JP6832876B2 - Automated teller machines, magnetic stripe repair methods, and magnetic stripe repair programs - Google Patents

Description

The present invention executes an automated teller machine that executes transaction processing using a card having a magnetic stripe and an IC (integrated circuit) chip, a magnetic stripe repair method executed in the automated teller machine, and a computer of the automated teller machine. Regarding the magnetic stripe repair program to be done.

Conventionally, automated teller machines (ATMs) and other automated teller machines installed in stores of financial institutions such as banks and stores of convenience stores have magnetic stripe cards (magnetic cards) and magnetic cards. Cash card transactions (financial institution transactions) and credit card transactions are carried out using cards having stripes and IC chips (magnetic IC cards).

The cards used at this time are roughly classified into the following four types (1) to (4), for example.
(1) A magnetic card having a magnetic stripe on which information including cash card information (financial institution number, branch number, subject, account number, etc.) is recorded.
(2) A magnetic card having a magnetic stripe on which information including credit card information (credit card membership number, etc.) is recorded.
(3) A magnetic IC card having a magnetic stripe on which information including cash card information is recorded and an IC chip on which information including cash card information is recorded.
(4) A magnetic IC card, a magnetic stripe on which information including credit card information is recorded, a magnetic stripe on which information including cash card information is recorded, and an IC chip on which information including cash card information is recorded. A cash card with a credit card function (also called an "integrated card").

FIG. 11 is a diagram illustrating the above four types of cards.
In FIG. 11, the card 100 illustrated in the upper left is the magnetic card (cash card) of the above (1), and has a magnetic stripe 101 on which information including cash card information is recorded. The card 110 illustrated in the upper right is the magnetic card (credit card) of (2) above, and has a magnetic stripe 111 on which information including credit card information is recorded. The card 120 illustrated in the lower left is the magnetic IC card (cash card) of (3) above, and the magnetic stripe 121 on which information including cash card information is recorded and an IC on which information including cash card information is recorded. It has a chip 122 and. The card 130 illustrated in the lower right is the magnetic IC card (integrated card) of (4) above, and the magnetic stripe 131 in which information including credit card information is recorded and information including cash card information are recorded. It has a magnetic stripe 132 and an IC chip 133 on which information including cash card information is recorded.

In FIG. 11, the magnetic stripes 101, 121, 132 and the IC chips 122, 133 on which the information including the cash card information is recorded are shown in gray, and the magnetic stripe 111 on which the information including the credit card information is recorded is shown in gray. , 131 are shown in black. Further, arrows 102, 112, 123, and 134 indicate a card insertion direction in the forward direction (forward direction), and arrows 135 indicate a card insertion direction in the reverse direction.

When a transaction is performed using any of the above four types of cards in an automated teller machine, for example, if the information recorded on the magnetic stripe is destroyed, a reading error of the magnetic stripe occurs. In such a case, the following measures are taken.

In the case of the cash card 100 of (1) above, it is not possible to repair the magnetic stripe 101 with an automated teller machine, so the financial institution will take measures such as repairing the magnetic stripe 101 by a bank employee at the financial institution window. To.

In the case of the credit card 110 in (2) above, the magnetic stripe 111 cannot be repaired by the automated teller machine and the financial institution cannot handle it. Therefore, the credit card company such as reissuing the card can handle it. Will be done.

In the case of the cash card 120 of (3) above, the magnetic stripe 121 is repaired by the automatic teller machine. In this case, the automated teller machine reads the information recorded on the IC chip 122, transmits the cash card information contained in the information to the host computer, and repairs the magnetic stripe 121 according to the instruction from the host computer based on the information. (Rewrite information).

In the case of the integrated card 130 of (4) above, when the magnetic stripe in which the read error has occurred is the magnetic stripe 131 in which information including credit card information is recorded, the same as in the case of (2) above A credit card company will handle it.

When a cash card transaction is performed using the integrated card 130 described in (4) above in the automated teller machine, the cash card transaction is performed based on the cash card information read from the integrated card 130 as follows. Is done.

When the integrated card 130 is inserted into the automated teller machine in the forward direction (direction of the arrow 134), the information of the magnetic stripe 131 in which the information including the credit card information is recorded is first read, and the information is read out. When information indicating that the card has an IC chip (information indicating that the card has an IC chip) is included in, the information recorded on the IC chip 133 is read out and cached based on the cash card information included in the information. Card transactions are carried out.

