JP7227064B2 - Card handling device, card handling method and magnetic IC composite card - Google Patents

Description

The present invention relates to a card handling device, a card handling method, and a magnetic IC composite card.

When a cash transaction is performed using a magnetic card in an automatic teller machine (ATM), a user inserts the magnetic card into an insertion slot according to an operation guidance display, and checks a personal identification number entered from a keyboard or touch panel. After confirming the identity of the person, transactions such as depositing, withdrawing, and transferring cash are performed.

A commonly used magnetic card has a magnetic stripe on its surface, on which information for financial institutions is written. Also, if the financial institution has a tie-up with a credit company, credit information is written on the magnetic stripe on the back of the magnetic card.

Moreover, recently, a magnetic IC composite card having an IC chip in addition to the magnetic stripe is on the market. When a magnetic IC composite card is used in an automated teller machine, the magnetic stripe is first read, and if the card is found to have an IC chip, the IC chip with higher security is used to process the transaction. etc.

Conventionally, the magnetic stripe on the front surface was one type with a low coercive force of 52 kA/m (650 Oe). (2750 Oe) cards are beginning to circulate.

Under these circumstances, magnetic IC composite cards having different coercive forces are used together in automated teller machines. In such a case, there is no effect when reading information from the magnetic stripe in an automatic transaction machine, but when writing information on the magnetic stripe, it is necessary to write with a magnetic field intensity suitable for each coercive force. Here, the strength of the magnetic field is proportional to and correlated with the write current. Since it is difficult to handle even if the strength of the magnetic field is discussed, the write current, which is easy to handle, will be described below.

Therefore, when writing to a high coercivity stripe with a write current for low coercivity, the current is too weak to overwrite the information on the magnetic stripe, or the information is overwritten halfway. destroy it.

Also, if writing is performed on a low-coercive-force stripe with a write current for a high-coercive-force stripe, the current may be too strong and a pseudo peak may occur, resulting in abnormal write information. be. Regarding magnetic information writing, the same problem exists that not only the front side but also the back side magnetic stripe has different coercive forces.

In order to solve this problem, we added a device that can measure the coercive force. There is a method of writing information with an optimum write current after judging whether the coercive force is high.

In addition, the magnetic card once taken into the automatic transaction machine is written with a current for low coercive force, the written information is checked, and if the information has not been rewritten, it is written again with a current for high coercive force multiple times. There is a way to write

Further, in Patent Document 1, coercive force information related to the magnetic coercive force of the magnetic medium is read in advance in a predetermined area of the magnetic medium, the main control unit determines the read coercive force information, and reads/writes the magnetic medium. The unit writes information to the magnetic medium with a predetermined current according to the result determined by the main control unit.

Further, in Patent Document 2, a method for reading coercive force information of a magnetic material from a bar code inside a passbook is devised in order to determine the coercive force of the magnetic medium of the passbook.

Moreover, in the case of a magnetic IC composite card, if the magnetism cannot be read correctly, there is a method of skipping the magnetism processing and proceeding to the IC processing.

JP-A-2006-11582 JP 2013-242829 A

When a magnetic IC composite card whose magnetic stripe cannot be read correctly due to degaussing is used in an automatic transaction machine equipped with a magnetic IC card handling device capable of magnetic writing, if the magnetic information is rewritten, the magnetic information on the card will be read again. becomes possible. However, in order to write magnetic information, it is necessary to know the coercive force of the magnetic stripe to be written in advance.

As described above, in the method of adding the function of measuring the coercive force of the magnetic stripe of the magnetic card to the automated teller machine, an expensive magnetic measuring device must be installed.

In addition, in the case of a method of writing magnetic information multiple times, writing and confirmation are performed multiple times, so it takes time, and the cash transaction processing time is lengthened. Moreover, there arises a problem that the life of the magnetic head is shortened.

Moreover, the method of Patent Document 1 requires that the magnetic stripe can be read correctly. In the case of degaussed magnetic stripe information, the method of US Pat.

In addition, since the design of the card issuer usually takes precedence over the surface of the card, there is a problem that a mark indicating coercive force such as the bar code inside the passbook of Patent Document 2 cannot be displayed. Moreover, even if the mark can be displayed, a device for reading the mark must be installed.

