transaction time of the automatic teller machine, which is an effect of the first embodiment. It is possible to speed up the operation for the case and avoid damaging the card reader.

As described above, the examples of the present invention have been described using the first to fourth embodiments, but the present invention is not limited to these examples as long as it is within the scope of the present invention. .. Further, in any form, the operating entity may be an overall control unit of an automated teller machine, an input control unit of an input unit, or a combination thereof.

21-Automatic teller machine, 211-Display, 212-Input, 2121-Magnetic stripe reader, 2122-IC chip reader, 213-Storage device, 214-Communication, 215-Communication, 22-Accounting host, 23 -Cash card, 231-magnetic stripe, 232-IC chip, 2123-ticket image reader, 2016-Image recognition unit

Claims (6)

A magnetic information reader that reads the magnetic information stored on the magnetic stripe on the card,
An IC chip reader that reads IC chip information stored in the IC chip on the card,
It has a control unit that determines the presence / absence of an IC chip based on the presence / absence information of the IC chip indicating the presence / absence of the IC chip mounted on the card included in the magnetic information read by the magnetic information reading unit.
The control unit starts reading magnetic information by the magnetic information reading unit and reading by the IC chip reading unit, and based on the IC chip presence / absence information read by the magnetic information reading unit, the control unit performs the card. An automated teller machine characterized in that the reading of the IC chip by the IC chip reading unit is stopped when it is determined that the IC chip is not mounted. The automatic teller machine according to claim 1, wherein the control unit determines that the card is not equipped with an IC chip based on the IC chip presence / absence information, and the magnetism read by the magnetic information reading unit. It is characterized by carrying out transactions of automated teller machines based on information. The IC according to claim 2, wherein the control unit determines that the card is equipped with an IC chip based on the IC chip presence / absence information, and the IC is read by the IC chip reading unit. It is characterized by carrying out a transaction of an automated teller machine based on chip information. The automated teller machine according to any one of claims 1 to 3.
It also has a display unit that displays information.
The control unit is characterized in that a limit amount handled by an automated teller machine is set based on the magnetic information or the IC chip information, and the limit amount is displayed on the display unit . The automatic teller machine according to any one of claims 1 and 2, and further, whether the transaction carried out by the automatic teller machine is carried out based on the magnetic information or the IC chip information. It is provided with a display unit for displaying. A magnetic detector that detects the presence or absence of a magnetic stripe on the card,
A magnetic information reader that reads the magnetic information stored in the magnetic stripe on the card,
An IC chip reader that reads IC chip information stored in the IC chip on the card,
An automated teller machine having a magnetic detection unit, a magnetic information reading unit, and a control unit that performs processing based on information acquired by the IC chip reading unit.
When the magnetic detection unit detects the presence or absence of the magnetic stripe, the control unit causes the magnetic information reading unit to acquire IC chip presence / absence information indicating the presence / absence of the IC chip included in the magnetic information. The IC chip reading unit is started to read the IC chip information, and when it is determined that there is no IC chip based on the IC chip presence / absence information, the IC chip reading unit stops reading the IC chip information. Automatic teller machine.

Images