On the other hand, when the integrated card 130 is inserted into the automated teller machine in the opposite direction (direction of arrow 135), the information of the magnetic stripe 132 in which the information including the cash card information is recorded is first read out. When the information includes information indicating that the IC chip is present when the card is inserted in the positive direction, the integrated card 130 is instructed to be reinserted in the positive direction and the integrated card is inserted. 130 is returned once. Then, when the integrated card 130 is reinserted in the forward direction, the information recorded on the IC chip 133 is read out as described above, and a cash card transaction is performed based on the cash card information included in the information. Will be

In the card similar to the cash card 120 of (3) above, in the personalization step of setting personal data on the IC chip, the same transaction information as the transaction information recorded on the magnetic stripe is recorded on the IC chip. When such a card is inserted and the magnetic stripe is read out, if it is determined that the magnetic recording performance of the transaction information on the magnetic stripe is deteriorated, it is recorded on the magnetic stripe. There is known an automatic trading device that rewrites the traded information to the trading information read from the IC chip (trading information recorded in the above personalization step) (see, for example, Patent Document 1). ..

Japanese Unexamined Patent Publication No. 2005-165916

In an automated teller machine, for example, when a cash card transaction is performed using the integrated card 130 of (4) above, a read error of the magnetic stripe 131 in which information including credit card information is recorded occurs. Since the information indicating the presence of the IC chip is not recognized, the information from the IC chip 133 is not read and the cash card transaction cannot be performed. Therefore, in this case, there is a problem that the cash card transaction cannot be performed until the credit card company takes measures such as reissuing the card.

Further, for example, when a cash card transaction is performed using the cash card 120 of (3) above, if a read error of the magnetic stripe 121 in which information including cash card information is recorded occurs, as described above. Although it is possible to repair the magnetic stripe 121 by communicating with the host computer, there is a problem that the development cost increases due to the modification of the host computer in order to realize such a mechanism. There is.

In view of the above circumstances, the present invention enables the transaction even if a magnetic stripe read error occurs when the transaction is performed using the magnetic IC card, and the mechanism thereof is modified by an external device. It is an object of the present invention to provide an automated teller machine, a magnetic stripe repair method, and a magnetic stripe repair program that can be realized without.

One aspect of the device is an automatic trading device that executes transaction processing using a card having a magnetic stripe and an IC chip, and includes a magnetic stripe reading / writing unit that reads and writes information to the magnetic stripe. The IC chip read / write unit for reading and writing information to the IC chip and a determination unit for determining whether or not the information recorded on the magnetic stripe has been recorded on the IC chip are provided. When the magnetic stripe reading / writing unit reads the information recorded on the magnetic stripe and a reading error does not occur, the judgment unit makes the judgment, and the judgment result is that the recording has not been completed. The IC chip reading / writing unit writes the information read from the magnetic stripe by the magnetic stripe reading / writing unit to the IC chip.

One aspect of the method is a magnetic stripe repair method executed in an automatic trading apparatus that executes a transaction process using a card having a magnetic stripe and an IC chip, and reads out information recorded on the magnetic stripe. If the reading error does not occur, it is determined whether or not the information recorded on the magnetic stripe has been recorded on the IC chip, and if the determination result is not recorded, the determination result is When the information read from the magnetic stripe is written to the IC chip and the information recorded on the magnetic stripe is read and a read error occurs, the information recorded on the magnetic stripe has been recorded on the IC chip. If the result of the determination is that the result of the determination has been recorded, the recorded information read from the IC chip is written to the magnetic stripe.

One aspect of the program is when the computer of the automatic trading device that executes transaction processing using a card having a magnetic stripe and an IC chip reads the information recorded on the magnetic stripe and a read error does not occur. In addition, it is determined whether or not the information recorded on the magnetic stripe has been recorded on the IC chip, and if the result of the determination is not recorded, the information read from the magnetic stripe is used. When a read error occurs by writing to the IC chip and reading the information recorded on the magnetic stripe, it is determined whether or not the information recorded on the magnetic stripe has been recorded on the IC chip. When the determination result is that the determination result has been recorded, the magnetic stripe repair program is characterized by executing a process of writing the recorded information read from the IC chip to the magnetic stripe. Is.

The disclosed devices, methods, and programs enable transactions even if a magnetic stripe read error occurs when a transaction is performed using a magnetic IC card, and the mechanism involves modification of an external device. It has the effect of being able to be realized without any problems.