Also, the method of skipping magnetic processing and shifting to IC processing is effective because it is possible to process with an automatic transaction device at that time, but at a later date, another automatic transaction device that only supports magnetic processing There is a problem that the trading device cannot be used.

SUMMARY OF THE INVENTION It is an object of the present invention to write information using a current suitable for different coercive forces with an inexpensive structure in an automated teller machine in which magnetic cards with different coercive forces are mixedly handled.

A card handling device according to one aspect of the present invention is a card handling device for handling a card having a magnetic stripe and an IC chip, comprising: a magnetic reading/writing unit for reading and writing the magnetic stripe; and a reading and writing unit for the IC chip. and a control unit for controlling the magnetic read/write unit and the IC read/write unit, wherein the IC read/write unit controls the magnetic read/write unit written in advance in a predetermined area of the storage area of the IC chip. Coercive force information about the magnetic coercive force of the stripe is read, the control unit determines the read coercive force information, and the magnetic read/write unit determines a coercive force value according to the determination result determined by the control unit. It is characterized in that predetermined information is written in the magnetic stripe by a write current.

A magnetic IC composite card of one aspect of the present invention is a magnetic IC composite card comprising a magnetic stripe and an IC chip, wherein the IC chip has a storage area, and a predetermined area of the storage area contains the magnetic It is characterized by writing coercive force information about the magnetic coercive force of the stripe.

A card handling method according to one aspect of the present invention is a card handling method for handling a card having a magnetic stripe and an IC chip, wherein the magnetic stripe is written in advance in a predetermined area of the storage area of the IC chip. a coercive force information reading step of reading coercive force information relating to magnetic force; a coercive force information determining step of determining the coercive force information read in the coercive force information reading step; and a determination result determined in the coercive force information determining step. and an information writing step of writing predetermined information to the magnetic stripe with a write current for coercive force corresponding to .

ADVANTAGE OF THE INVENTION According to one aspect of the present invention, it is possible to write magnetic information with a current suitable for different coercive forces with an inexpensive configuration in an automatic transaction machine in which magnetic IC composite cards with different coercive forces are handled together.

It is a figure which shows the structure of an automatic transaction apparatus and a magnetic IC card handling apparatus. It is a figure which shows the structure of a magnetic IC card handling apparatus. It is a figure which shows the front surface of a magnetic IC composite card. FIG. 2 shows the back side of a magnetic card with a magnetic stripe on the back side. FIG. 10 is a flow chart for explaining the operation of a transaction based on magnetic information using a general magnetic card; FIG. FIG. 10 is a flow chart for explaining the operation of a transaction based on magnetic information using a magnetic IC composite card having a general magnetic stripe and IC; FIG. 5 is a flow chart showing an operation of reading and writing coercive force information from the IC of the embodiment; 4 is a flow chart showing the write operation of the card of the embodiment; 4 is a flow chart showing the write operation of another card of the embodiment;

An embodiment will be described below with reference to the drawings.

The card handling device 100 has a control section 110 , a host interface 120 connected to the control section 110 , a memory 130 , a card conveying section 140 , a card position sensor 150 , a magnetic read/write section 160 and an IC read/write section 170 . The control unit 110 has a magnetic control unit 111 that controls the magnetic read/write unit 160 and an IC control unit 112 that controls the IC read/write unit 170 . Card handling device 100 is built in automatic transaction device 1000 .

As shown in FIG. 2, the card 200 is transported in the card taking-in direction (the direction of the arrow in FIG. 2) via a plurality of rollers 230. As shown in FIG. The card 200 passes through the magnetic reading/writing section 160 and the IC reading/writing section 170 while being detected by a plurality of sensors 220 during transportation.

The magnetic read/write unit 160 reads and writes magnetic information written in the card 200 inserted through the card inlet/outlet 210 . The card 200 on which magnetic information has been read and written is ejected to the card entrance/exit 210 .

Next, referring to FIG. 3, the configuration of the information on the magnetic stripe of the card and the information on the IC chip (IC) will be described.
A card 300 is a magnetic IC composite card having a magnetic stripe 301 and an IC 302 on its front surface.

Information on the magnetic stripe 301 consists of a timing signal 3011, a start code 3012, data 3013, an end code 3014, a horizontal redundancy check character 3015 (hereafter referred to as LRC), and a timing signal 3016 in order of reading.