It is a figure which illustrates the structure of the automatic teller machine including the automatic teller machine which concerns on one Embodiment. It is a figure which illustrates the appearance structure of the automatic teller machine which concerns on one Embodiment. It is a figure which illustrates the hardware composition of the automatic teller machine which concerns on one Embodiment. It is a figure which illustrates the functional block composition of the automatic teller machine which concerns on one Embodiment. It is a figure which illustrates the data format of the magnetic stripe which a card inserted into a card insertion part has. It is a figure which illustrates the data structure of the memory included in the IC chip of a card inserted into a card insertion part. It is a flowchart (No. 1) which illustrates the flow of the ATM transaction processing executed in the automatic teller machine which concerns on one Embodiment. It is a flowchart (No. 2) which illustrates the flow of the ATM transaction processing executed in the automatic teller machine which concerns on one Embodiment. It is a figure (the 1) which illustrates the card return screen displayed in the display input part for a customer. It is a figure (No. 2) which illustrates the card return screen displayed in the display input part for a customer. It is a figure which illustrates four kinds of cards.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram illustrating a configuration of an automated teller machine including an automated teller machine according to an embodiment.

In FIG. 1, the automated teller machine 1 includes an automated teller machine 2 installed in a store of a financial institution such as a bank, a store of a convenience store, and a host computer 3 managed by the financial institution. The automatic teller machine 2 is, for example, an ATM, and is communicably connected to the host computer 3 via the network 4. The network 4 is, for example, a dedicated communication network for the Internet, an intranet, or an automated trading system 1.

FIG. 2 is a diagram illustrating an external configuration of an automated teller machine according to an embodiment.
As illustrated in FIG. 2, the automated teller machine 2 includes a passbook insertion unit 10, a card insertion unit 11, a coin deposit / withdrawal unit 12, a bill deposit / withdrawal unit 13, and a customer display input unit 14.

The passbook insertion unit 10 accepts and returns the passbook.
The card insertion unit 11 accepts and returns cards used for transactions (four types of cards (1) to (4) described above, etc.). The card insertion unit 11 also ejects a receipt on which transaction details are printed.

The coin deposit / withdrawal unit 12 accepts and withdraws coins.
The banknote deposit / withdrawal unit 13 accepts and pays out banknotes.

The customer display input unit 14 displays various screens for customers (transaction selection screen, card insertion screen, card return screen, etc.) and accepts operation input by the customer.

Although not shown, the automated teller machine 2 also includes a display input unit for staff on the back side of the device. The display input unit for staff receives various screens (operation screens, etc.) for staff and operation input by staff.

FIG. 3 is a diagram illustrating a hardware configuration of an automated teller machine according to an embodiment.
As illustrated in FIG. 3, the automatic teller machine 2 includes an ATM control unit 20, a banknote processing unit 30, a coin processing unit 40, a passbook processing unit 50, a card processing unit 60, and a receipt issuing processing unit 70.

The ATM control unit 20 includes a main control unit 21, a memory 22, a hard disk 23, a host communication control unit 24, a customer screen display unit 25, a customer key input unit 26, a staff screen display unit 27, and a staff key input unit 28. , And an IO (Input Output) control unit 29. The ATM control unit 20 is an example of a computer.

The main control unit 21 includes a CPU (Central Processing Unit) and controls the entire automatic teller machine 2. For example, the main control unit 21 controls the banknote processing unit 30, the coin processing unit 40, the passbook processing unit 50, the card processing unit 60, and the receipt issuing processing unit 70 via the IO control unit 29.

The memory 22 is composed of a RAM (Random Access Memory), a ROM (Read Only Memory), and the like. The RAM temporarily stores a part of a program executed by the CPU of the main control unit 21, various data required for processing by the CPU, and the like. The program executed by the CPU is a control program (including a magnetic stripe repair program) for controlling and executing each function of the OS (Operating System) program and the automatic teller machine 2.

The ROM of the memory 22 and the hard disk 23 record a program executed by the CPU of the main control unit 21, various data required for processing by the CPU, and the like.

The host communication control unit 24 controls communication with the host computer 3. The host communication control unit 24 can also control communication with other devices connected to the network 4.

The customer screen display unit 25 and the customer key input unit 26 are interfaces when the customer operates the automatic teller machine 2, and are also the customer display input unit 14 described above. More specifically, the customer screen display unit 25 displays various screens for customers. The customer key input unit 26 is a touch panel used for operation input by the customer and functions as a numeric keypad, key buttons, or the like, and is arranged on the customer screen display unit 25.

The clerk screen display unit 27 and the clerk key input unit 28 are interfaces when the clerk operates the automated teller machine 2, and are also the clerk display input unit (not shown) described above. More specifically, the staff screen display unit 27 displays various screens for staff. The clerk key input unit 28 is a touch panel used for operation input by the clerk and functions as a numeric keypad, a key button, or the like, and is arranged on the clerk screen display unit 27.

The IO control unit 29 is an input / output interface between the banknote processing unit 30, the coin processing unit 40, the passbook processing unit 50, the card processing unit 60, and the receipt issuing processing unit 70.

The OS program or control program recorded in the hard disk 23 in the ATM control unit 20 may be recorded in the hard disk 23 from, for example, an external device (not shown) via the network 4 and the host communication control unit 24. Alternatively, recording may be performed on the hard disk 23 from a portable recording medium (not shown) via a portable recording medium interface (not shown). Further, the OS program and the control program executed by the CPU of the main control unit 21 are stored in the RAM of the memory 22 from an external device (not shown) via the network 4 and the host communication control unit 24, and are stored by the CPU. It may be executed. Alternatively, the portable recording medium (not shown) may be stored in the RAM of the memory 22 via the portable recording medium interface (not shown) and executed by the CPU of the main control unit 21.

The banknote processing unit 30 counts the number of banknotes inserted into the banknote deposit / withdrawal unit 13 at the time of deposit or transfer, and determines the type of banknote. In addition, when paying out banknotes, the banknotes to be paid out are counted.

The coin processing unit 40 counts the number of coins inserted into the coin deposit / withdrawal unit 12 at the time of deposit or transfer, and determines the type of coin. Also, when paying out coins, the coins to be paid out are counted.

The passbook processing unit 50 reads out the information (data) recorded on the magnetic stripe of the passbook inserted in the passbook insertion unit 10. In addition, the passbook is filled in.

The card processing unit 60 reads and writes information (data) to the magnetic stripe or IC chip of the card inserted in the card insertion unit 11.

The receipt issuing processing unit 70 issues a receipt printed with transaction details for confirming the transaction result, and discharges the receipt from the card insertion unit 11.

FIG. 4 is a diagram illustrating a functional block configuration of an automated teller machine according to an embodiment.
However, FIG. 4 illustrates only the main functional block related to the configuration for restoring the information recorded on the magnetic stripe of the magnetic IC card inserted into the card insertion unit 11.

As illustrated in FIG. 4, the automated teller machine 2 includes a magnetic stripe read / write unit 81, an IC chip read / write unit 82, and a determination unit 83.

The magnetic stripe reading / writing unit 81 reads and writes information to the magnetic stripe of the card inserted in the card insertion unit 11.

The IC chip reading / writing unit 82 reads and writes information to the IC chip of the card inserted in the card insertion unit 11.

The determination unit 83 determines whether or not the information recorded on the magnetic stripe of the magnetic IC card inserted in the card insertion unit 11 has been recorded on the IC chip of the magnetic IC card.

In the functional block configuration illustrated in FIG. 4, for example, when the integrated card 130 of (4) above is inserted into the card insertion section 11 in the forward direction and a cash card transaction is performed, the magnetic stripe reading / writing section 81 first. The information recorded on the magnetic stripe 131 is read out. If the reading error of the magnetic stripe 131 does not occur at this time, the determination unit 83 makes the above determination after the cash card transaction processing is executed, and if the determination result is not recorded. , The IC chip reading / writing unit 82 writes the information read from the magnetic stripe 131 by the magnetic stripe reading / writing unit 81 to the IC chip 133, and then the integrated card 130 is returned from the card insertion unit 11.

On the other hand, when the magnetic stripe reading / writing unit 81 reads the information recorded in the magnetic stripe 131 and an error in reading the magnetic stripe 131 occurs, the determination unit 83 makes the above determination and the result of the determination is recorded. In the case of the determination result, the magnetic stripe reading / writing unit 81 writes (overwrites) the recorded information read from the IC chip 133 by the IC chip reading / writing unit 82 to the magnetic stripe 131, and then writes (overwrites) the recorded information. , The integrated card 130 is returned from the card insertion unit 11.