The data 3013 contains information about the financial institution, such as the user's account number. Coercive force information 3021 is stored in an IC storage area 3022 of the IC 302 . The coercive force information 3021 stores coercive force information for determining whether the magnetic stripe 301 has a low coercive force or a high coercive force. For example, if the coercive force information 3021 is "0", it indicates low coercive force. If the coercive force information 3021 is "1", it indicates high coercive force. When the IC read/write unit 170 reads the coercive force information 3021 in the IC storage area 3022 of the card, the IC control unit 112 determines whether the card 300 taken in has a low coercive force or a high coercive force.

As described above, the IC 302 has a memory area 3022 , and coercive force information 3022 regarding the magnetic coercive force of the magnetic stripe 301 is written in a predetermined area of the memory area 3022 . Information to be written to the magnetic stripe 301 is written in a region other than the predetermined region of the storage region 3022 .

The configuration of a card 400 having a magnetic stripe 401 on its back surface will be described with reference to FIG. The card 400 is of a type in which a magnetic stripe 401 is also present on the back side. If the financial institution is affiliated with a credit company, credit information is written on the magnetic stripe 401 on the back of the card 400 .

According to the embodiment, since the coercive force information 3021 is stored in the IC storage area 3022 of the IC 302, even if the magnetic information of the magnetic stripe 301 cannot be correctly read as in the case of the demagnetized magnetic stripe, the magnetic information can be captured. It can be determined whether the received card 300 has a low coercive force or a high coercive force.

5 and 6, a problem when the magnetic information of the magnetic stripe 301 cannot be read correctly, for example, as in the case of the demagnetized magnetic stripe 301, will be described.

The operation of a transaction based on magnetic information using a general magnetic card will be described with reference to the flow chart of FIG.
First, the user inserts the magnetic card into the magnetic card entrance/exit to start the card transaction (S501).

Next, when the magnetic card is loaded (S502), the magnetic information written in the magnetic card is read (S503).

Next, it is determined whether reading of the magnetic information is OK (S504). If reading is OK, personal authentication is performed (S505). For example, the user is prompted to enter a password from the operation panel.

If the entered personal identification number is correct, processing such as deposit, withdrawal, and transfer is performed (S506).

It is determined whether the reading of the magnetic information is OK (S504). If the reading is not OK, a reading error occurs (S509) and the transaction is stopped (S510).

Next, predetermined magnetic information is written in the magnetic card (S507), the card is returned (S508), and the card transaction is completed (S511).

As described above, in a transaction based on magnetic information using a general magnetic card, if reading is not OK in S504, a reading error occurs (S509) and the transaction is aborted (S510). Then, while the transaction is suspended, predetermined magnetic information is written in the magnetic card (S507). For example, if the magnetic information on the magnetic stripe cannot be read correctly, as in the case of a degaussed magnetic stripe, it is necessary to temporarily suspend the transaction and write predetermined magnetic information to the magnetic card.

The operation of a transaction based on magnetic information using a general magnetic IC composite card having a magnetic stripe and an IC will be described with reference to the flow chart of FIG.
First, the user inserts the card into the card inlet/outlet to start the card transaction (S601).

Next, when the card is loaded (S602), the magnetic information written on the magnetic stripe of the card is read (S603).

Next, it is determined whether reading of the magnetic information is OK (S604). If reading is OK, it is determined whether it is an IC card (S605).

If it is an IC card, the IC information stored in the IC is read (S606), and personal authentication is performed (S607). For example, the user is prompted to enter a password from the operation panel.

If the entered personal identification number is correct, processing such as deposit, withdrawal, and transfer is performed (S608).

It is determined whether or not the reading of the magnetic information is OK (S604). If the reading is not OK, a reading error occurs (S611) and the transaction is stopped (S612).

Next, predetermined magnetic information is written in the magnetic stripe of the card (S609), the card is returned (S610), and the card transaction is completed (S613).

As described above, in transactions based on magnetic information using a general magnetic IC composite card, if reading is not OK in S604, a reading error occurs (S611) and the transaction is aborted (S612). Then, while the transaction is suspended, it is necessary to write predetermined magnetic information to the magnetic stripe of the magnetic IC composite card (S609). For example, if the magnetic information on the magnetic stripe cannot be read correctly, as in the case of a degaussed magnetic stripe, it is necessary to temporarily suspend the transaction and write the predetermined magnetic information to the magnetic IC composite card.