If the magnetic stripe read / write unit 81 reads the information recorded on the magnetic stripe 131 and a read error does not occur, the determination unit 83 makes the above determination, and the determination result that the determination result is not recorded. In the case of, the IC chip reading / writing unit 82 indicates that the information recorded on the magnetic stripe 131 has been recorded on the IC chip 133 together with the information read from the magnetic stripe 131 by the magnetic stripe reading / writing unit 81. (Hereinafter referred to as "recorded flag") may be written to the IC chip 133. In this case, the determination unit 83 determines whether the information recorded on the magnetic stripe 131 has been recorded on the IC chip 133 depending on whether or not the recorded flag has been read from the IC chip 133 by the IC chip read / write unit 82. It may be determined whether or not.

Alternatively, the determination unit 83 determines whether or not the information recorded on the magnetic stripe 131 has been recorded on the IC chip 133, depending on whether or not specific information has been read from the IC chip 133 by the IC chip reading / writing unit 82. May be determined. Here, the specific information is information included in the information recorded on the magnetic stripe 131, and is, for example, the "ID mark", the "bank approval mark", the "bank number", and, for example, illustrated in FIG. 5 described later. This is the value expected as the "validity code". The "ID mark", "bank approval mark", and "bank number" may be treated as the validity code.

It should be noted that such an operation is also performed in the same manner, for example, when the cash card 120 of the above (3) is inserted into the card insertion unit 11 in the forward direction and a cash card transaction is performed.

FIG. 5 is a diagram illustrating a data format of a magnetic stripe of a card inserted into a card insertion portion. This data format is also a data format specified by the specifications set by the Japanese Bankers Association.

As illustrated in FIG. 5, the magnetic stripe has a specification area defined by the specifications and an empty area outside the specification area. The specification area includes "starting code", "ID mark", "bank approval mark", "password", "bank number", "branch number", and "account number in a broad sense". "Account number", "Person / agent classification", "Card serial number", "Course code", "Optional field for each line", "Offline use item", "Spare field", "Validity code" And, the data of each item of "end code" and "BCC" is recorded. The data of each of these items is recorded with a length of a predetermined number of digits (number of digits in hexadecimal notation). The space area outside the specification area is the remaining area of the magnetic stripe, and arbitrary data can be recorded.

In the specification area, the data of the "validity code" can be obtained by, for example, the automatic teller machine 2 executing a transaction process based on the information recorded on the magnetic stripe, or an IC chip (IC chip of a card having the magnetic stripe). ) Is used to determine whether to execute transaction processing based on the information recorded in). For example, when the data of the "validity code" is any value of "0" to "3", it is determined that the transaction processing is executed based on the information recorded on the magnetic stripe. Further, when the data of the "validity code" is any value of "4" to "7", it is determined that the transaction processing is executed based on the information recorded in the IC chip. The "validity code" data, which is any value of "4" to "7", corresponds to the above-mentioned information indicating the presence of an IC chip. On the other hand, when the data of the "validity code" is any value of "8" to "B", these values indicate that the IC chip is present when the card is inserted in the positive direction. Therefore, the automatic teller machine 2 guides the card to be inserted again in the positive direction and returns the card once.

For example, in the case of the integrated card 130 of (4) above, any value of "4" to "7" is used as the "validity code" data of the magnetic stripe 131 in which information including credit card information is recorded. Any value of "8" to "B" is recorded as the data of the "validity code" of the magnetic stripe 132 which is recorded and the information including the cash card information is recorded. Further, for example, in the case of the cash card 120 of the above (3), any value of "4" to "7" is used as the data of the "validity code" of the magnetic stripe 121 in which the information including the cash card information is recorded. Is recorded.

In the specification area, the data of "bank approval mark" and "bank number" is, for example, the information recorded on the magnetic stripe is information including the bank's cash card information, or the credit card information of the affiliated credit card company. It is used when the automatic teller machine 2 determines whether the information is included. For example, if the data of the "bank approval mark" is "a" and the data of the "bank number" is the financial institution number of the bank, the information recorded on the magnetic stripe is the information including the cash card information of the bank. Judge that there is. If the data of the "bank approval mark" is the affiliated credit card business type code and the data of the "bank number" is the affiliated credit card company code, the information recorded on the magnetic stripe is the credit card of the affiliated credit card company. It is determined that the information includes information.

FIG. 6 is a diagram illustrating a data structure of a memory included in an IC chip of a card inserted into a card insertion portion. Here, the memory included in the IC chip 133 of the integrated card 130 described in (4) above will be described as an example, but the memory included in the IC chip 122 included in the cash card 120 described in (3) above is basically the same. It has a data structure.

As illustrated in FIG. 6, the IC chip 133 of the integrated card 130 includes a memory 200. The memory 200 includes an OS recording area 201, a JBA APL recording area 202, and other recording areas 203.