Next, a transaction operation for reading and writing coercive force information from the IC of the embodiment will be described with reference to the flow chart of FIG.
First, the user inserts the card 300 (see FIG. 3) into the card slot 210 (see FIG. 2) to start a card transaction (S701).

Next, when the card 300 is loaded (S702), the magnetic information written on the magnetic stripe 301 of the card is read by the magnetic read/write section 160 (S703).

Next, it is determined whether or not reading is OK (S704). As a result of determination, if reading is OK, IC information is read (S705).

It is determined whether or not the reading of the magnetic information is OK (S704), and if the reading is not OK, a read error occurs (S710), but the IC information is read (S705).

After reading the IC information stored in the IC (S705), personal authentication is performed based on the IC information (S706). For example, the user is prompted to enter a password from the operation panel.

If the entered personal identification number is correct, processing such as deposit, withdrawal, and transfer is performed (S707).

Next, predetermined magnetic information is written on the magnetic stripe 301 of the card 300 (S708), the card 300 is returned (S709), and the card transaction is completed (S711).

Here, for example, the magnetic read/write unit 160 writes information written in the storage area 3022 of the IC 302 as predetermined magnetic information to be written in the magnetic stripe 301 . Alternatively, the magnetic read/write unit 160 may write information obtained from a host device (automatic teller machine 1000) as predetermined magnetic information to be written to the magnetic stripe 301. FIG.

As described above, in a transaction in which coercive force information is read and written from the IC of the embodiment, even if the magnetic information on the magnetic stripe cannot be read correctly as in the case of the demagnetized magnetic stripe, the transaction is not stopped. , it is possible to write predetermined magnetic information in the magnetic IC composite card.

Next, the magnetic writing operation (S800) of the magnetic IC composite card provided with the magnetic stripe and IC of the embodiment will be described with reference to the flowchart of FIG.

First, the coercive force information 3021 read from the IC 302 is set in the control section 110 (S801).

Next, the coercive force is determined based on the coercive force information 3021 (S802). As a result of the determination, if the coercive force is high, the high coercive force current, which is the write current for high coercive force, is set (S803). As a result of the determination, if the coercive force is low, the low coercive force current, which is the write current for low coercive force, is set (S804).

Next, predetermined magnetic information is written to the magnetic stripe 301 of the card 300 using the current values set in S803 and S804 (S805). Thereafter, the process returns to the card return operation (S709 in FIG. 7) (S806).

Next, another magnetic writing operation (S900) of the magnetic IC composite card provided with the magnetic stripe and IC of the embodiment will be described with reference to the flowchart of FIG.
First, the coercive force information 3021 read from the IC 302 is set in the control section 110 (S901).

Next, based on the coercive force information 3021, a coercive force current, which is a write current for a predetermined coercive force, is set (S902).

Next, predetermined magnetic information is written to the magnetic stripe 301 of the card at the set current value (S903). Thereafter, the process returns to the card returning operation (S709 in FIG. 7) (S904).

Note that the control unit 110 determines whether the card has a magnetic stripe that is not covered based on the coercive force information 3021, and the magnetic read/write unit 160 determines that the card has a magnetic stripe that is not covered by the control unit 110. In some cases, the predetermined information may not be written on the magnetic stripe 301 .

In the above-described embodiment, in an automatic transaction machine in which magnetic cards with different coercive forces are mixedly handled, information is written with a current suitable for the coercive force according to the coercive force information pre-written in the IC. As a result, information can be written with a relatively inexpensive configuration without adding a new device such as a magnetic measuring device.

Further, even in a demagnetized magnetic card whose magnetic stripe cannot be read at all, magnetic information can be written with a predetermined current value suitable for the coercive force of the magnetic material of the magnetic stripe.

Moreover, magnetic writing is not performed with an erroneous current value, and destruction of magnetic information can be prevented. Since it is not necessary to write any information about the coercive force on the surface of the card, the card can be designed freely.