The OS recording area 201 is an area for recording an OS program executed on the IC chip 133.

The JBA APL recording area 202 includes a program recording area 204 and a data recording area 205.

The program recording area 204 is an area for recording the program of the JBA application (Japanese Bankers Association application) executed on the IC chip 133.

The data recording area 205 includes a cash card information recording area 206, a cardholder-related information recording area 207, a transfer card information recording area 208, and an arbitrary information recording area 209.

The cash card information recording area 206 is an area for recording a bank number, a branch number, a subject, an account number, and the like. The cardholder-related information recording area 207 is an area for recording information (e-mail address, etc.) related to the cardholder. The transfer card information recording area 208 is an area for recording transfer card information (information such as a requester and a recipient). The optional information recording area 209 is an area for recording arbitrary information of the bank. The format (data format) of the information recorded in each of these recording areas is specified by the specifications set by the Japanese Bankers Association.

In the present embodiment, of the four recording areas included in the data recording area 205, an empty area (unused area) in the transfer card information recording area 208 is set as an area in which the information recorded on the magnetic stripe 131 is recorded. use. In this case, in the empty area in the transfer card information recording area 208, the information of the specification area illustrated in FIG. 5 is recorded as the information recorded on the magnetic stripe 131, and the recorded flag is further recorded on the leading side thereof. Will be done. The recorded flag is recorded as data having a length of one digit (one digit in hexadecimal notation). The information of the magnetic stripe 131 and the recorded flag are written by the card processing unit 60 as described in detail later. The transfer card information specified by the specifications is recorded in the transfer card information specification area in the transfer card information recording area 208.

As described above, in the present embodiment, the empty area in the transfer card information recording area 208 is used as the area where the information recorded on the magnetic stripe 131 is recorded, but another recording area (cash card information recording area 206) is used. , Cardholder-related information recording area 207, or an empty area in the optional information recording area 209) may be used.

The other recording area 203 is an area for recording programs and data of other applications. Here, the other application is, for example, a biometric authentication application or a credit card business application executed on the IC chip 133.

Next, the ATM transaction processing executed in the automatic teller machine 2 will be described.
7 and 8 are flowcharts illustrating a flow of ATM transaction processing executed in the automatic teller machine according to the embodiment. 9 and 10 are diagrams illustrating a card return screen displayed on the customer display input unit.

In the automatic teller machine 2, when the power is turned on, the initialization process and the like are performed and the ATM transaction process can be executed, the main control unit 21 causes the customer display input unit 14 to display the transaction selection screen. .. Various transaction buttons (also called transaction keys) such as "withdrawal", "deposit", and "transfer" are displayed on the transaction selection screen, and the customer desires by pressing the desired transaction button. You can start trading.

Here, if the customer presses the desired transaction button, the main control unit 21 displays the card insertion screen on the customer display input unit 14 and prompts the customer to insert the card into the card insertion unit 11.

Here, assuming that the customer inserts the integrated card 130 of (4) in the card insertion section 11 in the forward direction, the automatic teller machine 2 starts the ATM transaction processing illustrated in FIGS. 7 and 8. In addition, in FIG. 7 and FIG. 8, the magnetic stripe is described as "MS (Magnetic Stripe)".

First, in S701 of FIG. 7, the card processing unit 60 reads (reads) the information recorded on the magnetic stripe 131 of the inserted integrated card 130.

In S702, the main control unit 21 determines whether or not a reading error of the magnetic stripe has occurred as a result of reading in S701.

If the determination result of S702 is NO, the process shifts to S801 of FIG.
In S801, the main control unit 21 executes the transaction processing according to the transaction button pressed on the above-mentioned transaction selection screen. Since this transaction process is a known process, the description thereof will be omitted.

In S802, the main control unit 21 determines whether or not the information recorded on the magnetic stripe 131 of the integrated card 130 inserted has been recorded on the IC chip 133 of the integrated card 130. In this example, when the card processing unit 60 can read the recorded flag from the transfer card information recording area 208 of the IC chip 133, the main control unit 21 determines that the recording has been completed (S802 is YES), and it is not. In this case, it is assumed that the main control unit 21 determines that the recording has not been completed (S802 is NO).

If the determination result of S802 is YES, in S803, the main control unit 21 returns the inserted integrated card 130 from the card insertion unit 11 and ends the ATM transaction processing.