In addition, in a magnetic IC composite card where the magnetic stripe cannot be read due to degaussing, skipping the magnetic processing and shifting to IC processing, it can be used again by writing the magnetic stripe with an appropriate current value. can be played back. As a result, it can be used again with other automatic transaction machines that only support magnetic processing.

Here, as shown in Table 1, there are two types of card handling devices for magnetic cards on the market, and the corresponding types of magnetic cards are as follows. At present, proper writing can only be performed in a situation where the coercive force of the magnetic card is not mixed.

[Table 1]

By using the method of the embodiment in a magnetic IC composite card, in the case of a type A card processing device, writing to a card with low coercive force is possible. It is also possible to avoid writing to cards with high coercive force. In the case of the type B card processor, low coercivity cards can be written with a current value for low coercivity, and high coercivity cards can be written with a current value for high coercivity.

1000 automatic transaction device 100 card handling device 110 control unit 111 magnetic control unit 112 IC control unit 120 host interface 130 memory 140 card conveying unit 150 card position sensor 160 magnetic read/write unit 170 IC read/write unit 200 card 301 magnetic stripe 302 IC
3022 IC storage area 3021 Coercive force information 400 Card with magnetic stripe on the back 401 Magnetic stripe

Claims (8)

A card handling device for handling cards having a magnetic stripe and an IC chip,
a magnetic read/write unit for reading and writing the magnetic stripe;
an IC read/write unit that reads and writes the IC chip;
a control unit that controls the magnetic read/write unit and the IC read/write unit;
The IC read/write unit
reading coercive force information relating to the magnetic coercive force of the magnetic stripe pre-written in a predetermined area of the storage area of the IC chip;
The control unit
determining the read coercive force information;
The magnetic read/write unit
A card handling device, wherein predetermined information is written in the magnetic stripe with a write current for coercive force according to the determination result determined by the control unit. The IC read/write unit
reading first coercive force information about a first magnetic coercive force and second coercive force information about a second magnetic coercive force lower than the first magnetic coercive force as the coercive force information;
The control unit
determining whether the read coercive force information is the first coercive force information or the second coercive force information;
The magnetic read/write unit
if the result determined by the control unit is the first coercive force information, writing the predetermined information to the magnetic stripe with a write current for the first coercive force ;
When the result determined by the control unit is the second coercive force information, the predetermined information is written to the magnetic stripe at a second coercive force current lower than the write current for the first coercive force. 2. A card handling device according to claim 1, characterized in that it writes. The control unit
Based on the read coercive force information, determine whether the card is a card comprising the magnetic stripe with a non-target coercive force;
The magnetic read/write unit
3. The card according to claim 1, wherein the predetermined information is not written in the magnetic stripe when the control unit determines that the card has the magnetic stripe with a coercive force that is out of target. handling equipment. The magnetic read/write unit
3. The card handling apparatus according to claim 1, wherein information written in a storage area of said IC chip is written as said predetermined information to be written in said magnetic stripe. The magnetic read/write unit
3. The card handling device according to claim 1, wherein information obtained from a host device is written as said predetermined information to be written in said magnetic stripe. An automatic transaction machine equipped with the card handling device according to any one of claims 1 to 5. A card handling method for handling a card with a magnetic stripe and an IC chip,
a coercive force information reading step of reading coercive force information relating to the magnetic coercive force of the magnetic stripe pre-written in a predetermined area of the storage area of the IC chip;
a coercive force information determination step for determining the coercive force information read in the coercive force information reading step;
an information writing step of writing predetermined information to the magnetic stripe with a write current for coercive force according to the determination result determined in the coercive force information determining step;
A card handling method characterized by having In the coercive force information reading step,
As the coercive force information on the magnetic coercive force of the magnetic stripe, first coercive force information on a first magnetic coercive force and second coercive force information on a second magnetic coercive force lower than the first magnetic coercive force. read the magnetic force information,
In the coercive force information determination step,
determining whether the read coercive force information is the first coercive force information or the second coercive force information;
In the information writing step,
if the determination result determined in the coercive force information determining step is the first coercive force information, writing the predetermined information to the magnetic stripe with a write current for the first coercive force ;
When the determination result determined in the coercive force information determining step is the second coercive force information, the magnetic flux density is reduced by the second coercive force write current lower than the first coercive force write current. 8. The card handling method according to claim 7 , wherein said predetermined information is written in a stripe.

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