On the other hand, when the determination result of S802 is NO, in S804, the card processing unit 60 reads the information (information recorded in the specification area) recorded on the magnetic stripe 131 of the integrated card 130 inserted, and the card processing unit 60 reads the information. As illustrated in FIG. 6, the recorded flag together with the information is written in the empty area in the transfer card information recording area 208 of the IC chip 133 of the integrated card 130.

In S805, the main control unit 21 determines whether or not the writing in S804 is normally performed.

If the determination result in S805 is YES, in S806, the main control unit 21 returns the inserted integrated card 130 from the card insertion unit 11 and ends the ATM transaction processing.

On the other hand, when the determination result of S805 is NO, in S807, the main control unit 21 displays the card return screen illustrated in FIG. 9 on the customer display input unit 14, and inserts the integrated card 130 into a card. It is returned from the insertion unit 11 and the ATM transaction processing is completed. On the card return screen illustrated in FIG. 9, a message indicating that the magnetic stripe (card magnetism) is broken and a message guiding and guiding the customer to the financial institution window for card repair are displayed along with the card return message. Will be done.

On the other hand, when the determination result of S702 in FIG. 7 is YES, in S703, the main control unit 21 receives information recorded on the magnetic stripe 131 of the integrated card 130 inserted, as in S802 of FIG. It is determined whether or not the card has been recorded on the IC chip 133 of the integrated card 130.

When the determination result of S703 is NO, in S704, the main control unit 21 displays a card return screen (not shown) on the customer display input unit 14, and returns the inserted integrated card 130 from the card insertion unit 11. Then, the ATM transaction processing is terminated. On the card return screen displayed in S704, along with the card return message, a message indicating that the card cannot be read, a message for guiding and guiding the customer to the financial institution window, and the like are displayed.

On the other hand, when the determination result of S703 is YES, in S705, the card processing unit 60 inputs the recorded magnetic stripe information from the transfer card information recording area 208 of the IC chip 133 of the inserted integrated card 130. It is read and the information is written (overwritten) on the magnetic stripe 131 of the integrated card 130. This restores the magnetic stripe information. Subsequently, S706 is executed.

In S706, the main control unit 21 displays the card return screen illustrated in FIG. 10 on the customer display input unit 14, returns the inserted integrated card 130 from the card insertion unit 11, and performs ATM transaction processing. finish. On the card return screen illustrated in FIG. 10, along with the card return message, a message indicating that the magnetic stripe (card magnetism) has been repaired and a message urging the customer to re-trade are displayed. The contents of the card return screen illustrated in FIG. 10 may be printed on the receipt by the receipt issuing processing unit 70 and ejected from the card insertion unit 11 together with the integrated card 130 to be returned.

According to such an ATM transaction process, the information recorded on the magnetic stripe 131 is written to the IC chip 133 at the first timing when the information on the magnetic stripe 131 of the integrated card 130 is normally read. Then, when an error of reading information from the magnetic stripe 131 occurs thereafter, the information of the magnetic stripe 131 recorded on the IC chip 133 is written to the magnetic stripe 131, and the magnetic stripe 131 is repaired (recorded on the magnetic stripe). (Repair of the information provided) is performed. Therefore, even if a read error of the magnetic stripe 131 occurs, the customer can make a transaction.

In the above-mentioned ATM transaction processing, the case where the integrated card 130 is inserted into the card insertion section 11 has been described as an example, but the case where the cash card 120 of the above (3) is inserted into the card insertion section 11 is also described. , The processing is performed in the same manner.

As described above, according to the present embodiment, when a transaction is performed using a magnetic IC card such as an integrated card 130 or a cash card 120, the transaction can be performed even if a magnetic stripe read error occurs. It will be possible. Further, since communication with the host computer or the like is not required to realize such a mechanism, the mechanism can be realized without modification of the external device.

In the ATM transaction processing illustrated in FIGS. 7 and 8, in the determination of S703 and S802, when the card processing unit 60 can read the above-mentioned specific information from the transfer card information recording area 208 of the IC chip 133, The main control unit 21 may determine that the information has been recorded (determination result is YES), and if not, the main control unit 21 may determine that the information has not been recorded (determination result is NO). In this case, it is not necessary to write or read the recorded flag to the IC chip 133 (transfer card information recording area 208).

Further, the process may return to S701 after S705 in FIG. 7. This allows the customer to continue trading without having to insert or remove the card.

Although the embodiments of the present invention have been described above, the present invention is not limited to the above-described embodiments, and various improvements and changes can be made without departing from the gist of the present invention.

1 Automatic trading system 2 Automatic trading device 3 Host computer 4 Network 10 Bankbook insertion unit 11 Card insertion unit 12 Coin deposit / withdrawal unit 13 Bill deposit / withdrawal unit 14 Customer display input unit 20 ATM control unit 21 Main control unit 22 Memory 23 Hard disk 24 Host communication control unit 25 Customer screen display unit 26 Customer key input unit 27 Staff screen display unit 28 Staff key input unit 29 IO control unit 30 Bill processing unit 40 Coin processing unit 50 Bankbook processing unit 60 Card processing unit 70 Receipt Issuing processing unit 81 Magnetic stripe read / write unit 82 IC chip read / write unit 83 Judgment unit 100 Card, cash card 101 Magnetic stripe 102 Arrow 110 Card, Credit card 111 Magnetic stripe 112 Arrow 120 Card, Cash card 121 Magnetic stripe 122 IC chip 123 Arrow 130 Card, integrated card 131, 132 Magnetic stripe 133 IC chip 134, 135 Arrow 200 Memory 201 OS recording area 202 Zenginkyo APL recording area 203 Other recording area 204 Program recording area 205 Data recording area 206 Cash card information recording area 207 Card holder Related information recording area 208 Transfer card information recording area 209 Arbitrary information recording area

Claims (6)

An automated teller machine that executes transaction processing using a card with a magnetic stripe and an IC chip.
A magnetic stripe read / write unit that reads and writes information to the magnetic stripe,
An IC chip read / write unit that reads and writes information to the IC chip,
A determination unit that determines whether or not the information recorded on the magnetic stripe has been recorded on the IC chip, and
With
When the magnetic stripe reading / writing unit reads the information recorded on the magnetic stripe and a reading error does not occur, the determination unit makes the determination, and the determination result is that the recording has not been completed. Writes the information read from the magnetic stripe by the magnetic stripe reading / writing unit to the IC chip.
An automated teller machine that features. When the magnetic stripe reading / writing unit reads the information recorded on the magnetic stripe and a reading error occurs, the determination unit makes the determination, and the result of the determination has been recorded. In the case, the magnetic stripe reading / writing unit writes the recorded information read from the IC chip by the IC chip reading / writing unit to the magnetic stripe.
The automated teller machine according to claim 1. When the magnetic stripe reading / writing unit reads the information recorded on the magnetic stripe and a reading error does not occur, the determination unit makes the determination, and the determination result is that the recording has not been completed. Is a flag indicating that the IC chip reading / writing unit has recorded the information recorded on the magnetic stripe on the IC chip together with the information read from the magnetic stripe by the magnetic stripe reading / writing unit. Write to the IC chip,
The determination unit determines whether or not the information recorded on the magnetic stripe has been recorded on the IC chip according to whether or not the flag has been read from the IC chip by the IC chip reading / writing unit. To do,
The automated teller machine according to claim 1 or 2. The determination unit determines whether or not the information recorded on the magnetic stripe has been recorded on the IC chip according to whether or not specific information has been read from the IC chip by the IC chip reading / writing unit. To do,
The automated teller machine according to claim 1 or 2. A magnetic stripe repair method performed in an automated teller machine that executes transaction processing using a card having a magnetic stripe and an IC chip.
When the information recorded on the magnetic stripe is read and a read error does not occur, it is determined whether or not the information recorded on the magnetic stripe has been recorded on the IC chip.
If the result of the determination is that it has not been recorded, the information read from the magnetic stripe is written to the IC chip.
When the information recorded on the magnetic stripe is read and a read error occurs, it is determined whether or not the information recorded on the magnetic stripe has been recorded on the IC chip.
If the result of the determination is a determination result that has been recorded, the recorded information read from the IC chip is written to the magnetic stripe.
A magnetic stripe restoration method characterized by that. To the computer of an automated teller machine that executes transaction processing using a card with a magnetic stripe and an IC chip
When the information recorded on the magnetic stripe is read and a read error does not occur, it is determined whether or not the information recorded on the magnetic stripe has been recorded on the IC chip.
If the result of the determination is that it has not been recorded, the information read from the magnetic stripe is written to the IC chip.
When the information recorded on the magnetic stripe is read and a read error occurs, it is determined whether or not the information recorded on the magnetic stripe has been recorded on the IC chip.
If the result of the determination is a determination result that has been recorded, the recorded information read from the IC chip is written to the magnetic stripe.
A magnetic stripe repair program characterized by executing the process.